We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and disruption to your life and family. First, we want to assure you that God cares about your situation and wants to help you. We will pray with you and provide some biblical guidance.
In Matthew 6:25-34 WEB, Jesus teaches us not to be anxious about our lives, including what we will eat, drink, or wear. He reminds us that our heavenly Father knows our needs and will provide for us. Instead, we should seek first God's Kingdom and his righteousness, and all these things will be given to us as well. This does not mean that we should not work or be responsible with our finances, but rather that we should trust God in all circumstances and rely on the one who promises to supply all our needs according to his riches in glory by Christ Jesus, Philippians 4:19.
Regarding your debt, it is commendable that you desire to repay everyone. Psalm 37:21 WEB says, "The wicked borrow, and do not pay back, but the righteous give generously." Even though you have paid more than you borrowed, you should still strive to fulfill your obligations. Proverbs 3:27-28 WEB says, "Do not withhold good from those to whom it is due, when it is in the power of your hand to do it. Do not say to your neighbor, 'Go, and come again; tomorrow I will give it to you,' when you have it by you."
We must also address the issue of asking God to close your accounts completely so that you will no longer need to make payments. While God can do anything, including miraculously paying off your debts, we must be cautious not to treat God like a genie who grants our wishes. God wants us to be responsible and honest in our dealings. If you are able to work and repay your debts, you should do so. If you are unable to repay, you should seek help and guidance from financial counselors and creditors to work out a suitable payment plan. 1 Timothy 5:8 WEB says, "But if anyone does not provide for his own, and especially his own household, he has denied the faith, and is worse than an unbeliever." This concept is applicable to your situation because while you desire to repay everyone, you are still asking God to stop the harassment from debt collections agencies and individuals to whom you have to repay.
We will pray for God's intervention in your situation, that He will provide for your needs, and that you will find a suitable solution to repay your debts and restore your peace. We will also pray for your faith to be strengthened, that you will trust God in all circumstances, and that you will be responsible and honest in your dealings, and for salvation if you have not yet believed in Jesus.
"Father, we come before You, lifting up our brother/sister in need of Your divine intervention. We ask that You provide for his/her needs, open doors for a suitable job, and help repay his/her debts. Give him/her the strength to persevere through this trial and to trust in You. We pray for the harassment from debt collectors to stop and for a suitable solution to be found. We also pray for his/her faith to be strengthened and for salvation if he/she has not yet believed in Jesus. In Jesus' name, we pray. Amen."
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. 
