We join with you in lifting this heavy burden to our Heavenly Father, knowing that He cares deeply for your struggles and longs to bring you peace and provision. Your heart to repay what you owe is honorable, and we commend you for seeking God’s will in this difficult season. Let us first remind you of the truth found in **Philippians 4:19 (WEB)**, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* Your need is not hidden from Him, and He is faithful to provide a way where there seems to be none.
We also recognize the distress caused by the harassment and threats you are facing. The Bible tells us in **1 Peter 5:7 (WEB)**, *"casting all your worries on him, because he cares for you."* You do not have to carry this alone—God sees the injustice and the shame being brought upon you and your family. He is a God of justice, and we pray that He would intervene to silence the voices of those who seek to oppress you. May He place a hedge of protection around your home, your reputation, and your employment, so that no weapon formed against you shall prosper (**Isaiah 54:17**).
At the same time, we must address a concern in your prayer. You asked that your debts be completely closed without further payment, stating that you have already paid more than you borrowed. While we understand the desperation behind this request, we must gently remind you that the Bible calls us to integrity in all things, including our financial obligations. **Psalm 37:21 (WEB)** says, *"The wicked borrows, and doesn’t pay back, but the righteous gives generously."* Even when lenders act unjustly or charge excessive interest, our responsibility before God is to fulfill our commitments as much as we are able. We do not ask God to remove the debt without repayment, but rather to provide the means for you to repay it in a way that honors Him. Trust that He can make a way for you to settle your debts without compromising your integrity or your witness.
You also mentioned seeking a personal loan to consolidate your debts. We pray that if this is God’s will, He would open the right door for you—one that does not lead to further bondage but to true freedom. **Proverbs 22:7 (WEB)** warns, *"The rich rule over the poor. The borrower is servant to the lender."* We ask the Lord to grant you wisdom in this decision, so that any solution you pursue aligns with His perfect plan for your life. If a loan is not His will, may He provide another way—perhaps through increased income, unexpected provisions, or even the compassion of those you owe.
Lastly, we want to encourage you to stand firm in faith, refusing to let fear dictate your steps. The threats you face are real, but our God is greater. **2 Timothy 1:7 (WEB)** reminds us, *"For God didn’t give us a spirit of fear, but of power, love, and self-control."* Do not allow the enemy to steal your peace or your hope. Instead, fix your eyes on Jesus, who is able to do exceedingly abundantly above all that we ask or think (**Ephesians 3:20**).
Now, let us pray together for you:
Heavenly Father, we come before You on behalf of Your child, who is weighed down by the burden of debt and the oppression of relentless harassment. Lord, You see the tears, the shame, and the fear that have taken hold, and we ask that You would move mightily in this situation. We rebuked the spirit of fear and oppression in the name of Jesus, commanding it to flee from this household. Replace it with Your peace, which surpasses all understanding, guarding every heart and mind in Christ Jesus (**Philippians 4:7**).
Father, we ask for Your divine intervention in the financial struggles being faced. Provide supernatural wisdom and favor as steps are taken to resolve these debts. If it is Your will, open the door for a loan that will bring relief without further hardship—but only if it aligns with Your perfect plan. If there is another way, Lord, reveal it clearly. We pray for unexpected provision, for doors of opportunity to earn and save, and for the grace to repay what is owed with integrity. Let no man’s hand be against this family, but turn the hearts of creditors to show mercy and patience.
We also pray for protection over this individual’s job and reputation. Do not allow the enemy to use this situation to bring further harm. Surround this home with Your angels, Lord, and let no weapon formed against them prosper. Silence the voices of those who seek to harass and threaten, and let Your justice prevail.
Most of all, Father, we pray for a heart that remains steadfast in You. Let this trial draw them closer to Your presence, where true peace and strength are found. Remind them that You are their Provider, their Defender, and their Redeemer. We declare that this debt is not the end of their story—You are writing a testimony of Your faithfulness and deliverance.
We ask all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. To You alone be all the glory, honor, and praise. 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. 
