We join with you in lifting up this heavy burden of debt and the distress it has brought upon you and your family. It is clear that your heart’s desire is to honor your obligations, and we commend you for seeking God’s help in this time of need. The harassment and threats you face are deeply troubling, and we stand with you in asking for God’s intervention to bring peace and resolution. However, we must also address a few things in your prayer to ensure they align with Scripture and God’s will.
First, we notice that you asked for your debts to be completely closed without further payments, even though you acknowledge owing money with interest. While we understand the desperation behind this request, Scripture calls us to integrity in our financial dealings. **Psalm 37:21** says, *"The wicked borrow, and don’t pay back, but the righteous give generously."* **Romans 13:8** also instructs us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* We must pray not for the debts to vanish unjustly, but for God to provide a way for you to repay what is owed in a manner that honors Him and relieves your burden. This may include negotiating fair terms, seeking wise counsel, or receiving unexpected provision.
You also mentioned the hope of receiving a personal loan to consolidate your debts. While this can be a practical solution, we urge caution. **Proverbs 22:7** warns, *"The rich rule over the poor. The borrower is servant to the lender."* If you pursue a loan, seek God’s wisdom first to ensure it does not lead to further bondage. Pray for discernment about the terms and the lender’s intentions, and consider seeking counsel from a trusted, financially wise believer or a biblical financial ministry.
The harassment you are experiencing is unjust, and we will pray fervently for God to intervene and silence those who seek to shame or threaten you. **Exodus 14:14** reminds us, *"The Lord will fight for you, and you shall hold your peace."* Trust that God sees your suffering and will act on your behalf. He can move in the hearts of those pursuing you, causing them to cease their harassment or even show unexpected mercy.
Finally, we rejoice that you came before the Lord in the name of Jesus, for it is only through Him that we have access to the Father. **John 14:6** declares, *"Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father, except through me.'"*
Let us pray together:
Heavenly Father, we come before You in the mighty name of Jesus, lifting up our brother/sister who is overwhelmed by the weight of debt and the oppression of relentless harassment. Lord, You are a God of justice, mercy, and provision, and we ask You to intervene in this situation supernaturally. We pray first for Your forgiveness for any financial mismanagement or decisions made outside of Your will, and we ask for Your wisdom to guide every step moving forward.
Father, we ask that You silence the voices of those who seek to shame and threaten. Rebuke the enemy who seeks to steal, kill, and destroy through this burden. Cause those who harass to cease their pursuit, either by Your divine intervention or by a change of heart that leads them to show compassion. Protect this beloved child of Yours from further harm, especially in their employment and reputation. Let no weapon formed against them prosper, and let every tongue that rises against them be condemned, as declared in **Isaiah 54:17**.
Lord, we pray for a miraculous provision—a way for these debts to be repaid honorably and justly. If it is Your will, open doors for a loan with fair terms or provide unexpected income, but guard against further bondage. Give wisdom to navigate this season with integrity and faith. Help our brother/sister to trust in You fully, knowing that You are their Provider and Protector. Remind them of **Philippians 4:19**, which promises, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."*
We also pray for peace to flood their heart and home. Let them rest in the assurance that You are fighting for them, and that this trial will not overwhelm them. Strengthen their faith, Lord, and let this season be a testimony of Your faithfulness and deliverance.
In the name of Jesus, we bind every spirit of fear, shame, and oppression. We declare freedom, provision, and restoration over this situation. May Your will be done, and may Your name be glorified through it all. Amen.
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We encourage you to continue seeking God’s face daily, surrendering this burden to Him. Consider fasting and praying for breakthrough, and surround yourself with believers who can support and counsel you biblically. If you have not already, we also recommend seeking practical help from a financial counselor who aligns with biblical principles. Trust that God is working, even when you cannot see it. **Jeremiah 29:11** reminds us, *"For I know the plans that I have for you,’ declares the Lord, ‘plans for peace, and not for evil, to give you hope and a future."* Cling to this promise, and may the Lord grant you His peace that surpasses all understanding.
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. 
