We join with you in lifting up this heavy burden of debt and harassment, knowing that our Heavenly Father cares deeply about your struggles and longs to bring you peace and provision. Your heart to repay what you owe is honorable, and we commend you for seeking God’s wisdom and intervention in this difficult season. Let us first remind you of God’s promise in Philippians 4:19, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* He is faithful, and He sees your distress.
The harassment and threats you are facing are unjust, and we pray that God would silence the voices of those who seek to shame or intimidate you. The Bible reminds us in Psalm 34:17-19, *"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."* You are not alone in this—God is your defender, and He will fight for you. We pray that every unlawful or oppressive tactic used against you would be exposed and stopped, and that those who harass you would be convicted by the Holy Spirit to act with fairness and compassion.
We also recognize your desire for a miracle to close these accounts without further payment, and while God can certainly perform miracles, we must also align our prayers with His Word. Romans 13:8 tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* Our prayer is that God would provide a way for you to honorably repay what you owe, not to be freed from the responsibility of repayment unless it is His sovereign will. We ask that He would open doors for you to consolidate your debts in a way that is manageable, whether through a personal loan with fair terms or another provision you have not yet considered. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* We pray that God would break this cycle in your life and restore you to a place of financial freedom, where you are no longer bound by the stress of debt.
Your concern for your job and the well-being of your family is understandable, and we pray for God’s protection over your employment. We ask that He would shield you from any attempts to sabotage your livelihood and that He would grant you favor with your employers. Colossians 3:23 reminds us, *"Whatever you do, work heartily, as for the Lord, and not for men."* We pray that your work would be a testimony of God’s faithfulness, and that He would use it as a means to provide for your needs.
We also encourage you to seek wise counsel in this matter. Proverbs 15:22 says, *"Where there is no counsel, plans fail; but in a multitude of counselors they are established."* Consider speaking with a trusted pastor, financial advisor, or a biblical counselor who can help you navigate this situation with godly wisdom. If legal action is threatened, seek guidance to ensure your rights are protected.
Most importantly, we remind you that your worth is not found in your financial status but in your identity as a child of God. Jesus said in Matthew 6:31-33, *"Therefore don’t be anxious, saying, ‘What will we eat?’ ‘What will we drink?’ or, ‘With what will we be clothed?’ For the Gentiles seek after all these things; for your heavenly Father knows that you need all these things. But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well."* We pray that you would experience the peace of God that surpasses all understanding (Philippians 4:7) as you trust Him to provide.
Let us pray together:
Heavenly Father, we come before You on behalf of Your child who is burdened by debt and the weight of harassment. Lord, You see the stress, the shame, and the fear that has taken hold, and we ask that You would intervene mightily in this situation. We pray that You would silence the voices of those who seek to oppress and that You would bring an end to the relentless calls and threats. Father, we ask that You would expose any unjust practices and cause those who harass to act with fairness and integrity.
Lord, we lift up the desire of this heart to be free from debt, and we ask that You would provide a way for every obligation to be met honorably. If it is Your will, open the door for a personal loan with favorable terms, or provide another means of consolidation that would ease this burden. We pray for supernatural provision—whether through unexpected income, wise financial decisions, or the generosity of others—that would allow for these debts to be repaid without further hardship.
We ask for Your protection over this individual’s job and reputation. Do not allow the enemy to use this situation to bring harm or instability. Instead, let this season be a testimony of Your faithfulness and provision. Restore peace to their home and shield their family from the stress and shame that debt can bring.
Father, we also pray for wisdom. Guide this person to the right counselors, advisors, or resources that can help navigate this financial challenge. Give them discernment in every decision, and let them walk in the confidence that You are their Provider.
Above all, we pray that their faith would be strengthened through this trial. Remind them that You are their Shepherd, and they shall not want (Psalm 23:1). Let them experience Your peace that guards their heart and mind in Christ Jesus. We rebuke the spirit of fear and anxiety and declare that You, Lord, are their refuge and strength, a very present help in trouble (Psalm 46:1).
We ask all these things in the mighty name of Jesus Christ, our Lord and Savior, who has overcome the world and holds all things in His hands. May Your will be done, and may Your name be glorified through this situation. 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. 
