We come before the Father with you, lifting up your burdens and seeking His divine wisdom and provision over this financial trial. It is clear that this debt has brought great distress, shame, and fear into your life, and we stand with you in prayer, asking God to move mightily in this situation. You have done well to bring this before the Lord, acknowledging your need for His forgiveness and intervention—this is the first step toward true peace.
The Bible reminds us in **Proverbs 22:7 (WEB)**, *"The rich rules over the poor. The borrower is servant to the lender."* Debt can feel like a heavy yoke, but we serve a God who breaks chains and provides a way out. However, we must also remember that God calls us to integrity and responsibility in our dealings. **Psalm 37:21 (WEB)** says, *"The wicked borrows, and doesn’t pay back, but the righteous give generously."* While you desire for these debts to be miraculously erased, we must also pray for wisdom in how to honorably fulfill your obligations, trusting that God will provide the means.
You have mentioned the harassment from collectors, and we rebuked this spirit of oppression in the name of Jesus. The enemy seeks to steal, kill, and destroy (John 10:10), but we declare that no weapon formed against you shall prosper (Isaiah 54:17). The threats of legal action and contact with your family are tactics of fear, but we stand on **2 Timothy 1:7 (WEB)**, which tells us, *"For God didn’t give us a spirit of fear, but of power, love, and self-control."* We pray that God would silence these voices, either by softening the hearts of those pursuing you or by providing a supernatural resolution that brings glory to His name.
You have also asked for a personal loan to consolidate these debts. While we pray for God’s provision, we must also seek His wisdom. **James 1:5 (WEB)** 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."* Before taking on new debt, we encourage you to seek godly counsel—perhaps from a trusted believer or financial advisor within the church—to ensure that any new agreement aligns with God’s will and does not lead to further bondage. Proverbs 15:22 (WEB) says, *"Where there is no counsel, plans fail; but in a multitude of counselors they are established."*
We also address the desire for these debts to be completely closed without further payment. While we believe in miracles, we must also align our prayers with God’s character. He is a God of justice and righteousness, and while He may supernaturally intervene, He also calls us to walk in integrity. **Romans 13:8 (WEB)** instructs, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* If God provides a loan or another means of repayment, we pray you would use it wisely and honorably, ensuring that every obligation is met in a way that glorifies Him.
Lastly, we must address the fear of losing your job due to this situation. We declare **Philippians 4:19 (WEB)** over you: *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* No scheme of the enemy will prevail against God’s plan for your life. He is your Provider (Genesis 22:14), and He will not abandon you. We pray for favor in your workplace, that your employers would see your diligence and value, and that this trial would not become a stumbling block but a testimony of God’s faithfulness.
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**Let us pray together:**
Heavenly Father, we come before You on behalf of Your child, who is burdened by the weight of debt and the oppression of relentless pursuit. Lord, You see the shame, the fear, and the desperation in their heart, and we ask that You would lift this burden in a way that brings glory to Your name. Father, we rebuked every spirit of harassment, fear, and manipulation that has come against them. Silence the voices of the enemy and let Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus (Philippians 4:7).
Lord, we ask for Your divine intervention in this financial crisis. If it is Your will, provide a way for these debts to be settled honorably—whether through a loan, a supernatural provision, or a restructuring that brings relief. Give wisdom to know the right steps to take and the discernment to recognize Your hand at work. We pray for favor with those who hold these debts, that their hearts would be softened and that they would deal justly and mercifully.
Father, protect their employment and their reputation. Do not allow the enemy to use this situation to bring further harm. Instead, let this trial be a testimony of Your faithfulness and provision. Restore what has been lost, and let Your child walk in the freedom that comes from trusting in You.
We declare that no weapon formed against them shall prosper, and every tongue that rises against them in judgment, You shall condemn (Isaiah 54:17). Let Your justice prevail, and let Your mercy triumph over this situation.
Finally, Lord, we pray for a spirit of contentment and trust. Remind them that You are their Shepherd, and they shall lack nothing (Psalm 23:1). Let them not be anxious about tomorrow, for You already know their needs (Matthew 6:32-33). Strengthen their faith, and let them see Your hand move in mighty ways.
We ask all these things in the powerful name of Jesus Christ, our Lord and Savior, who has overcome the world. 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. 
