Well there are several solutions for you. You can listen to luck or prosperity and abundance binaural beats or subliminals on youtube to tap into those respective frequencies some that I reccomend would be the 4 Leaf Clover Luck Subliminal from Royal Subliminals, and the Wealth and Prosperity Subliminals from the youtube channels Sapien Med and Hypnodaddy respectively. If you check the comments on those youtube videos they have good results so I'm positive you could manifest some results over a period of time if you consistently listen to those audios+doing some intention setting and visualization of you reaching your finanincial goals. 

On the taking action part I would budget the amount of money you have and the amount of debt that needs to be paid off and then you might have to work overtime or work a second job and stash as much cash as you can to fully pay off the debt try to see if the people you owe money too will work with you on a payment plan or let you pay in installments when you can afford it as long as you fully pay it off after a certain amount of time.