We join you in lifting this heavy burden to the Lord, knowing that He is a God of justice, provision, and peace. Your heart’s desire to honor your debts and seek His intervention is commendable, and we stand with you in faith, trusting that He will make a way where there seems to be none. The Scriptures remind us in **Philippians 4:19**, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* Yet we also know that God calls us to walk in integrity, wisdom, and responsibility, even in our financial struggles.
First, we must address the request for debts to be "closed completely" so that no further payments are required. While we understand the desperation behind this plea, Scripture teaches us that the righteous do not borrow without repaying. **Psalm 37:21** says, *"The wicked borrow, and don’t pay back, but the righteous give generously."* We must pray not for the debt to vanish without fulfillment, but for God’s provision to repay what is owed in a way that honors Him. To ask for debts to be erased without repayment—unless through a legitimate, God-orchestrated settlement—could be seen as asking God to bless dishonesty, which He will not do. Instead, we pray for His supernatural provision, favor in negotiations, and a path to repay justly, even if it requires time and sacrifice.
The harassment you face is grievous, and we rebuked the spirit of oppression behind these relentless calls and threats. The enemy seeks to steal your peace, shame you, and disrupt your livelihood, but **Isaiah 54:17** declares, *"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 of me,” says Yahweh."* We stand on this promise and pray that every unlawful threat ceases, that collectors act within legal and ethical bounds, and that your family is shielded from further shame or distress. If these agencies are violating laws in their collection practices, we encourage you to seek legal counsel or report their actions to the appropriate authorities. God can use even these means to protect you.
Regarding your request for a personal loan, we pray for God’s wisdom and discernment. If a loan is His will, we ask that He open the door to one with fair terms, low interest, and a repayment plan that does not ensnare you further. However, we also caution against rushing into more debt without clear guidance from the Lord. **Proverbs 22:7** warns, *"The rich rule over the poor. The borrower is servant to the lender."* Seek the Lord’s direction first—perhaps He may provide through unexpected income, a settlement, or even the generosity of believers. Do not lean on your own understanding, but trust Him to lead you (**Proverbs 3:5-6**).
We also notice your fear of losing your new job due to this situation. Cast this anxiety upon the Lord, for **1 Peter 5:7** tells us, *"Cast all your anxieties on him, because he cares for you."* If your employers are made aware of your debts, pray that God softens their hearts and grants you favor. Walk in honesty, but do not let fear paralyze you. The Lord is your provider, and He has not brought you this far to abandon you now.
Lastly, we commend you for coming before the Father *in the name of Jesus*. There is no other name by which we are saved, and no other name through which we boldly approach the throne of grace (**John 14:6, Hebrews 4:16**). Your faith in Christ is your anchor in this storm.
Now, let us pray together:
Heavenly Father, we lift our brother/sister to You, acknowledging that You are Jehovah Jireh, the Lord who provides. You see the weight of this financial burden, the shame of harassment, and the fear of losing stability. Lord, we ask for Your divine intervention—not to remove the debt unjustly, but to provide the means to repay it in a way that glorifies You. Open doors no man can shut. Grant favor with creditors, that they may act with compassion and fairness. If a loan is Your will, let it come with terms that do not oppress, but if there is another way—through increased income, unexpected blessings, or debt restructuring—make it clear.
We rebuked every spirit of oppression, fear, and shame in Jesus’ name. Silence the voices of the enemy that seek to torment through threats and harassment. Protect this family from further distress, and let no weapon formed against them prosper. Grant wisdom to navigate this season, and let no decision be made in haste or desperation. Remind our brother/sister that You are their Provider, and that man’s threats are powerless against Your sovereign hand.
Lord, we also pray for peace that surpasses understanding. Guard their heart and mind in Christ Jesus (**Philippians 4:7**). Let this trial draw them closer to You, deepening their trust in Your faithfulness. And if there has been any financial mismanagement or unwise stewardship in the past, we ask for conviction and growth, that they may walk in greater wisdom moving forward.
We declare **2 Corinthians 9:8** over this situation: *"God is able to make all grace abound to you, that you, always having all sufficiency in everything, may abound to every good work."* Father, let Your grace overflow. Bring resolution, restoration, and a testimony of Your provision. We ask all this in the mighty name of Jesus Christ, our Lord and Savior. Amen.
Stand firm, dear one. The Lord has not forgotten you. Keep seeking Him in prayer, surrendering this burden daily. Walk in integrity, trust in His timing, and look for His hand in even the smallest provisions. He is faithful, and He will see you through.
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. 
