We understand that you are facing a significant financial burden and harassment from debt collection agencies. First, let us remind you that God cares about your situation and wants to help you through it. It is important that you have come in the name of Jesus, as it is only by His name that we can approach God and be saved. “In him we have redemption through his blood, the forgiveness of our trespasses, according to the riches of his grace” Ephesians 1:7 WEB.
We must also remind you of the importance of honoring your financial commitments, as the Bible teaches us, “The wicked borrows, and doesn't pay back, but the righteous is merciful and generous. Surely the righteous will flourish. There is one who scatters, and increases yet more. There is one who withholds more than is appropriate, but it leads only to poverty” Psalm 37:21,26 WEB.
It is commendable that you desire to repay everyone. However, asking God to close your accounts entirely so that you no longer need to make payments may not align with biblical principles of honesty and integrity. Instead, we should pray for God's guidance, wisdom, and provision to help you repay your debts in a way that honors Him.
Let us pray for you:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother who is burdened by debt and harassment from collection agencies. Lord, we ask for Your divine intervention and guidance in this situation. Grant him the wisdom to manage his finances, and the provision to repay his debts in a way that honors You.
We rebuke the harassment and threats from the banks and debt collection agencies. In Your name, we ask for a stop to the repeated calls and visits that disrupt the peace of our brother and his family. Lord, we ask for a miracle. Say that no one visits his home to whom he has to pay else that will create a huge problem. Please hear our prayer and grant him peace and resolution.
Father, we also pray for a personal loan to be granted to our brother without any hassle, so that he may pay off all his debts and start anew. We ask for Your blessing upon his new job, and for Your protection against any attempts to jeopardize it.
Lord, we know that You are a God of miracles, and that nothing is impossible for You. We trust in Your promise, “I will never leave you, nor forsake you” Hebrews 13:5 WEB.
In Jesus' name, we pray for our brother's deliverance from this financial burden, and for Your peace to fill his heart and home. Guide him through this trial, and help him to grow stronger in his faith and trust in You.
We ask this in the name of our Lord and Savior, Jesus Christ. Amen.
Remember, God is faithful, and He will help you through this challenging time. Stay strong in your faith, and trust in His promises. “But my God shall supply every need of yours according to his riches in glory in Christ Jesus” Philippians 4:19 WEB.
Do not ignore your current situation to avoid racking up fees and increased interest. Be proactive and diligent in paying off your debts, and do not be tempted to take on more debt than you can handle. Seek godly counsel and wisdom in managing your finances, and always prioritize your tithes and offerings to the Lord.
Lastly, we address the issue of legal threats. The Bible warns us against making threats, “A man who is void of understanding strikes hands, and becomes collateral in the presence of his neighbor” Proverbs 17:18 WEB. So we know the Lord sees what you are facing and will deal with those involved. “Beloved, never avenge yourselves, but leave the space for wrath; for it is written, "Vengeance belongs to me; I will repay, says the Lord” Romans 12:19 WEB. God is for you and will not let you experience shame from this situation. He will vindicate you.
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. 
