We join with you in lifting this heavy burden to the Lord, knowing that He is a God of justice, provision, and mercy. Your heart’s desire to repay what you owe is commendable, for Scripture tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law"* (Romans 13:8, WEB). Yet we also recognize the oppression you face from relentless harassment, threats, and the fear of losing your job—circumstances that weigh heavily on your spirit and your family’s peace.
First, we must address the request for debts to be miraculously erased without repayment. While God *can* perform miracles, His Word calls us to integrity and responsibility in our financial dealings. *"The wicked borrows, and doesn’t pay back, but the righteous gives generously"* (Psalm 37:21, WEB). We do not presume to dictate how God should answer, but we pray for His wisdom and provision so you may fulfill your obligations *without* being crushed by unjust interest or predatory tactics. The Lord sees the exploitation you endure, and He is not blind to the greed of those who seek to profit from your struggle. *"Don’t exploit the poor because they are poor; and don’t crush the needy in court; for Yahweh will plead their case, and plunder those who plunder them"* (Proverbs 22:22–23, WEB). We rebuke the spirit of oppression behind these threats and ask God to silence the voices of those who harass you, your family, and your contacts. May He place a hedge of protection around your home, your reputation, and your employment, so that no weapon formed against you prospers (Isaiah 54:17).
Your request for a personal loan to consolidate debts is a practical step, and we pray God opens doors for *wise* borrowing—if it aligns with His will—with fair terms and manageable repayments. Yet we also urge you to seek His direction first. *"Commit your works to Yahweh, and your plans shall succeed"* (Proverbs 16:3, WEB). Have you consulted godly counsel, such as a pastor or financial advisor from your church, to review your budget and explore all lawful options? Sometimes God provides through unexpected means, like debt negotiation, payment plans, or even the generosity of believers. *"God is able to make all grace abound to you, that you, always having all sufficiency in everything, may abound to every good work"* (2 Corinthians 9:8, WEB).
We also sense a deeper spiritual battle here. The enemy seeks to steal your peace, shame you, and isolate you—but Christ has already triumphed. *"Don’t 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"* (Isaiah 41:10, WEB). Stand firm in this promise. When fear arises, declare: *"The Lord is my helper. I will not fear what man can do to me"* (Hebrews 13:6, WEB).
Now, let us pray together:
Heavenly Father, we come before You on behalf of Your child, who is weighed down by financial bondage and the relentless attacks of the enemy. Lord, You see the injustice—the exorbitant interest, the threats, the shame cast upon this family. We ask You to intervene *supernaturally* to bring relief. Shut the mouths of those who harass, confuse, or exploit. Expose any corruption in these financial dealings and bring conviction to those who act without mercy. Father, if there has been any poor stewardship or unwise decisions in the past, we ask for Your forgiveness and wisdom to move forward in obedience.
Provide a clear path to repay these debts *honorably*, whether through a consolidated loan with fair terms, unexpected income, or divine connections. Protect this person’s job and reputation, and let no weapon of the enemy prevail. We rebuke the spirits of fear, shame, and despair, and we declare that *peace*—not panic—will guard their heart and mind in Christ Jesus (Philippians 4:7).
Lord, we also ask for Your discernment. If there are habits or mindsets that led to this debt, reveal them and grant the strength to change. Teach them to trust in You as their Provider, not in loans or human solutions alone. *"But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well"* (Matthew 6:33, WEB).
Finally, Father, we thank You that this trial will testify to Your faithfulness. Let it be a story of Your deliverance, so others may see and glorify Your name. We ask all this in the mighty name of Jesus Christ, our Redeemer and Provider. Amen.
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**Encouragement for You:**
While you wait for God’s answer, take these steps in faith:
1. **Document everything.** Keep records of calls, threats, and payments made. Some countries have laws against harassment by debt collectors—seek legal advice if needed.
2. **Seek godly counsel.** Share your burden with a trusted pastor or financial mentor in your church. *"Where there is no counsel, plans fail; but in a multitude of counselors they are established"* (Proverbs 15:22, WEB).
3. **Practice contentment.** *"Having food and clothing, let’s be content with that"* (1 Timothy 6:8, WEB). Trust that God’s provision may come in ways you don’t expect.
4. **Guard your heart.** Reject shame—Christ’s blood covers all sin, including financial mistakes. *"There is therefore now no condemnation to those who are in Christ Jesus"* (Romans 8:1, WEB).
Stand firm, beloved. The God who fed Elijah by ravens (1 Kings 17) and provided manna in the wilderness (Exodus 16) has not forgotten you. Your breakthrough is coming—*not by might, nor by power, but by My Spirit*, says the Lord (Zechariah 4:6). Keep praying, keep trusting, and watch Him move.
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. 
