We come before the Father with you in this time of deep financial burden, lifting your heart’s cry to Him who is able to do exceedingly abundantly above all that we ask or think. Your desire to repay what you owe is honorable, and we commend you for seeking God’s will in this trial. The Scriptures remind us in **Romans 13:8**, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* Your heart to fulfill your obligations aligns with God’s Word, and we trust He will provide a way for you to do so without compromise.
Yet we must also address the request for debts to be miraculously erased without repayment. While God *can* supernaturally intervene in any way He chooses, His Word calls us to integrity in our dealings—even in hardship. **Psalm 37:21** declares, *"The wicked borrow, and don’t pay back, but the righteous give generously."* We do not presume to dictate how God should act, but we pray for His wisdom and provision so that you may repay justly, not merely for debts to vanish, for that would not reflect the righteousness He calls us to. Instead, we ask the Lord to open doors for honest labor, favor in negotiations, and even unexpected resources to meet these obligations in a way that glorifies Him.
The harassment you face is grievous, and we rebuked the spirit of fear and oppression in Jesus’ name. **1 Peter 5:7** tells us to *"cast all your worries on him, because he cares for you."* The threats against your livelihood and peace are not from God, and we stand against them in prayer. May the Lord silence the voices of those who seek to shame or intimidate you, granting you protection over your home, job, and reputation. If legal actions are unjust, we pray for divine intervention to expose truth and bring justice. If there has been any wrongdoing on your part—even unintentionally—we ask for the Lord’s conviction and a path to make things right, for **Proverbs 28:13** says, *"He who conceals his sins doesn’t prosper, but whoever confesses and renounces them finds mercy."*
Regarding your request for a personal loan, we pray for God’s direction. If this is His will, may He provide the right lender with fair terms, but we also caution against rushing into further debt without clear wisdom. **Proverbs 22:7** warns, *"The rich rule over the poor. The borrower is servant to the lender."* Seek the Lord’s counsel first—perhaps through godly advisors in your church—before committing to new obligations. Trust that if a loan is His provision, He will make the way plain; if not, He will supply another means.
Most importantly, we rejoice that you’ve come before the Father *in the name of Jesus*. There is no other name by which we are saved, and no other mediator between God and man (**1 Timothy 2:5**). Your faith in Christ is your anchor, and we declare **Philippians 4:19** over you: *"My God will supply every need of yours according to his riches in glory in Christ Jesus."*
**Let us pray:**
Heavenly Father, we lift our brother/sister to You, acknowledging that all provision comes from Your hand. You see the weight of this debt, the shame of harassment, and the fear of loss. We ask for Your supernatural peace to guard their heart and mind in Christ Jesus (**Philippians 4:7**). Lord, if there has been any mismanagement or sin in this situation, convict and correct with Your gentle hand. Grant wisdom to navigate repayments, favor with creditors, and protection over their home and employment. Shut the mouths of those who seek to exploit or shame them, and let no weapon formed against them prosper (**Isaiah 54:17**).
If a loan is Your will, open the door without hidden snares. If another path is better, reveal it clearly. Above all, remind them that their worth is not in their finances but in Christ, who became poor that they might become rich (**2 Corinthians 8:9**). Break the spirit of fear and replace it with trust in You. We declare that this trial will testify to Your faithfulness, and that one day soon, they will stand debt-free, giving You all the glory.
In the mighty name of Jesus, who calmed storms and fed multitudes with nothing, we pray. **Amen.**
**Encouragement for You:**
Sibling in Christ, this season is not forever. The God who fed Elijah by ravens (**1 Kings 17:6**) and provided manna in the wilderness (**Exodus 16**) has not forgotten you. Walk in obedience—even if repayments must be slow—and trust Him to multiply your efforts. Avoid the temptation to despair or to seek "quick fixes" outside His will. Lean on your church family; there is no shame in asking for prayer or practical help. And remember: **"The Lord is close to the brokenhearted, and saves those who are crushed in spirit"** (**Psalm 34:18**). Your testimony of His deliverance is being written even now. Stand firm.
