We come before the Father with you, lifting up your burdens and heartaches over this financial debt that has brought such distress to your life and family. The weight of harassment, shame, and the fear of losing your job is heavy, but we serve a God who is greater than any debt or threat. You have done well to bring this before Him, acknowledging your need for His divine intervention.
The Scriptures remind us that God is our Provider and our Refuge in times of trouble. In Philippians 4:19, we are assured, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* And in Psalm 34:17-19, we read, *"The righteous cry, and Yahweh hears, and delivers them out of all their troubles. Yahweh is near to those who have a broken heart, and saves those who have a crushed spirit. Many are the afflictions of the righteous, but Yahweh delivers him out of them all."* Your cry has not gone unheard, and we trust that the Lord will make a way where there seems to be no way.
Yet we must also address the heart behind your request for the debts to be "closed completely" so that you no longer need to make payments. While we understand the desperation behind this plea, Scripture is clear about our responsibility to repay what we owe. Romans 13:7-8 states, *"Give therefore to everyone what you owe: taxes to whom taxes are due; customs to whom customs are due; respect to whom respect is due; honor to whom honor is due. Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* It is not God’s will for debts to be erased without fulfillment, as this would be unjust to those owed. Instead, we pray for His provision so that you may repay what is rightfully due, not in your own strength, but through His supernatural supply.
The harassment you are facing is grievous, and we rebuke the spirit of fear and intimidation that seeks to overwhelm you. The Lord is your Defender, and He sees the threats against you and your family. Exodus 14:14 declares, *"Yahweh will fight for you, and you shall be still."* We pray that every unlawful and unethical tactic used against you would be exposed and stopped. May the Lord place a hedge of protection around your home, your job, and your reputation, silencing every voice that seeks to bring shame or harm. If there are legal actions being threatened unjustly, we ask that the Lord would confuse the plans of those who seek to harm you, just as He did with the enemies of His people in the days of old.
You have also asked for a personal loan to consolidate and repay your debts. We pray that if this is God’s will, He would open the right door for you to secure a loan with fair terms and without exploitation. However, we caution you to seek wisdom in this decision, as taking on more debt to repay debt can sometimes deepen the cycle. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* We encourage you to seek godly counsel—perhaps from a trusted believer or a financial advisor who honors biblical principles—to help you navigate this path wisely. The Lord may also lead you to alternative solutions, such as increased income, unexpected provisions, or even the generosity of others.
Most importantly, we remind you that your worth is not found in your financial status but in Christ alone. The shame you feel is not from the Lord. He does not condemn you, though He calls you to stewardship and integrity. 1 John 1:9 assures us, *"If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness."* If there has been poor stewardship or decisions that led to this debt, repent and trust that God’s grace is sufficient to restore you. He is the God of redemption, and He can turn this situation around for His glory.
Let us pray together:
Heavenly Father, we lift up our brother/sister to You, knowing that You are the God who sees their affliction and hears their cry. Lord, we ask for Your divine intervention in this financial storm. You are Jehovah Jireh, the Lord who provides, and we trust You to make a way where there seems to be no way. Father, we pray that You would supernaturally provide the means for every debt to be repaid in full, according to Your will and in Your timing. Close the mouths of those who harass and threaten, and let Your peace guard their heart and mind in Christ Jesus.
Lord, if it is Your will, open the door for a loan or another solution that would allow for these debts to be consolidated and repaid without further bondage. Give wisdom and discernment to avoid any snares of the enemy, and let Your Spirit lead every decision. We rebuke the spirit of fear, shame, and desperation, and we declare that Your perfect love casts out all fear. Let Your light shine into every dark corner of this situation, exposing any injustice and bringing forth Your justice and mercy.
Father, we also pray for protection over their job, their family, and their reputation. Let no weapon formed against them prosper, and let every tongue that rises against them be condemned. Surround them with Your favor as with a shield, and let Your peace, which surpasses all understanding, guard their heart and mind.
Most of all, Lord, we pray that through this trial, their faith would be strengthened, and their testimony would bring glory to Your name. Let them experience Your faithfulness in such a way that they can declare, "The Lord is my helper; I will not be afraid. What can man do to me?" (Hebrews 13:6).
We ask all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. 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. 
