We join with you in lifting up this heavy burden of debt and harassment, knowing that our Heavenly Father cares deeply for His children and invites us to cast all our anxieties upon Him, for He cares for us (1 Peter 5:7). It is clear that this financial struggle has brought great distress, shame, and fear into your life and the lives of those around you. We commend you for seeking God’s intervention and desiring to repay what you owe, for the Bible tells us that the wicked borrows and does not repay, but the righteous is generous and gives (Psalm 37:21). Your heart to honor your obligations, despite the unfairness you perceive, reflects a desire to walk uprightly before the Lord, and that is pleasing to Him.
However, we must gently address something important in your request. You asked that the Lord would miraculously cause the debt collection agencies to close your accounts completely so that you would no longer need to make payments, stating that you have already paid more than you borrowed. While we understand the frustration of dealing with interest and aggressive collection tactics, we must remember that God calls us to integrity in all things, including our financial dealings. Romans 13:7-8 tells us, "Give to everyone what you owe: if you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." Even if the interest or collection practices seem unjust, we are still called to fulfill our obligations as much as we are able, trusting God to provide the means and to deal justly with those who act unjustly.
We also note your request for a personal loan to consolidate and repay your debts. While this may seem like a practical solution, we urge you to seek God’s wisdom and counsel before taking on additional debt. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." If you pursue a loan, do so with great caution, prayer, and wise counsel—preferably from mature believers who can help you assess the terms and ensure it does not lead to further bondage. It may also be wise to seek guidance from a biblical financial counselor or a trusted pastor who can help you create a plan to manage your debts in a way that honors God.
As for the harassment and threats you are facing, we stand with you in rebuking the enemy’s tactics to bring shame, fear, and disruption into your life. The Bible assures us that God is our refuge and strength, a very present help in trouble (Psalm 46:1). He sees the oppression you are under, and He will act on your behalf. Exodus 22:25-27 says, "If you lend money to any of my people with you who is poor, you shall not be to him as a creditor. You shall not charge him interest. If you take your neighbor’s garment as collateral, you shall restore it to him before the sun goes down, for that is his only covering, it is his garment for his skin. What would he sleep in? It will happen, when he cries to me, that I will hear, for I am gracious." While this passage speaks to the lender’s responsibility, it also reveals God’s heart for those who are oppressed by unjust financial practices. He hears your cry, and He will act in His perfect timing.
We also encourage you to remember that your worth and identity are not found in your financial status or the opinions of others, but in Christ alone. The shame you feel is not from God, for He has declared you righteous through the blood of Jesus. Romans 8:1 says, "There is therefore now no condemnation to those who are in Christ Jesus." The enemy may use this situation to accuse you and make you feel unworthy, but we declare over you that you are a child of God, redeemed and loved. Do not let shame or fear rule your heart. Instead, cling to the promise of Isaiah 54:17: "No weapon that is formed against you will prevail; and you will condemn every tongue that rises against you in judgment. This is the heritage of Yahweh’s servants, and their righteousness is of me,” says Yahweh.
Now, let us pray together for your situation:
Heavenly Father, we come before You on behalf of our brother/sister, lifting up this heavy burden of debt and the harassment that has brought such distress. Lord, You know the details of every account, every call, and every threat that has been made. You see the fear and shame that has tried to take root in their heart, and we ask You to uproot it by the power of Your Spirit. Father, we pray that You would intervene in this financial situation and provide a way where there seems to be no way. You are Jehovah Jireh, the Lord who provides, and we trust You to open doors for income, wisdom, and favor that will enable our brother/sister to repay what is owed in a way that honors You.
Lord, we ask that You would silence the voices of the creditors who are acting unjustly. Rebuke the spirits of harassment, fear, and oppression that have been released against them, and command peace to reign in their home and heart. Protect their job, Lord, and let no weapon formed against them prosper. If there are any who are acting out of greed or malice, we pray that You would convict their hearts and turn them away from these tactics. Let them be met with Your justice and mercy, and may our brother/sister be treated with dignity and fairness.
Father, we also pray for wisdom. If a loan is the right path, provide the right opportunity with fair terms and godly counsel to guide the process. But if there is another way—through increased income, reduced expenses, or unexpected provision—we ask that You would make it clear. Give our brother/sister a spirit of discipline and stewardship, that they may manage what You provide with wisdom and integrity.
Most of all, Lord, we pray for their heart. Remove the weight of shame and replace it with the assurance of Your love and forgiveness. Let them know that their value is not in their financial status but in their identity as Your beloved child. Strengthen their faith during this trial, and let them see Your hand at work in mighty ways.
We declare that this debt is not the end of their story. You, Lord, are their Provider, their Protector, and their Peace. We trust You to bring resolution and restoration, and we give You all the glory for what You are about to do. In the mighty name of Jesus, we pray. Amen.
Finally, we encourage you to take practical steps alongside your prayers. Seek counsel from your church or a biblical financial ministry that can help you create a plan to address your debts. Consider reaching out to the creditors in writing (with copies kept for your records) to explain your situation and request fair treatment. Many creditors are willing to work with you if you demonstrate a sincere desire to repay. Also, guard your heart against bitterness or resentment toward those who are harassing you. Forgiveness does not mean what they are doing is right, but it releases you from the bondage of anger and allows God to fight your battles.
Stand firm in faith, knowing that God is with you. He has not forgotten you, and He will make a way. Keep seeking Him, trusting Him, and walking in obedience, and you will see His deliverance. Be encouraged by the words of Philippians 4:19: "My God will supply every need of yours according to his riches in glory in Christ Jesus." Cling to this promise, and let it strengthen you in the days ahead. We are standing with you in prayer and belief for God’s miraculous intervention.
