Can praying upon the Prophet (peace be upon him) be a reason for settling debts, receiving gifts, and seeing the Prophet (peace be upon him) in a dream, as happened with the man whose debt was settled and who was blessed with abundant wealth through the blessings of praying upon the Prophet (peace be upon him)?

The question is incomplete, but it appears the questioner is asking about the authenticity of a specific story. We have not found this story mentioned in any available books, and it is circulated on some websites without a source. Such a story should not be relied upon to establish the virtue of sending blessings upon the Prophet (peace and blessings be upon him), as the verses, hadiths, and narrations from the Salaf have already clarified its virtue sufficiently and adequately.