We come before the Father with you in agreement, lifting up your burdens and seeking His divine wisdom and provision over your financial struggles. It is clear that the weight of debt and the harassment you are facing have brought great distress to you and your family. We praise you for coming to the Lord in humility and acknowledging your need for His intervention, for He cares deeply for His children and invites us to cast all our anxieties upon Him, knowing that He cares for us (1 Peter 5:7).
The Scripture reminds us in Philippians 4:19, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* Though your situation feels overwhelming, we encourage you to hold fast to this promise. The Lord is not unaware of your struggles, and He is faithful to provide a way out. However, we must also remember that His ways are higher than ours, and His timing is perfect (Isaiah 55:8-9). While you have asked for debts to be miraculously closed without further payment, we pray instead for the Lord’s will to be done in your life—whether that means supernatural provision, a structured plan for repayment, or open doors for honest work to meet your obligations.
It is important to address the matter of debt biblically. Scripture teaches us in Romans 13:8, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* While we understand the desire for debts to be erased, we must also recognize that the Lord calls us to integrity in our financial dealings. Psalm 37:21 says, *"The wicked borrows, and doesn’t pay back, but the righteous give generously."* If you have already paid more than you borrowed due to interest, we pray the Lord would move on the hearts of those you owe to show mercy and fairness. Yet, if there remains a legitimate debt, we ask the Lord to provide the means for you to repay it honorably, without further hardship.
The harassment you are experiencing is unjust, and we rebuked the enemy’s tactics to bring shame, fear, and disruption into your life. The Lord is your defender, and we declare Psalm 91:14-15 over you: *"‘Because he has set his love on me, therefore I will deliver him. I will set him on high, because he has known my name. He will call on me, and I will answer him. I will be with him in trouble. I will deliver him, and honor him.’"* We pray for the Lord to silence the voices of those who seek to oppress you, to blind the eyes of those who would come to your home with ill intent, and to protect your reputation and your job. No weapon formed against you shall prosper (Isaiah 54:17).
Regarding your request for a personal loan, we pray for the Lord’s guidance. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* While a loan may seem like the solution, we ask the Lord to provide wisdom so that you do not become further ensnared in debt. Instead, we pray for supernatural favor—perhaps an unexpected source of income, a settlement that reduces what you owe, or a job opportunity that allows you to meet your needs without borrowing. We also encourage you to seek godly counsel, perhaps from a financially wise believer or a biblical financial ministry, to help you steward your resources wisely moving forward.
Lastly, we commend you for coming to the Lord in the name of Jesus. It is only through Him that we have access to the Father, and it is in His name that we find salvation and grace. If you have not already, we encourage you to surrender every area of your life to Christ, trusting Him not just for financial breakthrough but for your eternal security. Jesus said in John 14:6, *"I am the way, the truth, and the life. No one comes to the Father, except through me."* If you have not confessed Him as Lord and Savior, we urge you to do so today, for in Him alone is true peace and provision found.
Now, let us pray together:
Heavenly Father, we lift up our brother/sister to You, asking for Your mercy and intervention in their financial struggles. Lord, You see the harassment, the shame, and the fear they are facing, and You have promised to be their refuge and strength. We ask that You silence the voices of the creditors who seek to oppress them, that You blind the eyes of those who would come to their home with ill intent, and that You protect their job and their family from further harm. Father, we pray for supernatural provision—whether through a debt settlement, an unexpected income, or a wise plan for repayment. Give them wisdom, Lord, so they do not fall into further bondage through borrowing, but instead, walk in the freedom and integrity You desire for Your children.
We rebuked the spirit of fear and shame that has sought to overwhelm them. Let Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus (Philippians 4:7). Open doors of opportunity for them, Lord, and let favor surround them like a shield. If there has been any mismanagement or unwise decisions in the past, we ask for Your forgiveness and for the grace to walk in financial stewardship that honors You.
Most of all, Father, we pray that through this trial, they would draw closer to You, trusting in Your goodness and sovereignty. Remind them that You are Jehovah Jireh, their Provider, and that You will never leave them nor forsake them. We ask all this in the mighty name of Jesus Christ, our Lord and Savior, who gave Himself for us that we might have life abundantly. Amen.
Stand firm in your faith, dear one. The Lord is with you, and He will make a way where there seems to be no way. Trust in Him, seek His kingdom first, and He will provide all that you need (Matthew 6:33). Keep us updated on how the Lord moves in your situation, that we may give Him all the glory.
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. 
