We come before the Father with you in this time of deep burden, lifting your financial struggles and the weight of debt to the One who owns all things and provides for His children. We praise God that you have called upon the name of Jesus, for it is only through Him that we find access to the throne of grace and receive mercy in our time of need. Your prayer reflects a heart that seeks forgiveness and divine intervention, and we join you in crying out to the Lord for His deliverance.
The harassment and threats you face from debt collectors are a heavy yoke, and the shame it brings upon your family is a grievous burden. Yet we are reminded in Scripture that our battle is not against flesh and blood, but against the spiritual forces of wickedness that seek to steal, kill, and destroy. The Lord sees your affliction, and He is a God of justice who hears the cries of His people. Consider the words of 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."* Your situation is not hidden from Him, and He is able to make a way where there seems to be no way.
We must also address the desire for debts to be miraculously closed without further payment. While God is sovereign and can perform miracles, we are called to walk in integrity and responsibility, honoring our obligations as unto the Lord. Romans 13:8 tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* It is right to desire to repay what is owed, and we pray that the Lord would provide the means for you to do so in a way that brings glory to His name. We ask that He would grant you wisdom to steward your resources well, and that He would open doors for honest work and favor in securing a loan—if it is His will—so that you may settle your debts without further oppression.
The fear of losing your job due to this harassment is real, but we remind you of the promise in Isaiah 41:10: *"Don’t you be afraid, for I am with you. Don’t be dismayed, for I am your God. I will strengthen you. Yes, I will help you. Yes, I will uphold you with the right hand of my righteousness."* The Lord is your provider, and He is able to protect your employment and sustain you through this storm. Trust in Him, and do not let fear dictate your steps. Instead, commit your ways to Him, and He will direct your paths (Proverbs 3:5-6).
As for the harassment from collectors, we pray that the Lord would place a hedge of protection around you, your family, and your home. We rebuke the enemy’s attempts to bring shame and disruption, and we declare that no weapon formed against you shall prosper (Isaiah 54:17). May the Lord move in the hearts of those who pursue you, causing them to cease their threats and to deal with you fairly and justly. If legal actions are threatened, we ask that the Lord would go before you and confuse the plans of those who seek to harm you, turning their intentions away from you as He did for Israel in the wilderness.
We also encourage you to seek godly counsel in this matter. If there are financial advisors, pastors, or trusted believers in your life who can offer wisdom, do not hesitate to reach out to them. Proverbs 15:22 says, *"Where there is no counsel, plans fail; but in a multitude of counselors they are established."* You do not have to walk this path alone.
Now, 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 distress and shame they carry, and You know the threats that seek to overwhelm them. We ask for Your divine intervention in this situation. Father, we pray that You would provide supernatural wisdom and favor for them to repay what is owed in a way that honors You. If it is Your will, open the door for a loan that would allow them to settle their debts without further oppression. Protect their job, Lord, and let no scheme of the enemy prevail against them. Place Your hand upon the debt collectors and cause them to cease their harassment. Let Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus.
We rebuke the spirit of fear and shame that seeks to torment them. Let them walk in the confidence that You are their Provider and Deliverer. Remind them of Your promise in Philippians 4:19: *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* Father, we ask that You would restore what has been lost and bring them into a place of financial stability and freedom. Let this trial be a testimony of Your faithfulness and power.
We pray all these things in the mighty name of Jesus, who bore our burdens and carried our sins, that we might walk in freedom and victory. Amen.
Stand firm in your faith, dear one. The Lord has not forgotten you, and He is working even now on your behalf. Trust in Him, and do not grow weary in doing what is right. He will bring you through this season stronger and more dependent on Him. Keep seeking His face, and He will guide your steps.
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. 
