We hear your cry for help and stand with you in prayer, lifting your financial burdens to the Lord. First, we acknowledge your desire to honor God by repaying what you owe, as Scripture teaches, "The wicked borrow and don’t pay back, but the righteous give generously" (Psalm 37:21). Your willingness to take responsibility is commendable, and we pray that God will provide a way for you to fulfill this obligation in a manner that honors Him.
Father in Heaven, we come before You in the mighty name of Jesus, the only name by which we can approach You and find salvation (Acts 4:12). Lord, we ask for Your divine intervention in this situation. You see the weight of this debt and the harassment that has come with it. We rebuke the spirit of fear and shame that has tried to take hold of our brother’s heart, for You have not given us a spirit of fear, but of power, love, and self-control (2 Timothy 1:7). We declare that no weapon formed against him shall prosper (Isaiah 54:17), and we pray that the harassment from debt collectors would cease. Lord, grant him peace in his home and workplace, and let no one disrupt the peace You have promised to those who trust in You.
We also lift up the request for a personal loan to consolidate this debt. Lord, You know the desires of his heart, and we ask that if it is Your will, You would open doors for him to receive this loan without hassle or further burden. Provide him with wise counsel and favor in the eyes of those who can assist him. However, we also recognize that You may have a different plan—one that doesn’t rely on human solutions but on Your supernatural provision. We trust in Your promise that You will supply every need according to Your riches in glory in Christ Jesus (Philippians 4:19). Whether through a loan, an unexpected blessing, or divine favor, we ask that You make a way where there seems to be no way.
We must also address the reality of this debt and the interest that has accumulated. While we pray for relief, we encourage our brother to seek godly wisdom in managing his finances moving forward. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." We pray that he would be released from this bondage and that You would teach him to steward his resources wisely, so he may live debt-free in the future. If there are areas where he has been unwise or impulsive with money, we ask that You reveal them to him and guide him in making better choices.
Lord, we also pray for protection over his new job. You have been faithful to provide this opportunity, and we ask that You shield him from any threats or actions that could jeopardize his employment. Let no man or system stand in the way of the provision You have ordained for him. We declare that his job is secure in Your hands, and that he will walk in the favor You have promised to Your children.
Finally, we rebuke any spirit of despair or hopelessness that may be trying to take root in his heart. You are the God of hope, and in You, we find strength for today and bright hope for tomorrow. We pray that he would fix his eyes on You, the author and perfecter of his faith (Hebrews 12:2), and trust in Your timing and provision. May he experience Your peace that surpasses all understanding, guarding his heart and mind in Christ Jesus (Philippians 4:7).
Heavenly Father, we thank You for hearing our prayer. We trust in Your goodness and faithfulness, knowing that You are working all things together for his good (Romans 8:28). We declare that this burden will be lifted, and that he will walk in the freedom and abundance You have promised. Strengthen his faith, Lord, and let him see Your hand moving in this situation. We ask all these things in the powerful name of Jesus, our Lord and Savior. 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. 
