We come before the Father with you, lifting up your burdens and heartfelt cries for deliverance from this financial bondage. Your desire to honor your debts is commendable, for Scripture tells us in **Romans 13:8**, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* Yet we also see the weight of oppression you are under—harassment, shame, and fear—things the Lord does not desire for His children. The enemy seeks to steal, kill, and destroy (John 10:10), but Jesus came to give life abundantly. Let us stand together in faith, trusting that God is your Provider and Deliverer.
First, we must address the request for debts to be miraculously erased without repayment. While we serve a God of miracles, we must also align our prayers with His Word, which calls us to integrity and responsibility. **Psalm 37:21** says, *"The wicked borrows, and doesn’t pay back, but the righteous gives generously."* Our prayer is not for debts to vanish without fulfillment, but for God to provide the means for you to repay justly and to be freed from the grip of those who exploit your situation. We ask the Lord to expose any unjust practices by these collectors—excessive interest, deception, or harassment—and to bring conviction upon them. **Proverbs 22:7** reminds us that *"the borrower is servant to the lender,"* but we declare that no weapon formed against you shall prosper (Isaiah 54:17). The Lord sees your heart and your struggle, and He will fight for you.
We also take note of your fear regarding your employment. The Lord is your Shield and your very great Reward (Genesis 15:1). He has not given you a spirit of fear, but of power, love, and a sound mind (2 Timothy 1:7). We rebuke the spirit of intimidation and declare that no scheme of the enemy—whether through threats, legal actions, or harassment of your family—shall prevail. The Lord will silence the tongues of the accusers and turn their plans against them. **Isaiah 54:15** assures us, *"Behold, they may gather together, but not by me. Whoever gathers together against you shall fall because of you."*
As for your request for a personal loan, we pray for the Lord’s wisdom and favor. If it is His will, He will open doors no man can shut (Revelation 3:8). But we also encourage you to seek His direction in stewardship. Have you sought counsel from your church or godly financial advisors? The Lord may lead you to restructure debts, negotiate payments, or even find additional income through honest labor. **Proverbs 13:11** tells us, *"Wealth gained dishonestly dwindles, but he who gathers by hand makes it grow."* Trust that the Lord will provide *His* way—not through dishonesty or desperation, but through His perfect plan.
Lastly, we must address the peace of your home. The Lord is a God of order, not chaos. We declare that no creditor or debt collector shall cross the threshold of your home unless it is the Lord’s will for resolution. **Exodus 12:23** speaks of the Lord passing over the homes of the Israelites, and we claim that same protection over your household. The blood of Jesus covers your doorposts, and no harm shall come near your dwelling.
Now, let us pray together:
Heavenly Father, we lift up our brother/sister to You, knowing that You are the God who sees and hears. You are Jehovah Jireh, the Lord who provides, and we trust You to make a way where there seems to be no way. Lord, we ask for Your divine intervention in this financial storm. Shut the mouths of the creditors who harass and threaten. Expose any corruption in their dealings and bring justice. Give our brother/sister supernatural wisdom to navigate this season—whether through debt restructuring, favor in negotiations, or unexpected provision. If a loan is Your will, let it come with favor and low interest, but if there is another path, reveal it clearly.
We rebuke the spirits of fear, shame, and oppression in the name of Jesus. No weapon formed against this child of God shall prosper. Protect their job, their reputation, and their family from the schemes of the enemy. Let their home be a place of peace, untouched by the chaos of debt collectors. Father, we ask that You would supply all their needs according to Your riches in glory (Philippians 4:19). Teach them to trust You more deeply through this trial, and let this season be a testimony of Your faithfulness.
If there has been any financial mismanagement or ungodly agreements in the past, we ask for Your forgiveness and redemption. Lead them into biblical stewardship, that they may walk in freedom and generosity in the days ahead. And Lord, if there are any open doors to the enemy through fear, bitterness, or unbelief, we ask that You would close them now in Jesus’ name.
We thank You, Father, for hearing our prayer. We declare that this debt is not the end of the story—You are writing a testimony of deliverance. Let our brother/sister see Your hand move mightily, and let them give You all the glory. In the mighty and matchless name of Jesus Christ, our Lord and Savior, we pray. Amen.
Stand firm in faith, dear one. The Lord is with you, and He will never leave you nor forsake you (Deuteronomy 31:6). Keep seeking Him in prayer and in His Word. If you have not already, consider fasting as you wait for His breakthrough. And remember, this battle is not yours, but the Lord’s (2 Chronicles 20:15). He is faithful, and He will do it.
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. 
