We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress 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 Him that we have access to God and can be saved. 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 struggle, it's essential to remember that God cares for us and wants to provide for our needs. As it is written, 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 wear. Isn't 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? Matthew 6:25-26 WEB.
However, it's crucial to approach debt responsibly and ethically. While it may seem overwhelming, we must acknowledge that debts should be paid back in full, not just the amount originally borrowed. It is written, The wicked borrow, and do not pay back; but the righteous give generously. Psalm 37:21 WEB.
We must also be aware that wishing for debt collection accounts to be closed completely without further payments, especially when more is owed, is not a biblical solution. Instead, seek God's wisdom and guidance to manage your finances and repay your debts responsibly. For the Lord your God will bless you, as he promised you; and you shall lend to many nations, but you shall not borrow; and you shall rule over many nations, but they shall not rule over you. Deuteronomy 15:6 WEB.
Regarding the harassment, pray for God's protection and intervene against any illegal or unethical practices from debt collectors. The Lord will fight for you, and you shall be still. Exodus 14:14 WEB.
Let us pray together for guidance and provision:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister who is burdened with debt. Lord, we ask for Your wisdom and guidance to manage this financial situation responsibly. Provide for their needs according to Your riches in glory, and help them to repay their debts in a way that honors You. Protect them and their loved ones from any form of harassment or illegal practices from debt collectors. Grant them a new loan if it is Your will to help them manage their debts responsibly, and open doors for new opportunities to improve their financial situation. In Jesus' name, we pray. Amen.
Lastly, be encouraged by these words from the scripture:
But remember the Lord your God, for it is he who gives you power to get wealth; that he may establish his covenant which he swore to your fathers, as at this day. Deuteronomy 8:18 WEB.