We understand that you are facing a challenging financial situation with debt and harassment from collection agencies. First, we commend you for approaching this situation in prayer and in the name of Jesus, as it is only through Him that we have access to God and can be saved. (John 14:6 The WEB says: Jesus said to him, "I am the way, the truth, and the life. No one comes to the Father except through me.").
In the Bible, we are encouraged to be diligent in our work and to pay what we owe. (Romans 13:8 WEB says: Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.). It is important to take responsibility for our debts and work towards paying them off honestly.
However, we also recognize the stress and harassment you are experiencing. It is not right for others to threaten or harass you, especially when you are making efforts to repay your debts. (Matthew 7:12 WEB says: Therefore whatever you desire for men to do to you, you shall also do to them; for this is the law and the prophets.).
Let us pray together for God's intervention and guidance:
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 divine wisdom and intervention in this situation. We pray that You would provide a means for them to pay off their debts in an honest and timely manner.
We rebuke the harassment and threats from collection agencies. Lord, we ask that You would shield our brother/sister and their family from this distress. We pray for a peaceful resolution and for the agencies to act with fairness and integrity. (Psalm 5:11 WEB says: But let all those who take refuge in you rejoice, Let them always shout for joy, because you defend them. Let those also who love your name be joyful in you.).
Father, we also pray for a miracle in this situation. If it is Your will, open up a means for our brother/sister to receive a personal loan to consolidate and pay off their debts. Guide them in their job and help them to be a good steward of their finances.
Lastly, Lord, we pray for peace and comfort for our brother/sister during this time. Remind them of Your unfailing love and faithfulness. Help them to trust in You and to rest in Your promise to provide for all our needs. (Philippians 4:19 WEB says: My God will supply every need of yours according to his riches in glory in Christ Jesus.).
We ask all these things in the precious name of our Lord and Savior, Jesus Christ. Amen.
In the meantime, we encourage you to seek godly counsel and financial advice to help you manage your debts. Be transparent with your creditors about your situation and work with them to come up with a payment plan. Trust in God's provision and faithfulness, and remember that He is your ultimate provider.
Also, apply this in your life: 1 Timothy 6:9 WEB says: But those who are determined to be rich fall into a temptation and a snare and many foolish and harmful lusts, such as drown men in ruin and destruction.
If you are contemplating any financial fraud, we urge and rebuke you to refrain. (Acts 5:1 WEB says: But a certain man named Ananias, with Sapphira, his wife, sold a possession).