We come before the Father with you, lifting up your burdens and heart’s cry for deliverance from this financial bondage. You have done well to seek God’s face in repentance and humility, acknowledging your need for His divine intervention. The weight of debt and the harassment you face are heavy, but we serve a God who is mighty to save and who promises to provide for His children. Let us first address your heart’s posture before the Lord, for Scripture reminds us in **Philippians 4:6-7 (WEB)**, *"In nothing be anxious, but in everything, by prayer and petition with thanksgiving, let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus."*
We commend you for desiring to repay what you owe, for the Bible clearly teaches that we are to honor our debts. **Romans 13:8 (WEB)** says, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* However, we must also address the request for your debts to be miraculously closed without further payment, as if they had never existed. While God *can* perform miracles, we must be cautious not to presume upon His will or seek to avoid the responsibility He has placed upon us. The Lord often works *through* our obedience, wisdom, and diligence—not by removing all consequences of our actions, but by granting us the strength, provision, and favor to overcome them. Your prayer for a personal loan to consolidate and repay your debts is a more biblical approach, as it seeks a *means* to fulfill your obligation rather than an escape from it.
The harassment you face is unjust, and we join you in asking the Lord to intervene. **Proverbs 22:7 (WEB)** tells us, *"The rich rules over the poor. The borrower is servant to the lender."* While this is a hard truth, it does not mean God abandons us in our struggles. He sees the oppression you endure, and we ask Him to silence the voices of those who seek to shame or threaten you. **Psalm 107:6 (WEB)** declares, *"Then they cried to Yahweh in their trouble, and he delivered them out of their distresses."* 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 into unlawful harassment, and that your job would remain secure. If threats continue, we encourage you to seek legal counsel or report abuses to the proper authorities, for God often uses such means to bring justice.
We also urge you to examine how this debt came to be. Was it through necessity, poor stewardship, or circumstances beyond your control? The Lord calls us to walk in wisdom with our finances. **Proverbs 21:20 (WEB)** says, *"There is precious treasure and oil in the dwelling of the wise, but a foolish man swallows it up."* If spending habits or lack of planning contributed to this burden, ask the Lord for wisdom to manage your resources differently moving forward. **Luke 14:28 (WEB)** reminds us, *"For which of you, desiring to build a tower, doesn’t first sit down and count the cost, to see if he has enough to complete it?"* Stewardship is a spiritual discipline, and we pray the Lord would teach you—and all of us—to handle money in a way that honors Him.
Most importantly, we rejoice that you have come to the Father *in the name of Jesus*. There is no other name by which we are saved, and no other name by which we can boldly approach the throne of grace. **John 14:6 (WEB)** declares, *"Jesus said to him, ‘I am the way, the truth, and the life. No one comes to the Father, except through me.’"* Your faith in Christ is your greatest asset, and we pray it would grow stronger through this trial. Remember that even in financial lack, your worth is not found in your bank account but in your identity as a child of God.
Now, let us pray together:
Heavenly Father, we lift our brother/sister before You, burdened by debt and the weight of harassment. Lord, You see the shame and fear they carry, and You know the threats that seek to steal their peace. We ask You, in the mighty name of Jesus, to intervene supernaturally in this situation. Shut the mouths of those who would oppress them, and let no weapon formed against them prosper. If there has been any wrongdoing or unwise stewardship, we ask for Your forgiveness and wisdom to walk differently.
Provide a way where there seems to be no way, Lord. If it is Your will, open the door for a loan to consolidate these debts, but let it be done with favor and without predatory terms. Give them discernment to recognize Your provision and the discipline to manage it well. Protect their job, their home, and their reputation. Let no collector overstep legal boundaries, and grant them the courage to stand firm in truth.
Most of all, Father, we ask that You would use this trial to draw them closer to You. Remind them that man does not live by bread alone, but by every word that proceeds from Your mouth. Let them find their security in You, not in financial comfort. Strengthen their faith, Lord, and let this season be a testimony of Your faithfulness.
We rebuke the spirit of fear and shame in Jesus’ name. You are a God who redeems, and we trust You to bring beauty from these ashes. May Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus.
We ask all this in the powerful and holy name of Jesus, our Provider and Deliverer. 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. 
