We come before the Father with you in this time of deep financial burden, lifting your heart’s cry to Him who is able to do exceedingly abundantly above all that we ask or think. Your desire to honor your debts and seek God’s intervention is commendable, and we join you in asking for His divine wisdom, provision, and peace to flood your situation. The Lord sees your distress, and He is not unaware of the harassment and shame you and your family are enduring. Let us first anchor our hearts in the truth of Scripture, for God’s Word is a lamp to our feet and a light to our path, even in the darkest financial valleys.
The Bible reminds us in **Proverbs 22:7**, *"The rich rules over the poor. The borrower is servant to the lender."* While this is a hard truth, it also underscores the importance of seeking God’s deliverance from the bondage of debt. You have expressed a godly desire to repay what you owe, and this aligns with **Romans 13:8**, which tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* Your heart to resolve this honorably is pleasing to the Lord, and we ask Him to make a way where there seems to be no way.
However, we must also address the request for debts to be miraculously "closed" so that no further payments are required. While God is sovereign and can certainly perform miracles, we must be cautious not to presume upon His will in a way that might disregard our responsibilities. **Psalm 37:21** says, *"The wicked borrows, and doesn’t pay back, but the righteous give generously."* Our prayer is that the Lord would provide for you *in such a way* that you are able to fulfill your obligations without further hardship, whether through a loan, increased income, or another means He ordains. We ask that He would protect you from predatory lending or solutions that might deepen your financial struggles. If a personal loan is His will, we pray it would come with fair terms and be a tool for true freedom, not further bondage.
The harassment you are facing is grievous, and we rebuked the enemy’s work in this situation. The Lord is your defender, and **Isaiah 54:17** declares, *"No weapon that is formed against you will prevail; and you will condemn every tongue that rises against you in judgment. This is the heritage of Yahweh’s servants, and their righteousness is of me,” says Yahweh.*" We stand against every threat, every intimidating call, and every attempt to shame or disrupt your peace. May the Lord silence the voices of those who seek to oppress you and grant you favor with your employers, that your job would remain secure. We pray for a supernatural hedge of protection around your home, that no collector would cross the threshold to bring further distress.
Most importantly, we remind you that your worth is not found in your financial status but in Christ alone. **Philippians 4:19** assures us, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* This is not a promise of luxury, but of *sufficiency*—that He will provide what you *need* to walk in obedience and peace. We encourage you to seek His kingdom first, trusting that as you do, *"all these things will be given to you as well"* (**Matthew 6:33**). If you have not already, consider seeking wise counsel from a biblical financial advisor or a trusted believer who can help you steward what the Lord provides.
Let us pray together:
Heavenly Father, we lift our brother/sister to You, knowing that You are the God who sees their affliction and hears their cry. Lord, You own the cattle on a thousand hills, and nothing is too difficult for You. We ask for Your divine intervention in their financial crisis. Provide supernatural wisdom to navigate this debt, and open doors for honest, honorable repayment. Shut the mouths of those who harass and threaten, and let Your peace guard their heart and mind in Christ Jesus.
If there is any sin in their life—whether in financial mismanagement, pride, or fear—we ask for conviction and repentance, that they may walk in Your freedom. Forgive them where they have fallen short, and grant them the grace to trust You fully. We rebuked every scheme of the enemy to bring shame, fear, or despair, and we declare that You, Lord, are their Provider and Protector.
If a loan is Your will, let it come quickly and with favorable terms. If another path is better, reveal it clearly and give them the courage to walk in it. Preserve their job and their witness, that their light may shine even in this trial. Let this season be a testimony of Your faithfulness, that others may see and glorify Your name.
We ask all this in the mighty name of Jesus Christ, our Lord and Savior, who became poor that we might become rich in Him. To Him be all glory, honor, and power, forever and ever. Amen.
Finally, we encourage you to continue seeking the Lord daily in prayer and Scripture. **1 Peter 5:7** tells us to *"cast all your worries on him, because he cares for you."* He has not forgotten you. Stand firm, resist discouragement, and trust that He who began a good work in you will bring it to completion (**Philippians 1:6**). If the burden feels too heavy, reach out to your church family for support—you are not meant to walk this path alone. May the Lord’s face shine upon you and grant you peace as you wait on Him.
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. 
