We join you in lifting up this heavy burden of debt and the distress it has brought upon you and your family. It is right that you have come before the Father in the name of Jesus, acknowledging your sins and seeking His mercy, for Scripture tells us in 1 John 1:9, *"If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness."* We praise God that you have placed your trust in Him, for there is no other name under heaven by which we may be saved, and it is only through Christ that we can boldly approach the throne of grace (Acts 4:12, Hebrews 4:16).
The weight of debt can feel overwhelming, and the harassment you describe is deeply unjust. While we pray earnestly for God’s supernatural intervention in your financial struggles, we also recognize that His ways are higher than ours, and His solutions may not always look like what we initially ask for. You have expressed a desire to repay what you owe, and this aligns with Scripture’s teaching on integrity and responsibility. Romans 13:8 tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* It is honorable before God that you seek to fulfill your obligations, even as you ask for His provision to do so.
However, we must gently address something in your prayer: the request that your debts be completely closed without further payment, though you acknowledge having already paid more than you borrowed. While we understand the desperation behind this plea, we must remember that God calls us to walk in honesty and righteousness, even in our financial dealings. Psalm 37:21 says, *"The wicked borrows, and doesn’t pay back, but the righteous give generously."* Our prayer is not that your debts would vanish without resolution, but that God would provide a *just* and *miraculous* way for you to settle them in a manner that honors Him. This may come through unexpected income, favor in negotiations, or even the grace of creditors—but always in a way that reflects His righteousness.
We also take seriously the threats and harassment you are facing. The Bible condemns oppression and unjust treatment. Proverbs 22:22-23 warns, *"Don’t exploit the poor because they are poor; and don’t crush the needy in court; for Yahweh will plead their case, and plunder those who plunder them."* We rebuke the spirit of harassment and fear that has come against you and your family in the name of Jesus. No weapon formed against you shall prosper (Isaiah 54:17), and we declare that God will silence the voices of those who seek to shame or threaten you. He is your defender, and He will not allow the enemy to triumph over His child.
As for your request for a personal loan to consolidate your debts, we pray that if this is God’s will, He would open the door *without* usury or further financial bondage. Proverbs 22:7 reminds us that *"the borrower is servant to the lender,"* so we ask the Lord to provide wisdom and discernment. If a loan is not His best path for you, we pray He would reveal another way—perhaps through increased income, unexpected blessings, or the generosity of believers. Remember that our God owns the cattle on a thousand hills (Psalm 50:10), and He is well able to supply all your needs according to His riches in glory (Philippians 4:19).
Lastly, we encourage you to seek godly counsel in this matter. If you are part of a local church, consider speaking with your pastor or a trusted believer who can offer practical and spiritual support. There is wisdom in many counselors (Proverbs 15:22), and you do not have to walk this path alone. Additionally, we urge you to guard your heart against bitterness or despair. The enemy would love to use this trial to steal your joy and faith, but we declare that you will *not* be overcome. Instead, you will testify of God’s faithfulness in this storm.
Now, 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 harassment. Lord, You see the distress of Your people, and You are a God who delivers. We ask that You stretch forth Your hand and intervene in this financial crisis. Provide supernatural wisdom and favor so that every debt may be settled justly and honorably, according to Your will. Where there has been injustice or unfair treatment, Lord, rise up as the defender of the widow, the orphan, and the oppressed. Silence the voices of those who seek to shame or threaten, and let no weapon formed against this family prosper.
Father, if it is Your will, open the doors for a solution—whether through a loan, increased income, or divine provision—that does not lead to further bondage but instead brings freedom. We rebuke the spirit of fear and anxiety that has sought to overtake this situation, and we declare Your peace, which surpasses all understanding, will guard their hearts and minds in Christ Jesus (Philippians 4:7). Give them strength to endure, wisdom to navigate, and faith to trust You even when the path is unclear.
Lord, we also pray for protection over their employment. Do not allow the enemy to use this trial to jeopardize the job You have provided. Instead, let this season be a testimony of Your faithfulness, so that others may see and glorify Your name.
Finally, Father, we ask that You remind them daily of Your love and sovereignty. Let them cast all their anxieties on You, for You care for them (1 Peter 5:7). Renew their hope and fill them with Your joy, even in the midst of this storm. We declare that this debt shall *not* be their undoing, but rather a story of Your redemption and grace.
We pray all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. 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. 
