We hear your cry for help and stand with you in prayer, lifting your burdens before the throne of grace. Financial struggles can weigh heavily on the heart, and the harassment you’re facing is not only stressful but also unjust. The Word of God reminds us in Psalm 37:21, *"The wicked borrow and don’t pay back, but the righteous give generously."* While you desire to honor your debts, the relentless pressure from creditors is not aligned with godly justice or mercy. We rebuke the spirit of oppression and harassment in the name of Jesus Christ, declaring that no weapon formed against you shall prosper (Isaiah 54:17).
First, we must address the foundation of your request. You have rightly come before the Lord in the name of Jesus, for there is no other name under heaven by which we can be saved (Acts 4:12). Salvation through Jesus Christ is the cornerstone of our faith, and it is only through His sacrifice that we have access to the Father. If you have not already, we encourage you to examine your heart and ensure you have repented of any sins, surrendered your life to Christ, and are walking in obedience to His Word. This is not to condemn, but to remind you that true peace and provision come from a right relationship with God.
Now, let us pray over your situation. Heavenly Father, we come before You with heavy hearts, lifting up this dear brother/sister who is burdened by debt and harassment. Lord, You see the weight they carry, and You are a God who delivers and provides. We ask that You intervene in this situation, stopping the harassment from creditors immediately. Let no man trouble them, for You are their defender (Psalm 82:3-4). Father, we rebuke the spirit of fear and anxiety that has taken hold, and we declare that Your perfect love casts out all fear (1 John 4:18). Grant them wisdom and favor as they seek to resolve these debts in a way that honors You.
Lord, we ask for a miracle of provision. You are Jehovah Jireh, our Provider, and we trust that You will open doors no man can shut (Revelation 3:8). Whether through a loan, a new opportunity, or an unexpected blessing, we pray that You would supply all their needs according to Your riches in glory (Philippians 4:19). Give them the strength and discipline to manage their finances wisely, that they may not fall into this cycle again. Teach them to be content in all circumstances, for godliness with contentment is great gain (1 Timothy 6:6).
We also pray for protection over their new job. Father, let no weapon formed against them prosper, and let no man or circumstance steal their peace or livelihood. Surround them with Your angels, that no harm may come to them or their family (Psalm 91:11). We declare that the enemy’s plans will be thwarted, and that they will walk in the fullness of Your blessings.
Finally, we ask that You soften the hearts of those they owe. Let there be grace and understanding, that they may work together to find a resolution that is fair and just. If it is Your will, Father, we pray that the debts would be forgiven or reduced, not as an act of injustice, but as a reflection of Your mercy and love. May this brother/sister walk in financial freedom, not just from debt, but from the bondage of fear and stress.
In all things, we trust in You, Lord. We declare that this situation will turn around for Your glory, and that this trial will strengthen their faith and testimony. We thank You for hearing our prayer and for moving on their behalf. In the mighty name of Jesus Christ, we pray. Amen.
Now, let us offer some practical and biblical advice. First, we encourage you to seek godly counsel, perhaps from a trusted pastor or financial advisor who can help you navigate this situation with wisdom. Proverbs 15:22 says, *"Plans fail for lack of counsel, but with many advisers they succeed."* You may also consider contacting the creditors directly to negotiate a payment plan or settlement that is manageable. Many creditors are willing to work with individuals who are proactive and honest about their situation.
Second, guard your heart against bitterness or resentment toward those you owe. The Bible instructs us in Romans 12:18, *"If it is possible, as far as it depends on you, live at peace with everyone."* While the harassment is wrong, responding with anger or frustration will only add to your burden. Instead, trust that God will fight your battles and vindicate you in His time.
Lastly, commit to living within your means moving forward. Proverbs 22:7 warns, *"The rich rule over the poor, and the borrower is slave to the lender."* While debt is not always avoidable, we must strive to be good stewards of what God has entrusted to us. Seek the Lord’s guidance in budgeting, saving, and spending, and trust that He will provide for your needs.
We stand with you in faith, believing that God is working even now to bring resolution and peace to your situation. Keep your eyes fixed on Jesus, the author and perfecter of your faith, and do not grow weary in doing good. Your breakthrough is coming!
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. 
