The intersection of sovereign debt and climate change has redefined financial justice. Developing countries, least responsible for emissions yet most affected by climate disasters, face debt crises that erode resilience. Climate-resilient debt clauses offer a legal innovation automatically suspending payments after disasters, aligning contractual fairness with climate equity. This paper examines their evolution, legal structure, and policy implications for countries like Pakistan. It argues that embedding climate risk into debt contracts transforms international finance from reactive relief to proactive justice, bridging environmental ethics and fiscal law.