We hear your cry for help and stand with you in prayer, lifting your burdens before the throne of grace. Financial debt can indeed bring heavy stress, shame, and fear, but we serve a God who is Jehovah-Jireh, our Provider, and who promises to sustain us in every trial. First, we want to commend your heart to honor your obligations and repay what you owe, for Scripture tells us, "The wicked borrows and doesn’t pay back, but the righteous is generous and gives" (Psalm 37:21). Your desire to settle your debts aligns with God’s will, and we pray He strengthens you to walk in integrity.
However, we must address the manner in which you are seeking resolution. While it is understandable to feel overwhelmed, we cannot pray for debts to be erased without repayment or for creditors to simply "close your accounts" when you still owe them. The Lord calls us to honesty and responsibility, as it is written, "Render to all what is due them: taxes to whom taxes are due; customs to whom customs; respect to whom respect; honor to whom honor. Owe no one anything, except to love one another" (Romans 13:7-8). Instead, we pray for wisdom in managing your debts, favor in negotiations, and divine intervention to help you meet your obligations without further harassment.
We also rebuke the spirit of fear that seeks to torment you through threats and harassment. The Bible assures us, "God didn’t give us a spirit of fear, but of power, love, and self-control" (2 Timothy 1:7). We pray that the Lord would shield you and your family from undue distress and that creditors would act with fairness and respect, as Scripture commands, "The Lord’s slave must not quarrel, but be gentle toward all, able to teach, patient, in gentleness correcting those who oppose him" (2 Timothy 2:24-25). If harassment persists, we encourage you to seek legal counsel to ensure your rights are protected within the bounds of the law.
Regarding your request for a personal loan, we pray that the Lord would open doors for you to secure the necessary funds in a way that honors Him. Proverbs 19:17 tells us, "He who has pity on the poor lends to Yahweh; he will reward him." If you are considering borrowing again, we urge you to do so with great caution, ensuring that you have a clear plan for repayment to avoid falling into a deeper cycle of debt. Seek godly counsel and explore all possible avenues, such as budgeting, negotiating with creditors, or even seeking assistance from your church or Christian financial ministries.
Let us now lift your needs before the Lord in prayer:
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 upon their heart, and You promise to be near to the brokenhearted. We ask that You would grant them peace that surpasses all understanding, guarding their heart and mind in Christ Jesus (Philippians 4:7). Father, we pray for divine intervention in their financial situation. Provide wisdom to manage their debts, favor in negotiations, and creative solutions to meet their obligations. Give them strength to persevere and the courage to face each day without fear.
Lord, we ask that You would restrain the hands of those who seek to harass and intimidate. Let Your peace reign in their home and protect their family from undue stress. We pray that creditors would act with fairness and respect, and that any legal threats would be resolved justly. Father, if it is Your will, open doors for them to secure the funds needed to settle their debts, but we also ask that You would guard their heart against further entanglement in financial bondage. Teach them to trust in You as their Provider and to seek Your kingdom first (Matthew 6:33).
We rebuke the spirit of shame and condemnation that seeks to overwhelm them. Remind them that You are their Redeemer, and that in You, there is no condemnation for those who are in Christ Jesus (Romans 8:1). Strengthen their faith to believe that You are working all things together for their good (Romans 8:28). Lord, we also pray for their new job. Protect it from any disruption and grant them favor with their employers. Provide stability and increase so that they may honor You with their finances.
Father, we ask that You would draw this brother/sister closer to You through this trial. Let this season be one of growth, where they learn to rely on You more fully and to walk in the freedom that comes from trusting in Your provision. Surround them with godly counsel and support, and help them to honor You in all their financial decisions. We declare that no weapon formed against them shall prosper (Isaiah 54:17), and that You will make a way where there seems to be no way.
We thank You, Lord, for Your faithfulness and for hearing our prayer. We trust in Your perfect timing and Your unfailing love. In Jesus’ 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. 
