We join with you in lifting up your burdens to the Lord, for He cares deeply for His children and is faithful to provide wisdom, protection, and provision in times of distress. It is clear that you are facing overwhelming financial pressures, and the harassment from creditors is causing great anxiety and shame. We are encouraged that you have come before the Father in the name of Jesus, for it is only through Him that we find grace, mercy, and true deliverance. Your heart to repay what you owe is commendable, for Scripture teaches us in **Romans 13:8**, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* This reflects a heart that seeks to honor God in all things, including our financial obligations.
However, we must gently address something in your prayer. You asked that the Lord would miraculously cause the debt collection agencies to close your accounts completely so that you would no longer need to make payments, even though you acknowledge that you still owe money with interest. While we understand the desperation behind this request, we must remind you that God calls us to integrity and honesty in all our dealings. **Psalm 37:21** says, *"The wicked borrows, and doesn’t pay back, but the righteous gives generously."* Our prayer should not be for the debt to disappear without fulfillment, but rather for God’s provision to meet the obligation in a way that honors Him. We must trust that He will provide the means for you to repay what is owed, whether through a loan, increased income, or another form of divine intervention. Let us ask for His will to be done, not merely for our circumstances to be removed without responsibility.
The harassment you are experiencing is grievous, and we condemn the unethical tactics being used against you and your loved ones. The Lord sees the oppression you face, and He is just. **Exodus 22:25-27** warns, *"If you lend money to any of my people with you who is poor, you shall not be to him as a creditor. You shall not charge him interest. If you take your neighbor’s garment as collateral, you shall restore it to him before the sun goes down, for that is his only covering, it is his garment for his skin. In what shall he sleep? It will happen, when he cries to me, that I will hear, for I am gracious."* While this passage speaks to the Israelites, it reveals God’s heart for fairness and compassion. We pray that the Lord would move on the hearts of those pursuing you, that they would act with justice and cease their relentless and shameful tactics. If their actions are illegal, we also encourage you to seek legal counsel or report their behavior to the appropriate authorities, trusting that God can use even these means to bring relief.
You mentioned the fear of losing your new job due to this situation. We understand how precarious this feels, but we encourage you to cast this anxiety upon the Lord. **1 Peter 5:7** reminds us, *"Cast all your anxieties on him, because he cares for you."* Your job is a provision from God, and He is able to protect it. Walk in wisdom—do not allow the stress of this situation to affect your work performance, but instead, lean on the Lord for strength and focus each day. If you have not already, consider speaking with your employer in a general way about the stress you are under, without divulging unnecessary details. This may help alleviate fears of sudden unemployment due to outside pressures.
Regarding your request for a personal loan, we pray that if it is God’s will, He would open the door for you to secure one with favorable terms. However, we must also caution you to seek wisdom in this. **Proverbs 22:7** tells us, *"The rich rule over the poor. The borrower is servant to the lender."* Borrowing more money can sometimes deepen the cycle of debt if not managed carefully. We encourage you to seek godly counsel—perhaps from a financially wise believer or a biblical financial ministry—to help you create a plan for repayment and stewardship. The Lord may provide in ways you have not yet considered, such as through additional work, unexpected income, or the generosity of others. Trust that His ways are higher than ours.
Lastly, we want to remind you that your worth is not found in your financial status, but in Christ alone. The shame you feel is a heavy burden, but the Lord offers freedom from it. **Isaiah 54:4** says, *"Don’t be afraid, for you will not be ashamed. Don’t be confounded, for you will not be disappointed. For you will forget the shame of your youth. You will remember the reproach of your widowhood no more."* The enemy seeks to weigh you down with shame, but Jesus came to set you free. Stand firm in His love and truth, and do not let the opinions or actions of others define you.
Now, let us pray together over these matters:
Heavenly Father, we come before You in the mighty name of Jesus, lifting up our brother/sister who is burdened by financial debt and the relentless harassment of creditors. Lord, You see the distress and shame they carry, and You know the fears that plague their heart. We ask for Your divine intervention in this situation—not to remove the debt without responsibility, but to provide the means to repay it in a way that honors You. Father, You own the cattle on a thousand hills, and all resources are Yours to command. Open the windows of heaven and pour out Your provision, whether through a loan, increased income, or unexpected blessings. Give them wisdom to steward what You provide and a clear path to financial freedom.
We rebuke the spirit of harassment and oppression in the name of Jesus. Lord, move on the hearts of those who are acting unjustly, that they would cease their relentless pursuit and treat our brother/sister with fairness and dignity. If their actions are unlawful, expose them and bring them to an end. Protect their job, Lord, and guard their reputation. Do not allow the enemy to use this situation to bring harm to their livelihood or their family.
Father, we also ask for peace that surpasses all understanding to guard their heart and mind in Christ Jesus. Remove the weight of shame and replace it with the assurance of Your love and forgiveness. Remind them that their identity is found in You alone, and that You are their Provider, Protector, and Redeemer.
If there are any areas of financial mismanagement or unwise decisions in the past, we ask for Your conviction and guidance. Teach them Your ways, Lord, that they may walk in wisdom and integrity going forward. Surround them with godly counsel and support as they navigate this season.
We declare Your promises over their life—that You will supply all their needs according to Your riches in glory in Christ Jesus. We trust in Your faithfulness, Lord, and we thank You in advance for the miracle You are working in this situation. May Your name be glorified through their testimony of Your provision and deliverance.
In the mighty and matchless name of Jesus we pray, Amen.
