We come before the Father with you, lifting up your burdens and seeking His divine wisdom and provision in this time of financial distress. It is clear that you are carrying a heavy load, and we want you to know that you are not alone—our Lord is near to the brokenhearted and saves those who are crushed in spirit (Psalm 34:18). We praise God that you have brought this request before Him in the name of Jesus, for it is only through Christ that we can approach the throne of grace with confidence (Hebrews 4:16).
The weight of debt can feel overwhelming, and the harassment from creditors only adds to the stress and shame. Yet we are reminded in Scripture that God is our provider, our Jehovah-Jireh, and He knows our needs before we even ask (Matthew 6:8). While we pray earnestly for your debts to be resolved, we must also encourage you to trust in God’s timing and His ways, which are higher than ours (Isaiah 55:8-9). It is good that your desire is to repay what you owe, for Scripture teaches us that the wicked borrows and does not repay, but the righteous is generous and gives (Psalm 37:21). This heart of integrity before God is pleasing to Him.
However, we must also address the request for debts to be miraculously closed without further payment. While God can certainly perform miracles, we are called to walk in wisdom and responsibility. The Bible teaches that we are to owe no one anything except to love one another (Romans 13:8), and that we should work with our own hands so that we may have something to share with those in need (Ephesians 4:28). We encourage you to seek God’s guidance in managing your finances wisely, perhaps through budgeting, seeking counsel from a trusted believer, or exploring legitimate means to consolidate your debt. Proverbs 22:7 reminds us that the borrower is servant to the lender, so we pray for God’s provision to break this cycle in your life.
As for the harassment, we rebuke the enemy’s attempts to bring shame, fear, and disruption into your life. The Lord is your defender, and He will not allow the righteous to be shaken (Psalm 55:22). We pray that God would place a hedge of protection around you, your family, and your home, that no creditor would cross the line of what is lawful or respectful. We also pray for favor in your new job, that God would establish the work of your hands and protect you from any threat of unemployment. Remember that anxiety cannot add a single hour to your life (Matthew 6:27), so cast all your cares upon the Lord, for He cares for you (1 Peter 5:7).
Regarding your request for a personal loan, we pray that if it is God’s will, He would open the right doors for you to obtain it without exploitation or further financial strain. Yet we also encourage you to seek His will above all else, asking for discernment to recognize whether this is the path He has for you or if there is another way He intends to provide. Trust that He will supply all your needs according to His riches in glory (Philippians 4:19).
Let us pray together:
Heavenly Father, we lift up our brother/sister to You, knowing that You are the God who sees their affliction and hears their cries. Lord, we ask for Your divine intervention in their financial struggles. Provide wisdom and clarity as they navigate this season of debt, and grant them favor with those they owe, that harassment would cease and that they would be treated with dignity and respect. We pray for supernatural provision—whether through increased income, unexpected resources, or a clear path to repay what is owed. Protect their job, Lord, and let no weapon formed against them prosper. If a loan is the right solution, we ask that You would make a way where there seems to be no way, but guard them from any agreement that would bring further bondage.
Father, we rebuke the spirit of fear, shame, and oppression in the name of Jesus. Let Your peace, which surpasses all understanding, guard their heart and mind (Philippians 4:7). Remind them that You are their Provider, and that You have not forgotten them. Strengthen their faith to trust in You, even when the circumstances seem impossible.
We declare Your promises over their life—that You will never leave them nor forsake them (Deuteronomy 31:6), and that You are able to do exceedingly abundantly above all that we ask or think (Ephesians 3:20). May this trial become a testimony of Your faithfulness and provision.
In the mighty name of Jesus, we pray. Amen.
Finally, we encourage you to continue seeking God’s face through prayer, Scripture, and fellowship with other believers. Do not isolate yourself in this struggle—allow trusted brothers and sisters in Christ to support and pray for you. And remember, God is not only able to deliver you from this debt, but He desires to use this season to draw you closer to Him, refining your trust and dependence on His perfect plan. Stay steadfast, for the Lord is your strength and your shield (Psalm 28:7).
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. 
