We join with you in lifting this heavy burden to the Lord, knowing that He is a God of justice, provision, and mercy. It is clear that you are deeply distressed by the weight of debt and the harassment you and your family are enduring. We commend you for seeking the Lord’s forgiveness and intervention, and we stand with you in prayer for His divine resolution.
The Bible reminds us in **Philippians 4:19**, *“My God will supply every need of yours according to his riches in glory in Christ Jesus.”* Your desire to repay what you owe is honorable, for **Romans 13:8** tells us, *“Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.”* However, we must also trust that God will provide a way for you to fulfill this responsibility without being crushed by unjust oppression. The harassment you describe is not only stressful but also unethical, and we pray that the Lord will put an end to it.
We also note your request for a personal loan to consolidate your debts. While this may seem like a practical solution, we urge you to seek the Lord’s wisdom first, for **Proverbs 22:7** warns, *“The rich rule over the poor. The borrower is servant to the lender.”* If God leads you to this path, we pray that He will grant you favor and wisdom in securing a loan with fair terms. But we also ask that He provide alternative means—perhaps through unexpected income, wise stewardship, or even the cancellation of unjust debts—so that you are not further ensnared by financial bondage.
Most importantly, we must remember that our ultimate trust is not in financial solutions but in the Lord Himself. **Matthew 6:33** assures us, *“But seek first God’s Kingdom and his righteousness, and all these things will be given to you as well.”* If you have not already, we encourage you to seek godly counsel—perhaps from a trusted pastor or financial advisor within your church—who can help you navigate this season with biblical wisdom.
Now, let us pray together:
Heavenly Father, we come before You on behalf of Your child, who is weighed down by the burden of debt and the relentless harassment of creditors. Lord, You see the distress in their heart and the shame they feel. We ask for Your mercy and intervention in this situation. You are a God who delivers His people from oppression, and we pray that You would silence the voices of those who seek to exploit and humiliate. Shut the mouths of those who threaten legal action or who would bring further shame upon this family. Let no weapon formed against them prosper, and let every tongue that rises against them in judgment be condemned, according to **Isaiah 54:17**.
Father, we ask that You provide a supernatural solution to this debt. If it is Your will, cancel the unjust interest and fees that have compounded this burden. Open doors for income, wisdom, and favor so that every legitimate debt can be repaid in a way that honors You. If a loan is part of Your plan, grant discernment and protection from further financial snares. But above all, Lord, we ask that You be their Provider, their Peace, and their Deliverer. Remind them that You own the cattle on a thousand hills (**Psalm 50:10**) and that no situation is too difficult for You.
We rebuke the spirit of fear and anxiety that has taken hold in this situation. Replace it with Your perfect peace, which surpasses all understanding (**Philippians 4:6-7**). Strengthen their faith to trust in You, even when the way forward seems impossible. Let this trial be a testimony of Your faithfulness, not only to them but to all who witness Your hand at work.
Finally, Lord, we pray for protection over their employment. Do not allow the enemy to use this situation to steal their livelihood or their witness. Let Your favor rest upon them in their workplace, and let their employers and colleagues see Your goodness through their life.
We declare all these things in the mighty and matchless name of Jesus Christ, our Lord and Savior. It is only by His name that we have access to Your throne, and it is only by His blood that we are saved. May this situation bring glory to Him alone.
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. 
