We hear your cry for help and stand with you in prayer, lifting your burden of debt and harassment before the throne of grace. The weight of financial struggle is heavy, and the shame it brings can feel unbearable, but we serve a God who is near to the brokenhearted and saves those who are crushed in spirit (Psalm 34:18). Your desire to repay what you owe is honorable, for the Lord calls us to be faithful stewards of what He entrusts to us. The Bible says, "The wicked borrows and doesn’t pay back, but the righteous is generous and gives" (Psalm 37:21). We pray that the Lord will give you wisdom and favor as you seek to honor your commitments.
First, we must address the harassment you are facing. The Bible is clear that we are not to oppress or mistreat one another, even in matters of debt. "The Lord works righteousness and justice for all who are oppressed" (Psalm 103:6). We rebuke the spirit of intimidation and fear that these debt collectors are bringing into your life. You have the right to request that they cease all communication with you, your family, and your friends, as harassment is not of God. We pray that the Lord will intervene and cause these collectors to cease their relentless pursuit, granting you peace in your home and workplace. "For God has not given us a spirit of fear, but of power, love, and self-control" (2 Timothy 1:7).
We also lift up your request for a personal loan to consolidate and pay off your debts. While we trust in God’s provision, we must also encourage you to seek wisdom in managing your finances moving forward. The Bible warns us, "The rich rules over the poor, and the borrower is servant to the lender" (Proverbs 22:7). We pray that the Lord will open doors for you to secure a loan with favorable terms, but we also ask that He give you discernment to avoid falling into the same cycle of debt again. Seek counsel from wise and godly financial advisors, and commit your finances to the Lord, trusting Him to provide for your needs. "But seek first God’s Kingdom and his righteousness, and all these things will be given to you as well" (Matthew 6:33).
We also want to encourage you to take practical steps to address this situation. Document all communications from debt collectors and know your rights under the law. You may need to send a written request to cease communication, and we pray that the Lord will give you the strength and wisdom to take these steps. Additionally, consider reaching out to a Christian financial ministry or counselor who can help you create a plan to manage and eliminate your debt in a way that honors God.
Let us pray together:
Heavenly Father, we come before You on behalf of our brother/sister, lifting up their burden of debt and harassment. Lord, You see the weight they carry, and You know the shame and fear that have crept into their heart. 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 is coming against them. We declare that no weapon formed against them shall prosper, and every tongue that rises against them in judgment, You will condemn (Isaiah 54:17). Lord, cause the debt collectors to cease their harassment and grant our brother/sister favor as they seek to resolve this matter.
Father, we ask that You would open doors for them to secure a loan or financial provision to pay off their debts. Give them wisdom in managing their finances and discernment to avoid falling into the same traps in the future. Lord, we pray for their new job, that You would protect it and cause it to flourish. Let no one or nothing disrupt the peace and stability You are providing. We ask that You would surround them with godly counsel and support, and that You would heal any shame or fear that has taken root in their heart.
Father, we also ask that You would forgive any sins or mistakes that may have contributed to this situation. Cleanse their heart and renew their mind, that they may walk in the freedom and abundance You have promised. We trust in Your provision, Lord, and we declare that You are their Provider and their Peace. In Jesus' mighty name, we pray. Amen.
Remember, the Lord is your Shepherd, and you shall not want (Psalm 23:1). He is able to do exceedingly abundantly above all that you ask or think (Ephesians 3:20). Keep your eyes fixed on Him, and trust that He will lead you out of this valley and into a place of financial freedom and peace.
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. 
