We join with you in lifting up this heavy burden of debt and harassment, knowing that our Heavenly Father cares deeply for your well-being and desires to bring peace to your situation. It is good that you have come before Him in the name of Jesus, for He alone is our Mediator and the source of all provision. We are reminded of Philippians 4:6-7, which says, *"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 heart’s desire to repay what you owe is honorable and aligns with Scripture, for Romans 13:8 tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."*
However, we must gently address something in your request: asking God to supernaturally erase your debts so that you no longer need to repay them does not align with biblical principles of integrity and responsibility. Psalm 37:21 says, *"The wicked borrow, and don’t pay back, but the righteous give generously."* While we understand the desperation behind this plea, we encourage you to trust God to provide the *means* to repay your debts rather than seeking their complete removal without fulfillment. Proverbs 3:5-6 reminds us, *"Trust in Yahweh with all your heart, and don’t lean on your own understanding. In all your ways acknowledge him, and he will make your paths straight."* This includes trusting Him to guide you in managing your finances wisely and to open doors for honest work and provision.
The harassment you are facing is grievous, and we rebuke the enemy’s attempts to bring shame, fear, and instability into your life. The Bible assures us in 1 Peter 5:7 to *"cast all your anxieties on him, because he cares for you."* While creditors may act harshly, remember that their authority is limited by God’s sovereignty. We pray that He would place a hedge of protection around you, your family, and your job, that no weapon formed against you would prosper (Isaiah 54:17). If threats continue, seek godly counsel—perhaps from your church or a Christian financial advisor—on how to legally and biblically address these pressures. Do not let fear silence you, but act in wisdom and faith.
Regarding your request for a personal loan, we pray that if it is God’s will, He would provide favor with lenders—*but only if it aligns with His plan for your financial freedom and does not lead you into further bondage*. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* We ask the Lord to grant you discernment: if a loan is not the best path, may He provide alternative solutions, such as increased income, reduced expenses, or even unexpected provisions. Remember the story of the widow’s oil in 2 Kings 4:1-7—God multiplied what little she had to pay her debts. He can do the same for you in ways you cannot yet see.
Lastly, we encourage you to examine your heart and habits regarding finances. Were these debts incurred through necessity, poor stewardship, or unforeseen circumstances? Luke 14:28-30 teaches us to count the cost before undertaking obligations, and Proverbs 21:20 says, *"There is precious treasure and oil in the dwelling of the wise, but a foolish man swallows it up."* If repentance or change is needed in how you manage money, ask the Lord to teach you. He is faithful to instruct those who seek His wisdom (James 1:5).
Now, let us pray together:
Heavenly Father, we come before You on behalf of Your child, who is weighed down by the burden of debt and the oppression of harassment. Lord, You see their heart’s desire to honor You by repaying what is owed, and we ask You to provide supernaturally for their needs. Open doors of opportunity for work, wisdom in financial management, and favor where it is needed. Protect them from the schemes of the enemy, who seeks to bring shame and fear. Silence the voices of those who would threaten or harass, and grant peace to their home and family. If a loan is not Your will, Lord, provide another way—multiply their resources as only You can do. Teach them Your ways of stewardship, that they may walk in financial freedom and be a testimony of Your faithfulness. Rebuke the devourer in their finances, and let no weapon formed against them prosper. Above all, Father, draw them closer to You in this trial, that they may know Your provision and trust Your timing. We ask this in the mighty name of Jesus Christ, our Provider and Redeemer. Amen.
Stand firm in faith, brother or sister. God is not unaware of your struggle, and He will make a way. Keep seeking Him first (Matthew 6:33), and trust that He will supply all your needs according to His riches in glory (Philippians 4:19). Walk in integrity, and let this season refine your dependence on Him. 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. 
