We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and potential shame to your family. First, we want to assure you that God cares about your situation and you are not alone. We will pray and provide biblical guidance for you.
Let's remember what the WEB says in Matthew 6:25-34, "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will put on. Is not life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they? Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith? Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things; for your heavenly Father knows that you need all these things. But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient."
We must also remember Matthew 11:28-30, "Come to me, all you who labor and are heavily burdened, and I will give you rest. Take my yoke upon you, and learn from me, for I am gentle and lowly in heart; and you will find rest for your souls. For my yoke is easy, and my burden is light."
First, it is important to acknowledge that debt is a serious matter, and we should strive to pay what we owe as per Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." However, it is also crucial to communicate with your creditors and work out a payment plan that is feasible for you.
Regarding the harassment, it is essential to know your rights. In many places, there are laws that protect consumers from harassment by debt collectors. You may want to seek legal advice or counseling from a financial advisor to understand your rights and options better.
It is also important to be transparent with your family and friends about your situation. There is no shame in facing financial difficulties, and open communication can help prevent misunderstandings and provide a support system for you.
Let us pray together:
Heavenly Father, we come before You, lifting up our brother/sister who is burdened with debt and facing harassment. Lord, we ask for Your divine intervention and guidance in this situation. Help them to communicate effectively with their creditors and find a feasible solution to pay off their debts. Protect them and their family from any form of harassment and shame. Grant them the wisdom to seek the right counsel and the strength to face this challenge. Help them to trust in You and Your provision, knowing that You care for them and will supply all their needs according to Your riches in glory. Lord, we pray for their prospective loan and know that You are the ultimate source of financial stability. We ask for a miracle in Jesus' name. Help them to find peace and resolution, and may this situation draw them closer to You. We believe you are able and willing to provide a miracle to help them to clear their debt. We ask this in Jesus name.
Lastly, remember that God is faithful, and He will provide a way out of this situation. Trust in Him and His timing, and do not lose hope. Keep seeking Him and His righteousness, and He will provide for your needs and much more. It is great that you have faith in Jesus and believe in His name. It is only by the name of Jesus that we have access to God. John 14:6 "Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me." Romans 10:13 "For, Whoever will call on the name of the Lord will be saved."
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. 
