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. Jesus tells us, "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 have need of 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.
While God can perform miracles and intervene in miraculous ways, it's important to remember that God also works through practical means and expects us to be responsible with our finances. The Bible tells us, "For even when we were with you, we commanded you this: 'If anyone is not willing to work, neither let him eat,'" 2 Thessalonians 3:10 WEB.
It's crucial to communicate with your creditors and work out a payment plan that is feasible for you. Avoiding the problem or hoping that it will go away is not a productive solution. Instead, take proactive steps to address the issue.
In addition, seeking guidance from a financial counselor or advisor can provide you with practical steps to manage your debt and create a budget. "Owe no one anything, except to love one another," Romans 13:8 WEB. You are a steward of the money God has given you. "The glory of God is to conceal a thing, but the glory of kings is to search out a matter," Proverbs 25:2 WEB.
We also want to address the issue of asking for a personal loan to pay off your debts. While this may seem like a quick solution, it's important to be cautious about taking on more debt. If you do decide to pursue a loan, make sure it is from a reputable source and that you understand the terms and conditions. "The rich rule over the poor, and the borrower is servant to the lender," Proverbs 22:7 WEB.
Regarding the harassment from debt collectors, you have rights, and it's essential to know them. In many places, there are laws that protect consumers from harassment and unfair practices. Research the laws in your area and take action if necessary.
Let's pray together:
Heavenly Father, we come before you, lifting up our brother/sister in need of your divine intervention and guidance. Lord, we ask for your wisdom and discernment as they navigate this financial challenge.
Help them to communicate effectively with their creditors and find a practical solution to their debt problem. Guide them to the right resources and advisors who can provide sound financial advice.
Protect them and their family from harassment and bring peace to their home. Give them the strength and courage to face this trial, knowing that you are with them every step of the way, as it says in Deuteronomy 31:6 WEB, "Be strong and courageous. Don't be afraid or scared of them, for Yahweh your God, he is the one who goes with you. He won't fail you nor forsake you."
In Jesus' name, we pray for a resolution to this financial burden and for your blessings to be poured out on their life. Help them through this time of trial. We ask all of these things in the precious name of our Lord and Savior Jesus Christ. Amen.
Lastly, we want to remind you that God is faithful, and he will help you through this challenging time. Trust in him, and don't give up hope.
If you are not already doing so, we encourage you to give a portion of your income to God as an offering and a sign of trust in Him. Our ability to give to God is one measure of how much we trust Him. The more we trust God, the more we can give. God does not want us to give reluctantly or out of necessity. Cheerful giving indicates our love for God and our willingness to obey His Word. It is also a key to receiving from God. In Malachi 3:10 WEB it says, "Bring the whole tithe into the store-house, that there may be food in my house, and test me now in this, says Yahweh of Armies, if I will not open you the windows of heaven, and pour you out a blessing, that there will not be room enough for."
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. 
