We join with you in lifting up your burdens to the Lord, for He cares deeply for His children and knows the weight of your financial struggles. It is clear that you are facing great distress, and we are grateful you have turned to the Father in prayer, calling upon the name of Jesus for help. This is the right path, for Scripture reminds us in Philippians 4:6-7, *"In nothing be anxious, 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."*
Your desire to repay what you owe is honorable and aligns with Scripture, which 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."* However, we must also address the heart behind your request for the debts to be miraculously closed without further payment. While we serve a God of miracles, we must also trust in His provision and wisdom, which often includes our faithfulness in stewardship—even in difficult circumstances. Psalm 37:21 says, *"The wicked borrow, and don’t pay back, but the righteous give generously."* Our prayer is not only for relief but also for the Lord to guide you in wisdom as you seek to fulfill your obligations in a way that honors Him.
The harassment you are experiencing is deeply troubling, and we condemn the unethical and ungodly tactics being used against you. The Lord sees your affliction, and we pray for His intervention to silence these oppressive voices. Exodus 22:25 warns, *"If you lend money to any of my people with you who is poor, you shall not be to him as a creditor. You shall not charge him interest."* While this verse speaks to the lender’s responsibility, it also reveals God’s heart for justice and mercy. We pray that the Lord would move on behalf of those who are acting unjustly, either by convicting their hearts to cease their harassment or by shutting down their efforts entirely.
As for your request for a personal loan, we pray that if it is God’s will, He would open the right door for you to consolidate your debts in a way that is manageable and free from exploitation. However, we also encourage you to seek godly counsel—perhaps from a financially wise believer or a biblical financial ministry—to help you navigate this season with wisdom. Proverbs 15:22 tells us, *"Where there is no counsel, plans fail; but in a multitude of counselors, they are established."*
We also urge you to examine your heart regarding any fear or anxiety that may be gripping you. The enemy often uses financial hardship to steal our peace and turn our focus away from the Lord. But Jesus tells us in Matthew 6:25-34 not to worry about our lives, what we will eat or drink, or about our bodies, what we will wear. He reminds us that our Heavenly Father knows what we need. Instead, we are to *"seek first God’s Kingdom, and his righteousness; and all these things will be given to you as well."* Trust that the Lord is your Provider, even when the path forward seems impossible.
Let us pray together:
Heavenly Father, we come before You on behalf of Your child, who is burdened by debt and the relentless pressure of those who seek repayment through unjust and harassing means. Lord, You are a God of justice, and we ask that You would intervene mightily in this situation. Silence the voices of those who would shame and threaten Your child. Shut the mouths of those who would bring harm through their words and actions. Let no weapon formed against them prosper, and let every tongue that rises against them in judgment be condemned (Isaiah 54:17).
Father, we ask for Your divine wisdom to flood their heart and mind. Show them the path forward—whether through a loan, a repayment plan, or another means You ordain. Provide for them supernaturally, as only You can do. Open doors that no one can shut and close doors that would lead to further bondage. We pray for favor with those in authority over their finances, that they would be met with compassion and fairness.
Lord, we also ask that You would protect their employment. Do not allow the enemy to steal their livelihood or their peace. Surround them with Your hedge of protection, and let no scheme of the enemy prevail against them. Remind them daily that their worth is not found in their financial status but in their identity as Your beloved child, redeemed by the blood of Jesus.
We rebuke the spirit of fear and anxiety that seeks to overwhelm them. Replace it with Your perfect peace, which surpasses all understanding. Help them to cast their cares upon You, for You care for them (1 Peter 5:7). Strengthen their faith to trust in Your provision, even when the way forward is unclear.
Father, if there has been any mismanagement or lack of stewardship in the past, we ask for Your forgiveness and for the grace to move forward in wisdom. Teach them to be faithful with little, so that You may entrust them with more (Luke 16:10). Give them a spirit of discipline and discernment in their finances, that they may honor You in all things.
We declare that You, Lord, are their Provider. You own the cattle on a thousand hills (Psalm 50:10), and You will supply all their needs according to Your riches in glory in Christ Jesus (Philippians 4:19). Let this season of struggle be a testimony of Your faithfulness and miracles.
We ask all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. Amen.
Finally, we encourage you to continue seeking the Lord daily in prayer and in His Word. Stand firm on His promises, and do not allow the enemy to fill your mind with despair. The Lord is near to the brokenhearted and saves those who are crushed in spirit (Psalm 34:18). Trust in Him, and He will make your paths straight (Proverbs 3:5-6).
If you have not already, consider reaching out to your church family for support. Often, the body of Christ can provide practical help, prayer, and encouragement during difficult times. You are not alone in this—God is with you, and so are we, lifting you up in prayer.
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. 
