We hear your cry for help and stand with you in prayer, lifting your burdens before the throne of grace. Financial struggles can weigh heavily on the heart, and the harassment you’re facing from debt collectors is not only stressful but also disruptive to the peace God desires for you and your family. We recognize your sincere desire to honor your obligations and repay what you owe, and we pray for God’s wisdom and provision in this season.
First, we must address the matter of debt with both truth and compassion. Scripture tells us in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." While it is honorable to repay what you owe, we also know that God is just and merciful. The harassment you’re experiencing from debt collectors is not in line with God’s heart for justice and peace. Proverbs 22:22-23 warns, "Don’t exploit the poor because he is poor; and don’t crush the needy in court; for the Lord will plead their case, and plunder the life of those who plunder them." We rebuke the spirit of oppression and intimidation that seeks to bring fear and shame into your life. We declare that no weapon formed against you shall prosper (Isaiah 54:17), and we pray that the Lord will intervene to stop the harassment, calls, and visits from those who seek to disrupt your peace.
We also want to encourage you to seek godly wisdom in managing your finances. Proverbs 3:5-6 reminds us, "Trust in the Lord with all your heart, and don’t lean on your own understanding. In all your ways acknowledge him, and he will direct your paths." Consider reaching out to a trusted financial counselor or advisor who can help you create a plan to address your debts in a way that honors God and aligns with your ability to repay. While we pray for a miracle, we also recognize that God often works through practical steps and wise stewardship.
We do not believe it is God’s will for you to remain in bondage to debt, nor do we believe He desires for you to be harassed or shamed. However, we must also address the request for a "miracle" to have your debts completely erased without repayment. While God is certainly capable of performing miracles, we must align our requests with His Word. Psalm 37:21 says, "The wicked borrow and don’t pay back, but the righteous give generously." It is important to honor your commitments to the best of your ability, trusting that God will provide the means to do so. We pray for God’s provision, whether through a loan, a new opportunity, or divine favor, but we also encourage you to remain faithful in your responsibilities.
Let us pray together:
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 see the weight on their heart and the fear that has crept into their life. We ask that You would intervene in this situation and bring peace where there is turmoil. Father, we rebuke the spirit of oppression and intimidation that seeks to bring shame and disruption. We declare that no weapon formed against them shall prosper, and we ask that You would shut the mouths of those who seek to harass and threaten. Protect their home, their family, and their new job, Lord. Let no one come against them in a way that would jeopardize the peace and provision You have given.
Father, we ask for Your wisdom and guidance in managing their finances. Provide them with the resources they need to honor their commitments, whether through a loan, a new opportunity, or divine favor. Give them the strength and discipline to steward their finances well, and open doors for them to repay what they owe without fear or shame. Lord, we also ask that You would soften the hearts of those they owe, that they may show mercy and understanding in this season.
We trust in Your promise from Philippians 4:19, "My God will supply every need of yours according to his riches in glory in Christ Jesus." We believe that You are a God who provides, and we ask that You would move mightily on their behalf. Strengthen their faith, Lord, and remind them that You are their provider and protector. Help them to cast all their anxieties on You, for You care for them (1 Peter 5:7).
We pray all these things in the precious name of Jesus, the One who has overcome the world and who intercedes for us even now. Amen.
In the days ahead, we encourage you to meditate on God’s promises and to remain faithful in prayer. Seek His face daily, and trust that He is working even when you cannot see it. Remember the words of Jeremiah 29:11, "For I know the thoughts that I think toward you, says the Lord, thoughts of peace, and not of evil, to give you hope and a future." God has not forgotten you, and He will not abandon you in this struggle. Lean on Him, and He will sustain you.
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. 
