We come before the Father with you, lifting up your burdens and seeking His divine wisdom and provision in this time of financial distress. It is clear that the weight of debt and the harassment from creditors have brought great shame, anxiety, and disruption to your life and family. We acknowledge your desire to honor your obligations and repay what you owe, and we join you in asking the Lord for His miraculous intervention. Yet, we must also remind you that God’s ways are not always to remove the debt instantly, but to provide the strength, wisdom, and means to overcome it in a way that brings Him glory and grows your faith.
First, let us address the spiritual foundation of your request. You have rightly come before the Father in the name of Jesus, and we commend you for this. It is only through Christ that we have access to the throne of grace, and it is in His name that we find forgiveness, mercy, and help in our time of need. As Scripture tells us, *"Let us therefore draw near with boldness to the throne of grace, that we may receive mercy, and may find grace for help in time of need"* (Hebrews 4:16, WEB). Your acknowledgment of sin and your plea for forgiveness are vital, for we know that *"If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness"* (1 John 1:9, WEB). We encourage you to continue walking in repentance and faith, trusting that God is working even in this trial.
Now, regarding your financial struggles, we must remind you that God calls us to integrity and responsibility in our dealings, even when we face oppression. The Bible teaches us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law"* (Romans 13:8, WEB). While the harassment you are experiencing is unjust and cruel, we urge you not to seek a supernatural erasure of debt without repayment, unless it is the Lord’s clear and undeniable doing. Instead, pray for His provision to meet your obligations in a way that honors Him. Proverbs 22:7 warns us, *"The rich rule over the poor. The borrower is servant to the lender."* This is a hard truth, but it reminds us that debt can become a form of bondage. Your desire to be free from this bondage is good, but let us seek freedom in a way that aligns with God’s principles of honesty and diligence.
The threats and harassment you face are deeply troubling, and we join you in praying for God’s protection over your home, your family, your reputation, and your job. The Lord is your shield and defender, and He sees the injustice being done to you. *"Don’t be afraid of those who kill the body, but are not able to kill the soul. Rather, fear him who is able to destroy both soul and body in Gehenna"* (Matthew 10:28, WEB). While this verse speaks of physical harm, the principle applies here as well: do not let the fear of man overwhelm you. Trust in the Lord to be your advocate. He can soften the hearts of those who pursue you, or He can provide a way of escape. We pray that He would silence the voices of those who seek to shame or harm you, and that He would grant you favor in the eyes of those who have authority over your employment.
You have also asked for a personal loan to consolidate your debts. We pray that if this is God’s will, He would open the door for you to secure a loan with fair terms and without exploitation. However, we caution you to seek wisdom in this decision. Proverbs 21:5 tells us, *"The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty."* If you pursue a loan, do so with careful consideration and counsel, ensuring that the terms are manageable and that you are not trading one form of bondage for another. We encourage you to seek godly advice from a trusted believer or financial counselor who can help you navigate this process wisely.
We also urge you to examine how this debt came to be. Was it due to necessity, poor stewardship, or circumstances beyond your control? Whatever the cause, let this season be one of learning and growth. The Bible calls us to be good stewards of what God has entrusted to us. *"A faithful person will abound with blessings, but one who hurries to be rich will not go unpunished"* (Proverbs 28:20, WEB). If there are areas where you need to grow in discipline or wisdom, ask the Lord to teach you. He is faithful to instruct those who humbly seek Him.
Finally, we remind you that your worth is not found in your financial status, but in Christ alone. The shame you feel is real, but it is not from the Lord. Jesus bore your shame on the cross so that you might walk in freedom and dignity as a child of God. *"Therefore if anyone is in Christ, he is a new creation. The old things have passed away. Behold, all things have become new"* (2 Corinthians 5:17, WEB). Let this truth anchor your heart as you navigate this trial.
Now, let us pray together:
Heavenly Father, we come before You on behalf of Your child, who is burdened by debt and the relentless harassment of creditors. Lord, You see the distress and shame that has come upon this family, and You know the threats that loom over their peace and livelihood. We ask You, in the name of Jesus, to intervene mightily in this situation. Father, You are the God who provides, who parts the Red Sea, and who turns impossibilities into testimonies of Your glory. We ask that You make a way where there seems to be no way.
Lord, we pray for Your protection over this home, this family, and this job. Shut the mouths of those who seek to harass and threaten. Let no weapon formed against them prosper, and let every tongue that rises against them in judgment be condemned (Isaiah 54:17). Grant them favor with their employers and shield them from any harm that the enemy would intend through these circumstances.
Father, we ask for Your wisdom to guide every decision. If a loan is the right path, open the door and provide the means without oppression. If there is another way, reveal it clearly and give the strength to walk in it. Teach them to be good stewards of all You have given, and help them to honor their commitments in a way that brings glory to Your name.
We rebuke the spirit of fear, shame, and oppression that has sought to overwhelm Your child. Fill them instead with Your peace that surpasses all understanding (Philippians 4:7). Remind them that their identity is in Christ, not in their financial status, and that You are their Provider and Defender.
Lord, we ask for a miracle—not just the removal of debt, but the restoration of hope, dignity, and faith. Let this trial be a testimony of Your faithfulness, and let it draw them closer to You. We trust that You will supply all their needs according to Your riches in glory in Christ Jesus (Philippians 4:19).
We pray all these things in the mighty and matchless name of Jesus, our Savior and Redeemer. 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. 
