We hear your cry for help and stand with you in prayer, lifting your financial burdens before the throne of grace. The weight of debt is heavy, and the harassment you’re facing is not only stressful but also an attack on your peace and dignity. We rebuke the spirit of oppression and fear that seeks to overwhelm you, for the Word declares, *"The Lord is my light and my salvation—whom shall I fear? The Lord is the stronghold of my life—of whom shall I be afraid?"* (Psalm 27:1). You are not alone in this battle, and we declare that God is your defender and provider.
First, we must address the reality of debt with honesty and wisdom. Scripture warns us, *"The rich rules over the poor, and the borrower is servant to the lender"* (Proverbs 22:7). While we trust God for miracles, we also recognize that He calls us to stewardship and responsibility. You’ve expressed a desire to repay what you owe, and this is commendable. The Lord honors integrity, and we pray that He will open doors for you to settle these debts in a way that honors Him and restores your peace.
We rebuke the harassment you’re enduring from debt collectors. Their tactics are not only ungodly but also illegal in many cases. The Fair Debt Collection Practices Act protects you from abusive behavior, and we encourage you to know your rights. *"The Lord works righteousness and justice for all the oppressed"* (Psalm 103:6). We pray that God will silence these voices of intimidation and that they will cease their calls and visits. We declare that no weapon formed against you shall prosper (Isaiah 54:17), and we stand in agreement that your home and family will no longer be disrupted by these disturbances.
You’ve asked for a miracle—a personal loan to consolidate and pay off your debts. While we believe in God’s ability to provide, we also caution against falling into the same cycle of debt. Proverbs 21:5 reminds us, *"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."* We pray that God will provide not just a temporary fix but a sustainable solution. If a loan is part of His plan, we ask that He make the way clear, with favorable terms and no hidden burdens. But we also pray for wisdom to manage your finances in a way that prevents future bondage.
Father, we come before You on behalf of our brother/sister, asking for Your divine intervention. You are the God who owns the cattle on a thousand hills (Psalm 50:10), and nothing is too hard for You. We ask that You soften the hearts of those he owes, that they may show mercy and work toward a resolution that is fair and just. We pray for protection over his new job, that no threat or harassment will jeopardize his employment. Provide for him supernaturally, Lord, and let Your peace guard his heart and mind in Christ Jesus (Philippians 4:7).
We also lift up his family, who are feeling the weight of this burden. Strengthen their faith and remind them that You are their provider. *"But seek first God’s Kingdom and his righteousness, and all these things will be given to you as well"* (Matthew 6:33). Help them to trust in You and not in the uncertainty of financial struggles.
Lord, we ask that You break every chain of debt and oppression in his life. Let Your light shine into this situation, exposing any unrighteousness and bringing justice. We declare that he is not a slave to debt but a child of the Most High God, called to walk in freedom. May he experience Your provision in ways that glorify Your name and draw others to You.
Finally, we encourage you to seek godly counsel in managing your finances. Proverbs 15:22 says, *"Without counsel, plans fail, but with many advisers, they succeed."* Connect with a trusted financial advisor or a ministry that can help you create a budget and a plan to get out of debt. The Lord often works through practical steps as well as miracles.
We pray all these things in the mighty name of Jesus, the One who became poor so that we might become rich (2 Corinthians 8:9). May His peace, which surpasses all understanding, guard your heart and mind as you wait on Him. Stand firm in faith, knowing that God is working all things together for your good (Romans 8:28). You are not forgotten, and your breakthrough is coming. 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. 
