We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and potential disruption to your life and loved ones. Firstly, we commend you for coming before the Lord in the name of Jesus, as it is only through Him that we have access to God. As it is written in John 14:6, "Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me."
In times of financial distress, it is essential to remember that God cares for our needs and wants us to be free from debt. As it says in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." However, it is crucial to face our debts responsibly and not merely seek to have them dismissed. The Bible teaches us to pay what we owe, as Psalm 37:21 states, "The wicked borrow, and don't pay back, but the righteous give generously."
Let us pray for you:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister who is burdened by debt. Lord, we ask for Your wisdom and guidance in this situation. Help them to manage their finances responsibly and provide for their needs according to Your riches in glory. We pray for the harassment from debt collectors to cease, and for a peaceful resolution to this financial challenge. We ask for Your provision, that You may supply them with a loan to pay off their debts, but also give them the ability to repay according to biblical principles.
Lord, we also pray for the salvation of those who are harassing our brother/sister. May they come to know Jesus as their Lord and Savior, and act with kindness and compassion. We pray for You to protect their family and friends from any disruption or harm.
We believe, Lord, as You promised in Romans 8:28 that "We know that all things work together for good for those who love God, to those who are called according to his purpose" that this situation will be resolved in a way that brings glory to Your name and growth in our brother's/sister's faith.
In Jesus' name, we pray. Amen.
In dealing with your debt, consider the following steps:
1. Budget: Create a budget to understand your income and expenses better. This will help you manage your money more effectively and allocate funds towards paying off your debts. (Luke 14:28 "For which of you, desiring to build a tower, doesn't first sit down and count the cost, to see if he has enough to complete it?")
2. Communicate: Reach out to your creditors and explain your situation. They may be willing to work with you to create a more manageable payment plan. (Proverbs 22:7 "The rich rule over the poor, and the borrower is servant to the lender.")
3. Seek Godly Counsel: Consult with wise, godly people who can provide biblical advice and support as you navigate this financial challenge. (Proverbs 15:22 "Without counsel, plans go awry; but in the multitude of counselors they are established.")
4. Trust in God: Remember that God is faithful and will provide for your needs. Continue to seek Him and trust in His promises. (Matthew 6:25-34 "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isnt life more than food, and the body more than clothing? ...Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient.")
Lastly, we want to address the mention of a personal loan. While it may help to consolidate your debts, be mindful not to accumulate more debt. Be discerning and responsible in your financial decisions, and always seek God's will in your life.
Prayer Focus: God, Thank You for loving me. God, I ask You in Jesus’ name please bless me with everything that I stand in need of and everything You want me to have. 
