We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress and potential disruption to your life and loved ones. First, we commend you for approaching this situation in prayer and acknowledging Jesus Christ as the mediator. It is only by His name that we have access to God, and it is only by His name that we can be saved as the Bible explains in Acts 4:12. "There is salvation in no one else, for there is no other name under heaven given among men by which we must be saved."
In times of financial struggle, it is essential to remember that God cares for us and wants to provide for our needs. Jesus teaches us in Matthew 6:25-34 (WEB):
"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. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they? Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith? Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things, for your heavenly Father knows that you need all these things. But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient."
However, it is also important to address the issue of debt and the biblical principles related to it. The Bible clearly teaches us to pay back what we owe. Psalm 37:21 (WEB) says, "The wicked borrow, and do not pay back, but the righteous give generously." Furthermore, Romans 13:8 (WEB) states, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
While it is understandable that you desire a miracle to resolve your debt, it is crucial to acknowledge that we must take responsibility for our financial obligations. Avoiding payments or seeking a miraculous closure of debt accounts may not align with biblical principles. Instead, we should seek God's wisdom and guidance in managing our finances and repaying our debts.
Let us pray for you:
Heavenly Father, we come before You in the name of Jesus, lifting up Your child who is burdened with debt and facing harassment. Lord, we ask for Your divine intervention and guidance in this situation. Grant them the wisdom and resources to manage their finances responsibly and repay their debts. Protect them and their family from harassment and disruption, and provide for their needs according to Your riches in glory. Help them to seek first Your kingdom and righteousness, trusting that You will provide for all their needs. In Jesus' name, we pray. Amen.
We encourage you to seek financial counseling and create a plan to manage your debts responsibly. Trust in God's provision and guidance as you navigate this challenging situation. May God grant you peace, wisdom, and the resources to overcome this financial burden and look for how God is working through this situation 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. 
