We join with you in lifting this heavy burden before the Lord, knowing that He is a God of justice, mercy, and provision. Your heart’s desire to repay what is owed is honorable, and we commend you for seeking God’s will in this trial. The harassment you face is unjust, and the shame it brings weighs heavily, but we must remember that our struggle is not against flesh and blood but against spiritual forces of wickedness (Ephesians 6:12). The Lord sees your distress, and He promises to be your refuge and strength in times of trouble (Psalm 46:1).
First, let us address the matter of your prayer for the debts to be miraculously erased without repayment. While God is able to do all things, we must be careful to align our prayers with His Word, which teaches us to honor our obligations. The Bible is clear: *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law"* (Romans 13:8). *"The wicked borrows, and doesn’t pay back, but the righteous give generously"* (Psalm 37:21). It is not wrong to ask God for relief, but we must also seek His wisdom in fulfilling our responsibilities. If the debt collectors have acted unjustly—charging excessive interest or harassing you beyond what is lawful—we can pray for God to expose their wrongdoing and bring justice. However, if the debt is legitimate, we must trust God to provide a way for you to repay it in His timing, not merely ask for it to vanish.
The threats against you and your family are deeply troubling, and we rebuke the spirit of fear and oppression in Jesus’ name. The Lord commands us not to fear, for He is with us (Isaiah 41:10). We pray that God would place a hedge of protection around you, your home, and your loved ones, silencing the voices of those who seek to harm or shame you. *"No weapon that is formed against you will prevail; and you will condemn every tongue that rises against you in judgment. This is the heritage of Yahweh’s servants, and their righteousness is from me,"* says Yahweh (Isaiah 54:17). The enemy seeks to steal, kill, and destroy, but Jesus came that you may have life abundantly (John 10:10). We declare that these threats will not prosper, and that God will turn what the enemy meant for evil into good (Genesis 50:20).
Regarding your request for a personal loan, we pray that God would open doors of favor if this is His will. However, we must also caution against falling into the same cycle of debt. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* If God provides a loan, we pray He would also grant you wisdom to manage it responsibly, ensuring that this solution does not become another snare. Seek His guidance in stewardship, and consider whether there are areas where you can reduce expenses or increase income through honest labor. *"Let him who stole steal no more; but rather let him labor, producing with his hands something that is good, that he may have something to give to him who has need"* (Ephesians 4:28).
We also encourage you to examine whether there are biblical principles you can apply to break free from this cycle. Have you sought counsel from wise believers or financial advisors who can help you create a plan? *"Where there is no counsel, plans fail; but in a multitude of counselors they are established"* (Proverbs 15:22). Sometimes, God’s provision comes through the practical steps we take in faith, combined with His supernatural intervention.
Lastly, we notice that while you invoked the name of Jesus in your prayer, there is a sense of urgency that borders on demanding a specific outcome. Let us remember that our prayers are not incantations to manipulate God but conversations with our Father, who knows what is best for us. *"Don’t be anxious for anything, 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"* (Philippians 4:6-7). Trust that His timing and His ways are perfect, even when they differ from our own.
---
**Our Prayer for You:**
Heavenly Father, we come before You on behalf of Your child, who is burdened by debt and the oppression of those who seek to exploit their struggle. Lord, You are a God of justice, and we ask that You would expose any unrighteousness in the actions of these debt collectors. If they have acted unjustly—charging excessive interest, harassing without cause, or threatening unlawfully—we pray that You would bring conviction upon them and cause their schemes to fail. Let every tongue that rises against Your servant be condemned, and let no weapon formed against them prosper.
Yet, Father, we also ask for wisdom and humility. If there are debts that are rightfully owed, we pray that You would provide a way for repayment in a manner that brings glory to Your name. Open doors of favor for honest work, unexpected provision, or godly counsel that would help them steward their resources wisely. Break the cycle of debt in their life, Lord, and teach them to trust in You as their Provider, not in the uncertain riches of this world.
We rebuke the spirit of fear and shame that has sought to overwhelm them. You have not given us a spirit of fear, but of power, love, and sound mind (2 Timothy 1:7). Restore their peace, Father, and let them sleep without torment. Protect their home from unwelcome visitors, and let no harm come to their reputation or their employment. Surround them with Your favor as with a shield.
If it is Your will to provide a loan, let it come without usury or hidden snares, and grant them the discipline to use it wisely. But more than that, Lord, we ask that You would lead them into financial freedom, teaching them to live within their means and to store up treasures in heaven, where moth and rust do not destroy.
We thank You, Father, that You are near to the brokenhearted and save those who are crushed in spirit (Psalm 34:18). Let this trial be a testimony of Your faithfulness, and let it draw them closer to You. May they find their security not in the absence of debt, but in Your unfailing love.
In the mighty name of Jesus Christ, our Lord and Savior, we pray. Amen.
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. 
