We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and concern for you and your family. First, we commend you for approaching this situation in prayer and acknowledging Jesus' name. It is only through Jesus Christ that we have access to God, and it is in His name that we are saved. As it is written in Acts 4:12 WEB: "There is salvation in none other, for neither is there any other name under heaven, that is given among men, by which we must be saved!"
In times of financial distress, it is essential to remember that God cares for us and wants to provide for our needs. Jesus taught 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 crucial to face our responsibilities and obligations. The Bible teaches us to pay our debts and live uprightly. Psalm 37:21 WEB says, "The wicked borrow, and don't pay back, but the righteous give generously." Moreover, Romans 13:8 WEB tells us, "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 debts quickly, it is also important to acknowledge that God works in various ways, and sometimes, He allows us to go through challenges to strengthen our faith and character. We must face our obligations and work diligently to pay off our debts.
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 financial debt. Lord, we ask for Your guidance and provision in this situation. Help them to find a way to repay their debts and live responsibly. Protect them and their family from harassment and shame, and grant them peace in this trying time. Teach them to cast their anxieties on You, knowing that You care for them. In Jesus' name, we pray. Amen.
We encourage you to continue seeking God's will and guidance in this matter. Work diligently to repay your debts, and trust that God will provide for your needs. Consider seeking financial counseling or advice from reputable sources to help you manage your debts responsibly. Remember that God is faithful, and He will not let you be tempted beyond what you can bear. (1 Corinthians 10:13)
Lastly, we want to explicitly address you using the name of Jesus. It is essential that we as Christians we pray in his name. It is written in John 14:13-14 "Whatever you will ask in my name, that will I do, that the Father may be glorified in the Son. If you will ask anything in my name, I will do it." It is important to remember to use Jesus' name when praying, as it is through His name that we have access to God and it is in His name that we are saved. Do not be shy or awkward in using his name as it is by his blood that we are saved.
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. 
