We come before the throne of grace with heavy hearts, lifting up this burden of financial debt and the harassment that has followed. First, we thank God for the honesty and humility in acknowledging this struggle and for the desire to honor obligations, for Scripture tells us, *"The wicked borrows and doesn’t pay back, but the righteous is generous and gives"* (Psalm 37:21). We also thank God for the new job, for He is the provider of every good gift (James 1:17), and we ask that He shield this opportunity from any disruption.
Father, we recognize the weight of debt and the shame it can bring, but we declare that our identity is not in our financial circumstances but in Christ, who became poor so that we might become rich in Him (2 Corinthians 8:9). We rebuke the spirit of fear and anxiety that debt collectors seek to instill, for You have not given us a spirit of fear, but of power, love, and self-control (2 Timothy 1:7). We stand on Your promise that *"no weapon that is formed against you will prevail"* (Isaiah 54:17) and ask that You silence the threats and harassment. Let no call, visit, or legal action proceed unless it is just, fair, and aligned with Your will. We pray for divine intervention to shield this family from further distress, for You are our refuge and fortress (Psalm 91:2).
Lord, we also lift up the desire to repay what is owed, for this is honorable before You. We ask that You open doors of opportunity for wise financial stewardship. However, we must address the request for a miracle to close accounts completely or erase debts without repayment. While we believe in Your power to provide, we also recognize that Scripture calls us to integrity in our dealings. *"The wicked borrows and doesn’t pay back"*—this is a warning, not an endorsement of evading just debts. We pray instead for a supernatural provision of resources to meet these obligations, whether through the requested loan or another means, but we ask that it be done with wisdom and without further entanglement in unwise financial decisions.
Father, we ask that You grant favor in the eyes of those who may offer assistance, whether through a loan, a raise, or an unexpected blessing. *"And my God will supply every need of yours according to his riches in glory in Christ Jesus"* (Philippians 4:19). We also pray for discernment to manage finances wisely moving forward, for *"the borrower is servant to the lender"* (Proverbs 22:7), and we do not wish to remain in bondage. Teach us to number our days, to live within our means, and to trust You as our ultimate provider.
We rebuke the enemy’s attempts to use this situation to steal, kill, and destroy (John 10:10). Instead, we declare that this trial will be used to draw this family closer to You, to refine their faith, and to testify to Your faithfulness. We pray for peace that surpasses understanding (Philippians 4:7) to guard hearts and minds in Christ Jesus.
Heavenly Father, we lift this burden to You now, trusting that You hear our cries. We ask for a miracle—not just of financial relief, but of transformed hearts, renewed minds, and unwavering trust in Your provision. May this family walk in the freedom that comes from obedience to Your Word and the assurance that You are their Shepherd, and they shall not want (Psalm 23:1). We ask all these things in the mighty name of Jesus, the One who paid our greatest debt and set us free. 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. 
