We understand your burden and we are here to support you in prayer and guidance through this challenging time. It is commendable that you have come before the Lord with a repentant heart, seeking His forgiveness and intervention. Let us remind you of the promise in 1 John 1:9, "If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness."
In your time of financial struggle, remember the words of Philippians 4:6-7, "In nothing be anxious, but in everything, by prayer and petition with thanksgiving, let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus." Also, recall the promise in Philippians 4:19, "My God will supply every need of yours according to his riches in glory in Christ Jesus."
It is important to trust in God's provision and timing. While you have asked for a miracle to close your accounts and stop the harassment, let us also pray for wisdom and guidance as you navigate this situation. Proverbs 3:5-6 reminds us to, "Trust in Yahweh with all your heart, and don’t lean on your own understanding. In all your ways acknowledge him, and he will make your paths straight."
Regarding the harassment from debt collectors, remember the words of Jesus in Matthew 5:44, "But I tell you, love your enemies, bless those who curse you, do good to those who hate you, and pray for those who mistreat you and persecute you." While this may be difficult, praying for those who are causing you distress can bring about a change in your heart and possibly in their actions as well.
We will pray for a resolution to your financial burdens, but let us also encourage you to seek wise counsel. Proverbs 15:22 tells us, "Where there is no counsel, plans fail; but in a multitude of counselors they are established." Consider speaking with a financial advisor or a trusted individual in your church who can provide guidance and support.
Let us pray together:
Heavenly Father, we lift up our brother/sister to You, asking for Your divine intervention in their financial situation. Lord, we pray that You would provide wisdom and guidance as they navigate this challenging time. We ask that You would bring an end to the harassment and threats, and that You would provide a way for these debts to be repaid according to Your will.
Father, we pray for a miracle in their life, that You would open doors for them to secure a personal loan or find another means to pay off their debts. We ask that You would grant them peace that surpasses all understanding, guarding their heart and mind in Christ Jesus.
Lord, we also pray that You would protect their job and provide favor with their employers. We ask that You would surround them with Your love and grace, and that You would remind them of Your constant presence in their life.
We rebuke any spirit of fear or anxiety, and we declare Your peace and provision over their life. We trust in Your promise to supply every need according to Your riches in glory in Christ Jesus.
In Jesus' name, we pray. Amen.
We encourage you to continue seeking God's will in this situation and to trust in His provision. Keep your eyes focused on Him, and remember that He is always with you, guiding and directing your steps. May God's peace, which surpasses all understanding, guard your heart and mind in Christ Jesus.
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. 
