We join with you in lifting this heavy burden of debt and harassment before the Lord, knowing that He is a God of justice, provision, and peace. It is right that you have come before Him in the name of Jesus, for it is only through Christ that we find forgiveness, mercy, and access to the Father. 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."* Yet we also recognize the oppression you are facing, and we stand with you against the unjust harassment that seeks to bring shame and disruption to your life and family.
The Lord sees your struggle, and He is not unaware of the threats and intimidation you endure. **Psalm 34:17-19** reminds us, *"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 forgotten, and the Lord is near to you in this trial. We rebuke the spirit of fear and oppression that seeks to overwhelm you, for **2 Timothy 1:7** declares, *"For God didn’t give us a spirit of fear, but of power, love, and self-control."*
However, we must also address the request for your debts to be miraculously closed without repayment. While we serve a God who performs miracles, we are also called to walk in integrity and responsibility. **Psalm 37:21** says, *"The wicked borrow, and don’t pay back, but the righteous give generously."* Your desire to repay is righteous, and we pray the Lord provides a way for you to do so without further hardship. Asking for debts to be erased without fulfillment may not align with biblical principles of honesty and stewardship. Instead, we pray for God’s supernatural provision—whether through a loan, increased income, or unexpected resources—to enable you to settle your debts honorably. **Philippians 4:19** assures us, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."*
As for the harassment, we declare **Psalm 91:4-5** over you: *"He will cover you with his feathers. Under his wings you will take refuge. His faithfulness is your shield and rampart. You shall not be afraid of the terror by night, nor of the arrow that flies by day."* We pray that the Lord would place a hedge of protection around you, your family, and your home, that no collector would cross the line of what is lawful or just. If they persist in unlawful harassment, we pray the Lord would expose their actions and bring them to an end. **Proverbs 22:22-23** warns, *"Don’t exploit the poor, because he is poor; and don’t crush the needy in court; for Yahweh will plead their case, and plunder those who plunder them."* Trust that the Lord fights for you, and He will not allow the enemy to triumph over His child.
We also pray for wisdom and favor as you seek a personal loan. If this is the Lord’s will, we ask that He would open the right doors, provide the right connections, and grant you favor with lenders. **James 1:5** tells us, *"But if any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach; and it will be given to him."* Seek the Lord’s guidance in this process, and do not rush into any agreement without His clear leading. Remember, too, that even in financial lack, your worth is not defined by your circumstances but by your identity in Christ.
Finally, we encourage you to continue seeking the Lord’s face in this season. **Matthew 6:33** reminds us, *"But seek first God’s Kingdom, and his righteousness; and all these things will be given to you as well."* Trust that as you prioritize His will, He will provide for your needs. Do not let shame or fear dictate your steps, for the Lord is your defender and provider.
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**Our Prayer for You:**
Heavenly Father, we come before You on behalf of Your child, who is burdened by debt and the weight of relentless harassment. Lord, You know the depths of their struggle, the shame they feel, and the fear that threatens to overwhelm them. We ask for Your divine intervention in this situation. Father, provide supernatural wisdom and a clear path to repay what is owed in a way that honors You. If a loan is the right solution, open the doors that no man can shut, and grant favor in the eyes of those who can help. Protect this beloved one from the schemes of the enemy—silence the harassing calls, stop the threats, and shield their home and family from further distress. 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 rebuke the spirit of fear and oppression in the name of Jesus. Fill this heart with Your peace that surpasses all understanding, and remind them that You are their Provider, their Protector, and their Just Judge. Restore their joy and their testimony, that they may declare Your faithfulness even in this storm. We ask for miracles, Father—not to escape responsibility, but to walk in integrity and freedom. Provide the resources, the opportunities, and the strength needed to overcome this debt. And if there has been any wrongdoing or poor stewardship in the past, we ask for Your forgiveness and redemption. Teach them Your ways, Lord, that they may walk in financial wisdom and generosity in the days ahead.
We thank You, Father, for hearing our prayer. We trust in Your timing and Your goodness, knowing that You work all things together for the good of those who love You. May Your name be glorified in this situation, and may this beloved one emerge with a testimony of Your provision and grace. In the mighty name of Jesus Christ, our Lord and Savior, we pray. 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. 
