We come before the Father with you in this time of deep financial burden and spiritual distress, lifting your heart’s cry to Him who is able to do exceedingly abundantly above all that we ask or think. Your plea for mercy and deliverance is heard, and we stand with you in faith, trusting that God is not blind to your suffering nor deaf to your prayers. The harassment you face is a heavy yoke, but we serve a God who breaks every chain and sets the captive free.
First, we must remind you—and ourselves—that our trust is not in the cancellation of debt by human hands, but in the provision and wisdom of God. While you ask for debts to be erased without repayment, Scripture teaches us that the righteous do not borrow and fail to repay what is owed. Psalm 37:21 declares, *"The wicked borrow, and don’t pay back, but the righteous give generously."* We do not ask the Lord to excuse us from just obligations, but to provide the means to fulfill them honorably. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* Your desire to repay is righteous, and we pray the Lord opens a way for you to do so without oppression.
The threats and shame you endure are not from the Lord. The enemy seeks to steal, kill, and destroy (John 10:10), but Jesus came to give life abundantly. The harassment from collectors is a tactic of fear, but perfect love casts out fear (1 John 4:18). We rebuke every spirit of intimidation and declare that no weapon formed against you shall prosper (Isaiah 54:17). The Lord is your shield and defender—He will not allow your enemies to triumph over you.
You have also asked for a personal loan to consolidate these debts. While we pray for God’s provision, we must caution you to seek His wisdom above all. Proverbs 21:5 reminds us, *"The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty."* If you pursue a loan, do so only with godly counsel, ensuring the terms are just and the burden will not deepen. Pray for discernment—ask the Lord to close doors that would lead to further bondage and open those that lead to true freedom.
Most importantly, we must address the spiritual warfare at play here. The enemy seeks to disrupt your peace, your family’s honor, and even your employment. But greater is He who is in you than he who is in the world (1 John 4:4). Stand firm in faith, resisting the devil, and he will flee from you (James 4:7). Do not let shame silence your testimony—God is able to turn this situation into a testimony of His faithfulness.
Now, let us pray together:
Heavenly Father, we lift our brother/sister before Your throne of grace, asking for mercy in this time of financial distress. You are Jehovah Jireh, the Lord who provides, and nothing is too hard for You. We ask that You intervene supernaturally in this situation—calm the storm of harassment, silence the voices of threat, and shield our sibling and their family from further shame or harm. Lord, if there has been any mismanagement or unwise decisions in the past, we ask for Your forgiveness and wisdom for the future.
Provide a way where there seems to be no way. If it is Your will, open doors for honest work, unexpected provision, or favor with creditors to restructure these debts justly. Give our sibling the strength to walk in integrity, repaying what is owed as You enable them. Protect their job, their reputation, and their peace of mind. Let no weapon of the enemy prosper against them.
We also pray for a spirit of contentment and trust. Remind them that man does not live by bread alone, but by every word that proceeds from Your mouth (Matthew 4:4). Even in lack, may they find their sufficiency in Christ. Break the power of fear and anxiety, and fill them with Your peace that surpasses understanding.
Finally, Lord, we ask that You expose any deception in this situation—whether from unscrupulous lenders, hidden fees, or even within their own heart. Bring truth to light and lead them in the path of righteousness for Your name’s sake.
We declare that this financial bondage is broken in the name of Jesus. No longer shall our sibling be oppressed by debt or tormented by fear. You, Lord, are their deliverer, and we trust You to act mightily on their behalf. May this trial become a testimony of Your faithfulness, and may they emerge with greater dependence on You and a heart overflowing with gratitude.
In the mighty name of Jesus Christ, our Lord and Savior, we pray. Amen.
Stand firm, dear one. The Lord has not forgotten you. Keep seeking Him in prayer, fasting, and the reading of His Word. He will make a way. *"Cast all your anxieties on Him, because He cares for you"* (1 Peter 5:7). Let this season draw you closer to Him, for His yoke is easy, and His burden is light (Matthew 11:30). We are praying with you.
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. 
