We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress and potential disruption to your life and loved ones. 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, "There is salvation in no one else, for there is no other name under heaven given among men by which we must be saved" Acts 4:12 WEB.
In times of financial distress, it is essential to remember that God cares for us and wants to provide for our needs. Jesus encouraged us, "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" Matthew 6:31-33 WEB.
However, it is crucial to address the expectation for a miracle to close debt accounts completely without further payments, as this may not align with biblical principles of responsibility and integrity. We are called to be responsible and honest in our dealings. If we have borrowed, we should do our best to repay. Psalm 37:21 WEB tells us, "The wicked borrow, and do not pay back, but the righteous give generously."
We encourage you to be proactive in communicating with your creditors, explaining your situation, and working out a payment plan that is manageable for you. It is also wise to seek counsel from financial advisors or non-profit organizations that specialize in helping individuals manage and overcome debt. This is important in order to avoid future harassment or potential legal actions.
Regarding the harassment, God commands us to treat each other with kindness and respect. If the debt collectors are acting unjustly, we can pray for their conviction and for a resolution that honors God's principles of justice and mercy. "Let all bitterness, wrath, anger, outcry, and slander, be put away from you, with all malice. And be kind to one another, tenderhearted, forgiving one another, even as God also in Christ forgave you" Ephesians 4:31-32 WEB.
Let us pray together:
Heavenly Father, we come before You in the name of Jesus, 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 find a way to responsibly manage and repay their debts, and provide for their needs according to Your riches in glory. Protect them and their family from harassment and bring peace to their home. Convict the hearts of the debt collectors and lead them to act with justice and mercy. In Jesus' name, we pray for a resolution that honors You and brings glory to Your name. Amen.
We encourage you to stay strong in your faith, be responsible in your actions, and trust in God's provision and guidance. May the peace of God, which surpasses all understanding, guard your hearts and minds in Christ Jesus Philippians 4:7 WEB.