One owing money includes a prayer for his adversary (4,9)

I believe the answer is:

debt collector

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'his adversary' is the definition.
I don't know anything about this answer so I cannot judge whether it can be defined by this definition.

'one owing money includes a prayer' is the wordplay.
'one owing money' becomes 'debtor' (I've seen this before).
'includes' means one lot of letters goes inside another.
'a prayer' becomes 'collect' (collect is a type of prayer).
'debtor' placed around 'collect' is 'DEBT-COLLECTOR'.

'for' is the link.

Can you help me to learn more?

(Another definition for debt collector that I've seen is " Moneylender's agent".)

I've seen this clue in The Irish Independent.

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