We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress for you and your family. First, we commend you for coming in the name of Jesus, as it is only through His name that we have access to God and salvation. 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 struggle, it is essential to remember that God cares for us and wants us to be free from debt. As it says in Romans 13:8 WEB, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." God wants us to be free from the bondage of debt and to live in financial freedom.
However, it is crucial to face our financial responsibilities head-on and not seek an easy way out. In Psalm 37:21 WEB, it is written, "The wicked borrow, and don't pay back, but the righteous give generously." It is important that if we owe money to someone else then we must make sure we do everything in our power to repay it. It is also clear in the scripture that we should not seek a miracle to avoid our responsibilities. In 2 Thessalonians 3:10 WEB, it is written, "For even when we were with you, we commanded you this: 'If anyone is not willing to work, neither let him eat.'" Therefore if we have the ability to repay then we must work to do so.
We must also consider the seriousness of asking God to intervene just to avoid repaying our debts. In Psalm 66:18 WEB, it is written, "If I had cherished sin in my heart, the Lord would not have listened." Therefore if we are trying to avoid our responsibilities then God may not hear our prayers or intervene on our behalf.
Instead, we should seek God's wisdom and guidance in managing our finances and repaying our debts. In James 1:5 WEB, it is written, "If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach; and it will be given to him." God can provide us with the wisdom to manage our money effectively and repay our debts in a responsible manner.
Let us pray together for you:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister in need of financial guidance and debt relief. Lord, we ask that You grant them the wisdom and resources to manage their finances responsibly and repay their debts. We pray for protection from harassment and guidance in communicating with creditors. We ask that You provide for their needs and help them to live in financial freedom according to Your will. We pray all this for Jesus Christ and His sake. In Jesus' name, we pray. Amen.
Remember, God is faithful and will provide for your needs according to His will. Stay strong in faith and trust in Him. Also reach out to local financial counseling services or non-profits that may be able to help you navigate this situation.