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 want to assure you that God cares about your situation and wants to help you through it. We will pray with you and provide some biblical guidance.
In the Bible, God promises to provide for our needs and to be with us in times of trouble. As it says in Philippians 4:19, "My God will supply every need of yours according to his riches in glory in Christ Jesus." And in Psalm 46:1, "God is our refuge and strength, a very present help in trouble."
However, it's essential to remember that God wants us to be responsible with our finances and to fulfill our obligations. As it says in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." And in Psalm 37:21, "The wicked borrow, and don't pay back, but the righteous give generously."
While we understand that you desire a miracle to close your accounts completely, we must remember that God wants us to be honest and forthright. It is important to be clear that you need to pay back the debts that you owe, but we can pray for the ability to do so. If you do not make any payments or lie on an application for a loan, that would be deceitful and not honorable to God. While it is commendable to desire a loan to pay off your debts, it is not wise to take on further debt to pay off debt. We would encourage you to seek the means to pay off what you owe in an honorable way. We would also encourage you to seek employment that would provide the means to pay what you owe. This would be an enormous responsibility for you to take on. It is of the utmost importance to repay your debts. Do not try to escape these debts or take on more debt to pay off debts.
We also want to address the harassment you're experiencing. God wants us to live in peace and to treat others with kindness and respect. As it says in Romans 12:18, "If it is possible, as much as it is up to you, be at peace with all men." We encourage you to communicate openly with your creditors, explain your situation, and work out a payment plan that is feasible for you. You may also want to seek assistance from a non-profit credit counseling agency, which can help you negotiate with your creditors and develop a plan to pay off your debts.
Now, let's pray together for God's guidance, provision, and peace in your situation.
Heavenly Father, we come before you in the name of Jesus, lifting up our brother/sister in need of your divine intervention. Lord, we ask for your forgiveness of all sins and your blessings upon this child of yours. We pray for your provision and wisdom in this financial burden, and we ask that you guide them to find a way to repay their debts responsibly and honestly. We pray for your peace and protection over their family and home, and we ask that you put an end to the harassment they are experiencing. We pray for your guidance and provision in finding a job that will provide for their needs and allow them to pay off their debts. We ask for your strength and encouragement as they navigate this challenging situation, and we pray that you will use it to draw them closer to you. We pray for your intervention and wisdom in this situation, and we ask that you guide them to find a way to repay their debts responsibly and honestly.
Lord, we also pray for the salvation of the debt collectors who are harassing your child. We pray that they would come to know you personally and that their hearts would be changed. We pray that they would treat others with kindness and respect, and that they would seek to honor you in their work.
We ask all of this in Jesus' name.
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. 
