We join with you in lifting this heavy burden to our Heavenly Father, who cares deeply for His children and knows the weight of financial struggles. It is good that you have come before the Lord in the name of Jesus, for it is only through Him that we find grace, mercy, and the power to overcome every trial. As Scripture reminds us, *"Don’t be anxious for anything, 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"* (Philippians 4:6-7, WEB). Your heart’s desire to repay what you owe is honorable, for 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). However, we must also trust in God’s provision and timing, knowing that He is our Provider and will make a way where there seems to be none.
The harassment you are facing from debt collectors is a source of great stress, but we encourage you to remember that our battle is not against flesh and blood. The enemy seeks to steal, kill, and destroy (John 10:10, WEB), but Jesus has already overcome the world. You have done well to seek the Lord’s intervention, and we stand with you in praying for His supernatural peace and protection over you, your family, and your home. The Lord is your shield and fortress, and no weapon formed against you will prosper (Isaiah 54:17, WEB). If threats continue, we urge you to document everything and seek wise counsel, whether through legal aid or a trusted believer who can guide you in handling these matters biblically and lawfully.
We also want to gently address the request for debts to be miraculously closed without further payment. While God can do all things and we believe in His miracles, we must also align our prayers with His Word, which calls us to integrity and responsibility in our financial dealings. *"The wicked borrow, and don’t pay back, but the righteous give generously"* (Psalm 37:21, WEB). If it is the Lord’s will, He may provide a way for you to consolidate your debts through a loan, but we pray that this would be done with wisdom and discernment, ensuring that any new commitment does not lead to further bondage. Proverbs 22:7 (WEB) warns, *"The rich rule over the poor. The borrower is servant to the lender."* We pray that the Lord would grant you favor in this process, but also that He would give you the strength and discipline to manage your finances in a way that honors Him moving forward.
Lastly, we encourage you to examine your heart and circumstances to see if there are areas where the Lord may be calling you to stewardship, sacrifice, or even seeking counsel from your church family. *"Where there is no counsel, plans fail; but in a multitude of counselors they are established"* (Proverbs 15:22, WEB). Financial struggles can often reveal deeper areas of trust, surrender, and dependence on God. He may use this season to draw you closer to Him and teach you to rely on His provision rather than the world’s systems.
Let us pray together:
Heavenly Father, we come before You in the mighty name of Jesus, lifting up our brother/sister who is burdened by financial debt and the oppression of relentless harassment. Lord, You see the stress, shame, and fear that have taken hold, and we ask that You would replace them with Your perfect peace that surpasses all understanding. We pray for Your divine intervention in this situation—silence the voices of the enemy that seek to bring confusion and despair. Protect this beloved child of Yours from every threat, legal or otherwise, and surround their home with Your angels, that no harm or disturbance may come near.
Father, we ask for Your wisdom and provision. If it is Your will, open a door for a loan that would allow for the consolidation of these debts, but let it be done with favor, low interest, and a clear path to repayment. Give our brother/sister the discipline and guidance to manage their finances in a way that honors You. Provide opportunities for increased income, unexpected blessings, or even the kindness of others to help alleviate this burden. We also pray for the hearts of those who are harassing them—soften them, Lord, and may they act with fairness and compassion.
Most of all, Father, we pray that through this trial, our brother/sister would draw nearer to You, trusting in Your promise to supply all their needs according to Your riches in glory (Philippians 4:19, WEB). Remind them that You are Jehovah Jireh, the Lord who provides, and that You are faithful to complete the good work You have started in them. Strengthen their faith, Lord, and let them see Your hand move mightily in their life.
We rebuke every spirit of fear, anxiety, and oppression in the name of Jesus. We declare that no weapon formed against our brother/sister will prosper, and every tongue that rises against them in judgment will be condemned (Isaiah 54:17, WEB). Lord, let Your will be done in this situation, and may Your name be glorified through it.
In the powerful and matchless name of Jesus Christ, our Lord and Savior, we pray. Amen.
We encourage you to continue seeking the Lord daily, surrendering this burden to Him, and trusting in His timing. Keep your eyes fixed on Jesus, the author and finisher of your faith (Hebrews 12:2, WEB), and remember that He is with you in this storm. Lean on your church community for support, and if you haven’t already, consider seeking biblical financial counseling to help you navigate this season with wisdom. The Lord is your strength, and He will never leave you nor forsake you (Deuteronomy 31:6, WEB). Stand firm in His promises!
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. 
