We come before the Father with you, lifting up your burdens and seeking His divine wisdom and provision in this time of financial distress. The weight of debt and the harassment you are facing are heavy, but we know that our God is a God of justice, mercy, and deliverance. He sees your heart’s desire to honor your obligations and to walk in integrity, and He promises to provide for His children. Let us first remind you of His Word, which speaks directly to your situation:
*"Don’t be anxious for anything, 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."* (Philippians 4:6-7, WEB)
You have done well to bring this before the Lord, acknowledging your need for His intervention. However, we must also address the request for debts to be miraculously erased without repayment. While God can do all things, His Word teaches us that we are to repay what we owe, as far as it depends on us. *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* (Romans 13:8, WEB) Our prayers should align with God’s principles of responsibility and honesty. We do not ask for debts to vanish without fulfillment, but rather for God’s provision to meet those obligations in a way that honors Him and brings peace to your life.
The harassment you are experiencing is grievous, and we stand with you in asking the Lord to intervene. The Bible assures us that God is our refuge and strength, a very present help in trouble. *"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 from me,” says Yahweh."* (Isaiah 54:17, WEB) We rebuke the spirit of harassment and fear in the name of Jesus, declaring that God will silence those who seek to oppress you unjustly. He will protect your job, your family, and your peace.
As for the personal loan you seek, we pray that God would open doors of favor and provision, but we also encourage you to seek wisdom in this decision. *"The rich rule over the poor. The borrower is servant to the lender."* (Proverbs 22:7, WEB) If God leads you to take a loan, we ask that He would grant you discernment to manage it wisely, ensuring that it does not become another snare. Trust in Him to provide in ways you cannot foresee—whether through unexpected income, favor with creditors, or divine connections that bring relief.
Now, let us pray together:
Heavenly Father, we lift our brother/sister before You, acknowledging their heart’s cry for deliverance from the burden of debt and the oppression of harassment. Lord, You know their desire to walk in integrity and to honor their commitments, and we ask that You would provide a way for them to repay what is owed in a manner that brings glory to Your name. Father, we ask that You would supernaturally intervene in this situation—silence the voices of those who seek to shame or threaten them, and protect their family, their home, and their employment. Let no weapon formed against them prosper, and let every tongue that rises in accusation be silenced by Your mighty hand.
Lord, if it is Your will, open doors for a personal loan with favorable terms, but guard their heart from entering into agreements that would bring further bondage. Provide for them in ways that exceed their expectations, whether through unexpected income, debt restructuring, or divine favor with those they owe. Give them wisdom to steward their finances according to Your Word, and grant them peace that surpasses all understanding as they trust in You.
We also pray that You would expose any areas where they may need to grow in financial stewardship or discipline. Teach them to live within their means, to save diligently, and to seek Your kingdom first, knowing that all things will be added unto them as they walk in obedience. Father, we rebuke the spirit of fear, shame, and anxiety that has sought to overwhelm them, and we declare that Your perfect love casts out all fear. Fill them with hope and confidence in Your provision, for You are Jehovah Jireh, the Lord who provides.
Finally, Lord, we ask that You would use this trial to draw them closer to You. Let them experience Your faithfulness in such a tangible way that their testimony becomes a beacon of Your goodness to others. May they emerge from this season stronger in faith, wiser in stewardship, and more dependent on You than ever before. We ask all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. Amen.
Brother/sister, we encourage you to continue seeking the Lord daily in prayer and in His Word. Trust that He is working behind the scenes, even when you cannot see the way forward. *"Commit your way to Yahweh. Trust also in him, and he will do this: he will bring out your righteousness as the light, and your justice as the noon day sun."* (Psalm 37:5-6, WEB) Stand firm in faith, and do not waver in believing that God will bring you through this trial victoriously. If you have not already, consider seeking godly counsel from a pastor or financial advisor who can help you create a plan to manage your debts wisely. You are not alone in this—the body of Christ stands with you, and our God is faithful to complete the work He has begun in 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. 
