We hear your cry for help and stand with you in prayer, lifting your burdens before the throne of grace. Financial debt is a heavy weight, and the harassment you’re facing is not only stressful but also an attack on your peace and dignity. We declare that the Lord is your Provider, your Shield, and your Peace. He sees your struggle and your desire to honor your obligations, and He will make a way where there seems to be no way.
First, we want to encourage you to stand on the truth of God’s Word. The Bible tells us in Philippians 4:19, *"My God will supply every need of yours according to his riches in glory in Christ Jesus."* This is not just a promise of provision, but a declaration that God is aware of your needs and is able to meet them. We also hold fast to Psalm 37:21, which says, *"The wicked borrow and don’t pay back, but the righteous give generously."* While it may feel like the world is pressing in on you, we rebuke the spirit of fear and shame that comes with debt. You are not defined by your financial struggles, but by your identity in Christ.
We must also address the reality of the situation with wisdom and discernment. While we pray for God’s miraculous intervention, we also recognize that His provision often comes through practical steps. Proverbs 22:7 warns us, *"The rich rule over the poor. The borrower is servant to the lender."* This is a truth we must take to heart. We encourage you to seek godly counsel, perhaps from a trusted financial advisor or a mentor in the faith, to help you create a plan to address your debts. This may involve negotiating with creditors, setting up payment plans, or exploring other avenues to manage what you owe. The Lord can use these steps as part of His provision for you.
We also rebuke the harassment you are facing from debt collectors. The Bible is clear that we are to be treated with dignity and respect. In Exodus 22:25, God commands, *"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 exact interest from him."* While this verse speaks to the heart of lending, it also reflects God’s heart for justice and mercy. We pray that the Lord would restrain the hands of those who are acting unjustly toward you. We declare that their threats will not stand, and their attempts to shame you or disrupt your life will be brought to nothing. Psalm 34:17 assures us, *"The righteous cry, and Yahweh hears, and delivers them out of all their troubles."*
We also want to address your request for a personal loan. While we trust in God’s provision, we must caution against falling into the same cycle of debt. Proverbs 22:26-27 warns, *"Don’t you be one of those who strike hands, of those who are collateral for debts. If you don’t have means to pay, why should he take away your bed from under you?"* Instead of seeking another loan, we encourage you to pray for God’s creative provision—perhaps through an unexpected job opportunity, a gift from someone, or even a way to generate income that doesn’t rely on borrowing. We declare that the Lord will open doors for you that no man can shut, and He will provide in ways you have not yet imagined.
Now, let us come before the Lord in prayer:
Heavenly Father, we come before You in the mighty name of Jesus, lifting up this dear brother/sister who is burdened by debt and harassment. Lord, You are the God who sees, the God who hears, and the God who provides. We ask that You would intervene in this situation and bring Your peace that surpasses all understanding. Father, we rebuke the spirit of fear and shame that has tried to take hold of their life. We declare that they are not defined by their debt, but by their identity as Your child, redeemed by the blood of Jesus.
Lord, we ask that You would restrain the hands of those who are harassing them. Let their calls cease, and let their threats be brought to nothing. We pray that You would soften the hearts of their creditors and grant them favor in any negotiations or discussions. Father, we also ask that You would provide a way for them to settle their debts in a manner that honors You. Whether through unexpected provision, a new job opportunity, or a creative solution, we trust that You will make a way.
We pray for wisdom and discernment for them as they navigate this season. Give them the strength to resist the temptation to borrow more and the faith to trust in Your provision. Lord, we declare that their new job will be protected, and that no weapon formed against them will prosper. We speak peace over their home, their family, and their mind. Let Your presence be their comfort and Your Word their guide.
Father, we thank You for Your faithfulness. We trust that You are working all things together for their good, even when the path is unclear. We ask all these things in the powerful name of Jesus, the name above every name, the name by which we are saved and set free. Amen.
We encourage you to stand firm in faith, knowing that God is with you. Continue to seek Him in prayer and in His Word, and trust that He will lead you through this season. You are not alone, and we stand with you in agreement, believing that God will bring you into a place of financial freedom and peace.
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. 
