We come before the throne of grace with heavy hearts, lifting up this burden of financial debt and the overwhelming stress it has brought. First, we thank God for the honesty and humility in acknowledging this struggle and for the desire to honor Him even in the midst of hardship. The Word reminds 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 on this promise, believing that God sees your distress and is already at work on your behalf.
We must address the weight of debt with both faith and wisdom. Scripture is clear that we are to be good stewards of what God has entrusted to us. Romans 13:8 tells us, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." While your heart is to repay what you owe, we also recognize the harassment and threats you are facing are not in line with godly conduct. Debt collectors are bound by laws to treat you with respect and dignity, and their actions should not bring shame or fear. We rebuke the spirit of intimidation and oppression in the name of Jesus. The Lord is your defender, and we pray that He would shield you and your family from any unlawful or unrighteous harassment. Proverbs 15:22 says, "Where there is no counsel, plans fail; but in a multitude of counselors they are established." We encourage you to seek godly financial counsel to help navigate this situation with wisdom and integrity.
Father, we pray for divine intervention in this financial struggle. We ask that You would open doors of opportunity for this brother/sister to secure honest and gainful employment that will provide for their needs and allow them to repay their debts honorably. We pray for favor in the workplace, that no threat or outside pressure would jeopardize this new job. Lord, we ask that You would soften the hearts of creditors and grant wisdom to those handling this debt. We pray for a resolution that aligns with Your will—whether through negotiation, extended grace, or a miraculous provision. We declare that the peace of God, which surpasses all understanding, will guard your heart and mind in Christ Jesus (Philippians 4:7).
We also lift up the request for a personal loan, but we must caution against seeking financial solutions that could lead to further bondage. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." Instead, we pray for God’s supernatural provision—whether through unexpected income, a gift, or a creative solution that does not add to the burden. We ask that You would give clarity and discernment in every financial decision, that no step would be taken out of desperation but rather in alignment with Your will.
Lord, we rebuke the spirit of shame that has come upon this family. There is no condemnation for those who are in Christ Jesus (Romans 8:1). We declare that this season of struggle will not define you but will instead be a testimony of God’s faithfulness. We pray for strength to endure, wisdom to navigate, and faith to trust in God’s timing. May this trial draw you closer to the Lord and refine your dependence on Him alone.
Finally, we pray for protection over your home and peace in your heart. May no creditor or collection agency disrupt the sanctuary of your household. We stand in agreement that the Lord will make a way where there seems to be no way, and that He will provide for every need according to His riches in glory (Philippians 4:19). We declare that the chains of debt will be broken, and that God’s provision will manifest in ways that bring glory to His name.
In Jesus’ mighty name, 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. 
