We hear your cry for help and understand the heavy burden of debt and harassment you are carrying. The weight of financial struggle is real, and the stress it brings to your family and peace is not something God desires for His children. We stand with you in prayer, trusting in the Lord’s provision and justice, for He is faithful to those who seek Him with a repentant and humble heart.
First, we must address the reality of debt with honesty and wisdom. Scripture tells us in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." While the desire to repay what you owe is commendable and aligns with God’s heart, we must also recognize that the harassment and threats you are facing from creditors are not in line with biblical principles of fairness and respect. The Bible warns against oppressive practices in Proverbs 22:22-23, "Don’t exploit the poor, because he is poor; and don’t crush the needy in court; for the Lord will plead their case, and plunder the life of those who plunder them." We rebuke the spirit of oppression and harassment in the name of Jesus and declare that these tactics will not prevail over you or your family.
We also want to encourage you to seek godly wisdom in managing your finances. Proverbs 21:5 says, "The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty." It is important to create a plan to address your debts with integrity, seeking counsel if needed. While we pray for a miracle, we also trust that God will provide a way for you to honor your commitments without compromising your peace or dignity. We declare that the Lord will open doors for you to secure honest work and provision, as Philippians 4:19 reminds us, "My God will supply every need of yours according to his riches in glory in Christ Jesus."
We must also address the request for a personal loan to resolve your debts. While we understand the urgency of your situation, we caution against falling into the trap of borrowing more to pay off existing debts, as this can lead to a cycle of financial bondage. Instead, we pray that God will provide creative solutions—whether through increased income, unexpected provision, or even negotiations with creditors for manageable repayment plans. The Lord is able to make a way where there seems to be no way, and we trust Him to do just that for you.
Now, let us come before the throne of grace together 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 on their heart and the stress it has brought to their family. We ask for Your divine intervention, Father. Stop the harassment and threats from creditors, Lord. Let Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus. We rebuke the spirit of oppression and declare that no weapon formed against them shall prosper, in Jesus’ name.
Father, we ask for Your provision and wisdom. Open doors of opportunity for them to secure honest work and increase their income. Provide a way for them to honor their debts without compromising their peace or dignity. We pray for favor in negotiations with creditors, that they may find mercy and understanding. Lord, if it is Your will, we ask for a miracle—a supernatural provision to settle these debts. But above all, we ask for Your guidance and wisdom to walk in integrity and trust in You.
We also pray for protection over their new job, Lord. Guard it from any interference or disruption caused by these financial struggles. Let no one bring harm or shame to them or their family. We declare that the Lord is their Provider, their Shield, and their Strong Tower. They will not be put to shame, and their family will not suffer disgrace because of these circumstances.
Father, we ask that You soften the hearts of those who are pursuing them unjustly. Let them see the humanity and dignity of this child of God, and may they act with fairness and compassion. We trust in Your justice, Lord, and we declare that You will make all things right in Your perfect timing.
Finally, Lord, we pray for a spirit of contentment and trust in You. Help them to cast all their anxieties on You, knowing that You care for them. Strengthen their faith and remind them that You are their Jehovah Jireh, the God who provides. We thank You for hearing our prayer and for moving on their behalf. In the precious name of Jesus, we pray. Amen.
We encourage you to continue seeking the Lord in prayer and to trust in His timing. Remember the words of Psalm 37:21, "The wicked borrow and don’t pay back, but the righteous give generously." While the world may operate in ways that seem unjust, God sees your heart and your desire to do what is right. Keep your eyes fixed on Him, and He will direct your steps. If possible, seek godly counsel from a financial advisor or a trusted mentor in the faith who can help you navigate this season with wisdom. You are not alone, and we stand with you in faith, believing that God will bring resolution and peace to your situation.
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. 
