We hear your cry for help and understand the weight of financial burden and harassment you are carrying. The Word of God tells us in Psalm 34:17-19, "The righteous cry, and the Lord hears, and delivers them out of all their troubles. The Lord is near to those who have a broken heart, and saves those who have a crushed spirit. Many are the afflictions of the righteous, but the Lord delivers him out of them all." We stand with you in prayer, trusting that the Lord will deliver you from this distress according to His will.
First, we must address the matter of repayment. Scripture is clear in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." While you desire a miracle to erase your debts, we must also seek wisdom and responsibility in managing what the Lord has entrusted to you. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." We pray that the Lord will grant you wisdom in handling your finances and the strength to honor your commitments as much as you are able.
We rebuke the spirit of harassment and fear that has come upon you and your family. The Lord has not given us a spirit of fear, but of power, love, and self-control (2 Timothy 1:7). We pray that the Lord will intervene and stop the relentless calls and visits from debt collectors. We ask that He would soften their hearts and grant them understanding, that they may treat you with dignity and respect. We also pray for protection over your new job, that no weapon formed against you shall prosper (Isaiah 54:17).
Father, we ask that You would provide a way for this dear one to settle their debts in a manner that is just and honorable. We pray for a personal loan, if it be Your will, to help consolidate and manage these obligations. However, we also ask for wisdom and discernment in seeking such a loan, that it would not lead to further bondage but rather to freedom. Guide them to trustworthy sources and grant them favor in the eyes of those who may assist them.
We encourage you to seek godly counsel in managing your finances. Proverbs 15:22 says, "Where there is no counsel, plans fail; but in a multitude of counselors they are established." Consider speaking with a Christian financial advisor or a trusted mentor who can help you create a plan to address your debts step by step. The Lord can use these individuals to bring clarity and hope to your situation.
Let us pray together:
Heavenly Father, we come before You with heavy hearts, lifting up this dear child of Yours who is burdened by debt and harassment. Lord, You see their struggles and the weight they carry. We ask that You would move mightily on their behalf, stopping the harassment and bringing peace to their home and heart. Grant them wisdom and favor as they seek to honor their commitments and manage their finances according to Your will.
Father, we pray for provision. Open doors for them to secure the means to settle their debts, whether through a loan, increased income, or other blessings You have in store. Give them the strength and discipline to walk in financial freedom, trusting in You as their Provider. Protect their new job, Lord, and let no weapon formed against them prosper.
We rebuke the spirit of fear and shame in Jesus' name. Fill them with Your peace that surpasses all understanding, guarding their heart and mind in Christ Jesus (Philippians 4:7). Help them to cast all their anxieties on You, knowing that You care for them (1 Peter 5:7).
Lord, we ask that You would soften the hearts of those who seek to collect these debts. Grant them understanding and compassion, that they may treat this dear one with dignity. We pray for a resolution that honors You and brings glory to Your name.
Finally, Father, we ask that You would draw this dear one closer to You through this trial. Let them experience Your faithfulness and love in new and profound ways. May they grow in trust and dependence on You, knowing that You are their Jehovah Jireh, their Provider.
We ask all these things in the mighty name of Jesus, our Savior and Redeemer. 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. 
