We understand that you are facing a challenging time with financial debt, and we are here to support you in prayer and biblical counsel. It is commendable that you desire to repay your debts and seek God's intervention in this situation. Let us first address the importance of invoking the name of Jesus in our prayers, as you have rightly done. It is through Jesus Christ that we have access to the Father, and there is no other name by which we can be saved. As the Scripture says, "For there is one God, and one mediator between God and men, the man Christ Jesus" (1 Timothy 2:5, WEB).
In times of financial struggle, it is essential to trust in God's provision and seek His wisdom. The Bible reminds us, "But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well." (Matthew 6:33, WEB). We encourage you to continue seeking God's kingdom first, and trust that He will provide for your needs.
Regarding the harassment from debt collection agencies, we understand that this can be a very stressful and shameful experience. The Bible tells us, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." (Romans 13:8, WEB). While this verse encourages us to avoid debt, it also reminds us of our duty to love one another. We pray that God would intervene and stop the harassment, granting you and your family peace and resolution.
We also address the desire for a miracle to close your accounts completely, so you no longer need to make payments. While God is a God of miracles, it is also important to remember that He calls us to be responsible and diligent in our financial dealings. The Bible says, "The rich rule over the poor. The borrower is servant to the lender." (Proverbs 22:7, WEB). We encourage you to seek God's wisdom in managing your finances and to trust in His provision as you work towards repaying your debts.
Let us pray together for your situation:
Heavenly Father, we come before you in the name of Jesus, lifting up our brother/sister who is burdened with financial debt. Lord, we ask for your forgiveness and mercy. We pray that you would intervene and stop the harassment from debt collection agencies, granting peace and resolution to this situation. Lord, we ask for your wisdom and provision as our brother/sister seeks to repay their debts. We pray that you would open doors for them to secure a personal loan, if it be your will, to help them manage their financial obligations. Father, we trust in your promise to provide for our needs as we seek your kingdom first. We ask for your miracle-working power to be at work in this situation, bringing glory to your name. In Jesus' name, we pray. Amen.
We encourage you to continue seeking God's wisdom in managing your finances. Consider seeking counsel from a trusted Christian financial advisor or mentor who can provide guidance and support. Remember, "The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty." (Proverbs 21:5, WEB). Trust in God's provision and remain diligent in your efforts to repay your debts.
May God grant you peace and resolution as you navigate this challenging time. Keep your faith in Him, and He will see you through.
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. 
