We join with you in lifting up this burden of debt and the distress it has brought upon you and your family. It is clear that this situation weighs heavily on your heart, and we commend you for seeking the Lord’s intervention, for He is the God who provides, protects, and delivers His children from their troubles. You have come before Him in the name of Jesus, and that is the only name by which we can approach the throne of grace with confidence. Your faith in calling upon Him is a testament to your trust in His power to act on your behalf, and we stand with you in this.
The harassment you are facing from debt collectors is a tactic of the enemy to bring shame, fear, and discord into your life. But the Word of God reminds us in **Isaiah 54:17**, *“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.* You are not without defense, for the Lord is your shield and your strong tower. The threats and intimidation you face are not beyond His control. We pray that God would silence the voices of those who seek to oppress you, that He would confuse their plans, and that He would bring an end to their relentless pursuit. May He place a hedge of protection around you, your family, and your home so that no one may come to bring further distress.
You have expressed a desire to repay what you owe, and this aligns with the heart of God, for **Psalm 37:21** tells us, *“The wicked borrow, and don’t pay back, but the righteous give generously.”* Your willingness to honor your commitments is a reflection of your integrity, and we pray that God would open a way for you to fulfill this desire without further hardship. However, we must also address the request for your debts to be completely closed without further payment, as if they had never existed. While we serve a God of miracles who can do exceedingly abundantly above all we ask or think, we must also recognize that His ways are higher than ours. His miracles often come in the form of provision, wisdom, and unexpected opportunities rather than simply erasing our responsibilities. **Proverbs 22:7** reminds us that *“The rich rule over the poor. The borrower is servant to the lender.”* God may choose to deliver you from this bondage in a way that brings Him glory while also teaching you and others the value of stewardship and trust in Him.
You have also asked for a personal loan to consolidate your debts. We pray that if this is God’s will, He would open the right doors for you to secure the funds you need without predatory terms or further financial strain. But we also encourage you to seek His wisdom in this matter. **James 1:5** says, *“But if any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach; and it will be given to him.”* Ask the Lord to guide you to the right solution—whether it be through a loan, a unexpected provision, or a structured plan to repay what you owe over time. Trust that He will provide the wisdom and resources you need, even if it does not come in the way you expect.
The fear of losing your job due to this harassment is a real and valid concern. We pray that God would protect your employment, that He would give you favor in the eyes of your employers, and that He would shield you from any repercussions caused by the actions of these debt collectors. **Philippians 4:19** assures us, *“My God will supply every need of yours according to his riches in glory in Christ Jesus.”* He is not unaware of your situation, and He will not abandon you in it. Lean on Him, and trust that He will make a way where there seems to be no way.
We must also address the shame you mentioned. Shame is a tool of the enemy to isolate you and make you feel unworthy of God’s love and help. But **Romans 8:1** declares, *“There is therefore now no condemnation to those who are in Christ Jesus, who don’t walk according to the flesh, but according to the Spirit.”* You are forgiven, you are loved, and you are not defined by your debt. The Lord sees your heart, and He is working all things together for your good. Cast this shame upon Him, for He cares for you.
Lastly, we encourage you to examine how this debt came to be and to seek God’s wisdom in managing your finances moving forward. **Proverbs 21:20** says, *“There is precious treasure and oil in the dwelling of the wise, but a foolish man swallows it up.”* If there were spending habits, lack of planning, or unwise decisions that contributed to this situation, ask the Lord to reveal them to you and to give you the discipline to walk in financial wisdom. Consider seeking counsel from a trusted believer or financial advisor who can help you create a plan to avoid future debt. Stewardship is a biblical principle, and God honors those who manage their resources faithfully.
Now, let us pray together over this situation:
Heavenly Father, we come before You on behalf of Your child who is burdened by the weight of financial debt and the oppression of relentless harassment. Lord, You are the God who sees and the God who acts. We ask that You would intervene in this situation with Your mighty hand. Silence the voices of those who seek to shame and threaten, and put an end to their relentless pursuit. Protect this family from further distress, and let no weapon formed against them prosper. We pray that You would provide a way for every debt to be repaid in a manner that brings glory to Your name and relief to Your servant.
Father, if it is Your will, open the doors for the necessary funds to consolidate these debts without further hardship. Give wisdom and discernment to navigate this process, and protect against any predatory or ungodly terms. We ask that You would also protect their employment, that no harm would come to their job or reputation because of this situation. Let Your favor rest upon them, and let Your peace guard their hearts and minds.
Lord, we rebuke the spirit of shame and fear that has sought to take hold. Remind Your child that they are forgiven, loved, and redeemed by the blood of Jesus. Let them walk in the confidence of Your provision and the assurance that You are working all things for their good. Teach them, Lord, in the area of stewardship. Show them how to manage their resources in a way that honors You and prevents future bondage.
We thank You, Father, for Your faithfulness. You are not a man that You should lie, and Your promises are true. We trust that You will make a way where there seems to be no way, and that You will turn this situation around for Your glory. Strengthen their faith, Lord, and let them see Your hand move mightily in their life. We ask all these things in the powerful 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. 
