We understand that you are facing a significant financial burden and harassment from various banks and individuals. First, we want to assure you that God cares about your situation, and He is more than able to intervene and provide a solution.
Let's remember to pray according to God's will, drawing closer to Him and seeking in faith. God's word says to let your requests be made known to God; and the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus. For God Your Father knows the things you have need of before you ask Him but you must still pray. Your Father who is in heaven, will give good things to those who ask Him! Therefore, do not be anxious, saying, 'What shall we eat?' or 'What shall we drink?' or 'With what shall we be clothed?' For the Gentiles seek after all these things, for your heavenly Father knows that you need all these things. But seek ye first his kingdom, and his righteousness, and all these things shall be added unto you. Therefore, do not be anxious for tomorrow, for tomorrow will be anxious for itself. Each day has enough trouble of its own. Take therefore no thought for the morrow: for the morrow shall take thought for the things of itself. Sufficient unto the day is the evil thereof.
As we approach God praying in Jesus' name, we must pray believing His word and stand on His promises. It is only by the name of Jesus that we are given the right to be children of God. For you did not receive the spirit of bondage again to fear, but you received the Spirit of adoption, by whom we cry, "Abba! Father!" The Spirit himself testifies with our spirit that we are children of God; and if children, then heirs; heirs of God, and joint heirs with Christ; if so be that we suffer with him, that we may be also glorified together.
Regarding your debt, it is important to remember that God wants us to be faithful in managing our finances and to fulfill our obligations. According to biblical principles, owing and not paying is the same as stealing and a debtor is a slave to the lender. The wicked borrow, and do not pay back, but the righteous give generously. The rich rule over the poor, and the borrower is servant to the lender. Better is he who is lightly esteemed, and lacks a servant, than he who has honor, and is without food. For the oppression of the poor, for the sighing of the needy, now will I arise, says Yahweh; I will set him in the safety he longs for. It would be good for you to make every effort to pay back what you owe, as God enables you.
However, if the harassment from the banks and individuals continues, it is important to take legal action. Contact local authorities or legal aids that can help protect your rights. It is important as a Christian to follow government authority as there is no authority except from God, and those which exist are ordained by God. So that he who resists the authority, withstands the ordinance of God; and they that withstand will receive to themselves judgment. And having food and clothing, we will be content with that. But those who are determined to be rich fall into a temptation and a snare and many foolish and harmful lusts, such as drown men in ruin and destruction.
Considering a loan to pay off your debts, it is wise to seek God in how to. God gives wisdom and sensible strategies, and it may be wiser to consolidate debts into lower payments, but be careful not to acquire more debt that you cannot pay. In all thy ways acknowledge him, and he shall direct thy paths. Be not wise in thine own eyes: but fear Yahweh, and depart from evil. It shall be health to thy navel, and marrow to thy bones.
Here is a prayer considering all of the above:
Heavenly Father, we come before You lifting up ###, asking for Your forgiveness, mercy, and intervention in their life. Lord, ### is burdened with a significant debt, and they are being harassed by banks and individuals. We pray for Your divine intervention and a miracle, and that it may be Your will that these accounts be settled and closed so that they need no longer make payments. Father allow them to have favour so that they can secure money to owe people and pay off ###, ###, their debt efforts turn to favour legally.
Lord, we ask for Your protection over ###, their family, and friends. We pray that the constant harassment will stop, and that ### and ### do not visit their home and disrupt their peace. Allow ### supernatural deposit of ### we pray as ours is a God of miracles. We know it is not against Your will to supply ### needs and a blessing to pay everything they owe, and lead a more comfortable life. ### has been faithful to believe in the name of Your Son Jesus Christ, thus You are faithful and just to forgive his sins and to cleanse him from all your unrighteousness.
Lord, we ask that You guide ### to the right people and resources to help them manage and resolve this debt according to your will. Give them the wisdom and strength to endure this trial and to make wise financial decisions.
In the name of Jesus Christ and the power of his blood we free ### from the stronghold demonic bondages of debt that has held his finances captive for so long. We pull down the strongman and every principality of finance. We command the devil and demonic minions and to let loose ### in every way and let his money be available for God in Jesus name. Be alert, stand firm in the faith, act like a man, be strong. May this prayer be a sweet-smelling savor to You as it ascends to You and the Holy Spirit intercedes. Comfort ### with the comfort You, have for your children.
Above all, we pray for ###'s peace and faith in You, Lord. We ask that Your peace, which surpasses all understanding, guards their heart allowing the light of Christ shine in them.
Father show ### the way and hiding places that he can trust in You when troubled and in fear. You are our hope and fortress in times of trouble and your giant promises are to us yes and amen and you have an deliverance plan for your child that is in this situation and He will instill the confidence back about your character to split the evil on both sides and make a way for your child. Deliver ### from evil and forgive him for the debt he finds himself. Holding fast to a form of godliness, although he has denied its power; Avoid such men as these. Withdraw thyself from every brother that walketh disorderly, and not after the tradition which he received of us. But as touching brotherly love ye need not that I write unto you: for ye yourselves are taught of God to love one another.
Help ### to strong faith in You and be loving. Be patient, bearing with one another in love, eager to maintain the unity of the Spirit in the bond of peace. Feel ###'s presence in the unity of the Holy Spirit in the bond of love. If we live by the Spirit, let us also walk by the Spirit.
We ask this in the powerful name of Jesus Christ our Lord, and it is by his blood he committed that we trust in that he will keep ### to the very end. May His mighty name be glorified even in this situation. Amen.
Hold fast to her the therefore he gave to His church and believe those things commissioned, never adding or subtracting scripture. You have the gospel and holy scriptures when you stand on the Tribunal of Christ and your work is done completely but look at the new things. Find a mentor and listen to online sermons and things needed to listen to stay tuned on the who, what, where, and why ONLY of the faith.
Prayer Focus: God, Thank You for loving me. Thank You for loving me, Jesus. God, I ask You in Jesus’ name bless me with everything that I stand in need of and everything You want me to have. Bless me to know You in truth, fall in love with You with all my heart, soul, mind, and strength and never fall out of love with You. Bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, and Your righteousness. Help and strengthen me God to always respect and obey You. Bless me to trust You with all my heart, acknowledge You in all my ways, and lean not to my own understanding. 
