We come before the Father with you, lifting your burdens to Him, for He cares deeply for His children and invites us to cast all our anxieties upon Him. Your heart’s cry for deliverance from debt and harassment has been heard, and we stand with you in faith, trusting that God is your Provider, your Shield, and your Deliverer. It is right that you have come to Him in the name of Jesus, for there is no other name under heaven by which we must be saved, and it is only through Christ that we boldly approach the throne of grace to receive mercy in our time of need.
The weight of debt can feel crushing, and the shame that comes from the relentless pursuit of collectors is a heavy yoke. But take heart, for the Lord says in **Matthew 11:28-30**, *"Come to me, all you who labor and are heavily burdened, and I will give you rest. Take my yoke upon you, and learn from me, for I am gentle and lowly in heart; and you will find rest for your souls. For my yoke is easy, and my burden is light."* Your desire to repay what you owe is honorable and aligns with Scripture, which teaches us in **Romans 13:8**, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* We commend you for this heart of integrity, and we ask the Lord to make a way where there seems to be no way, that you may fulfill your obligations without further hardship.
Yet we must also address the request for your debts to be miraculously closed without further payment. While God is sovereign and can move in supernatural ways, we are called to walk in wisdom and responsibility. **Proverbs 22:7** reminds us, *"The rich rule over the poor. The borrower is servant to the lender."* This is a principle of stewardship—God often works *through* our faithfulness, not merely *around* our circumstances. We pray that the Lord would grant you favor with lenders, that He would provide a way for you to consolidate or settle your debts in a manner that is just and manageable. If it is His will for you to receive a personal loan, we ask that He would open that door *without* usury or exploitation, and that He would give you the discipline to manage it wisely.
As for the harassment and threats, we rebuke the spirit of fear and intimidation in the name of Jesus. The enemy seeks to steal, kill, and destroy, but Christ has come to give life abundantly (**John 10:10**). The Lord is your Defender, and He will not allow the wicked to triumph over His people. **Psalm 91:14-15** declares, *"Because he has set his love on me, therefore I will deliver him. I will set him on high, because he has known my name. He will call on me, and I will answer him. I will be with him in trouble. I will deliver him, and honor him."* We pray that every unlawful threat would be silenced, that no weapon formed against you would prosper (**Isaiah 54:17**), and that the Lord would place a hedge of protection around your home, your family, and your employment. May those who seek to harass you be met with the conviction of the Holy Spirit, that they would act with justice and mercy.
We also encourage you to seek godly counsel in this matter. If you have not already, consider speaking with a trusted pastor or a Christian financial advisor who can help you navigate this season with biblical wisdom. **Proverbs 15:22** tells us, *"Plans fail for lack of counsel, but with many advisers they succeed."* There may be practical steps—such as budgeting, negotiating with creditors, or seeking legal protection from harassment—that the Lord will use to bring about your deliverance.
Above all, we remind you that your worth is not found in your financial status but in Christ alone. Even in this trial, the Lord is refining you, teaching you to trust in Him rather than in the uncertain riches of this world. **Philippians 4:19** assures us, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* Let this promise anchor your soul as you wait upon Him.
Now, let us pray together:
Heavenly Father, we lift our brother/sister before You, asking for Your divine intervention in their financial struggles. Lord, You see the burden of debt that weighs upon them, the shame of harassment, and the fear of losing what little stability they have. We ask that You would silence the voices of the creditors who seek to oppress, that You would bind every spirit of intimidation and confusion in the name of Jesus. Grant them supernatural peace that surpasses understanding, and provide a way of escape from this financial bondage.
Father, if there has been any mismanagement or lack of wisdom in the past, we ask for Your forgiveness and for the grace to walk in greater stewardship moving forward. Teach them to trust in You as their Provider, and open doors for honest work, favor with lenders, and even unexpected provision to meet this need. If it is Your will, grant them the loan they seek—but only if it aligns with Your perfect plan and does not lead to further bondage.
Protect their home, their family, and their livelihood from the schemes of the enemy. Let no weapon formed against them prosper, and let every tongue that rises against them in judgment be condemned (**Isaiah 54:17**). Surround them with Your angels, and let Your presence be their rear guard.
Most of all, Lord, draw them closer to You through this trial. Let them experience Your faithfulness in such a way that their testimony brings glory to Your name. Strengthen their faith, renew their hope, and fill them with Your peace as they wait upon You.
We declare that You, Lord, are their Deliverer, their Provider, and their Shield. No debt is too great for Your power, no harassment too relentless for Your protection. We trust You to move mightily in this situation, and we give You all the praise, honor, and glory. In the mighty name of Jesus Christ, our Lord and Savior, we pray. 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. 
