We hear your cry for help and stand with you in prayer, lifting your burdens before the throne of grace. Financial debt is a heavy weight, and the harassment you are facing is not only stressful but also disruptive to the peace that God desires for you and your family. We acknowledge your desire to honor your obligations and repay what you owe, which is commendable and aligns with Scripture. The Bible 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." Your heart to settle these debts is pleasing to the Lord, and we pray He strengthens you in this resolve.
However, we must also address the reality of the situation with wisdom and truth. While we join you in asking God for a miracle, we must remember that His ways are higher than ours (Isaiah 55:8-9). The Lord may provide a way for you to repay your debts, but we must be cautious in asking for them to be "closed completely" without repayment, as this could go against the biblical principle of honesty and integrity. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." While this is a difficult position to be in, we must trust that God will provide a way for you to honor your commitments without compromising your integrity or peace.
We also rebuke the spirit of harassment and fear that is coming against you. The Bible tells us in 2 Timothy 1:7, "For God didn’t give us a spirit of fear, but of power, love, and self-control." The threats and intimidation you are facing are not from God, and we pray that He would silence these voices and bring peace to your home. We declare that no one will visit your home to disrupt your peace, and we ask the Lord to intervene in the legal threats being made against you. Psalm 37:21 reminds us, "The wicked borrow, and don’t pay back, but the righteous give generously." While this may feel like a burden, we trust that God will make a way for you to walk in righteousness and generosity.
We also pray for wisdom in managing your finances moving forward. Proverbs 21:5 says, "The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty." We ask the Lord to give you discernment in how to steward your resources, so that you may avoid falling into debt again. If it is His will, we pray for a personal loan to be granted to you, but we also ask that He would provide you with the discipline and wisdom to use it responsibly.
Let us pray together:
Heavenly Father, we come before You in the mighty name of Jesus, lifting up our brother/sister who is burdened by debt and harassment. Lord, we ask for Your divine intervention in this situation. You are the God who provides, and we trust that You will make a way where there seems to be no way. We declare that the spirit of fear and intimidation has no place in this situation, and we rebuke it in Jesus' name. Lord, silence the voices of those who seek to harass and threaten, and bring peace to this home.
Father, we ask for wisdom and discernment in managing finances. Provide a way for these debts to be repaid in a manner that honors You and brings peace to our brother/sister. If it is Your will, grant a personal loan that will help settle these obligations, but also give the strength and discipline to manage it wisely. Protect this new job and provide stability so that there is no fear of unemployment. We trust in Your provision, Lord, and we declare that You are the God who supplies all our needs according to Your riches in glory in Christ Jesus (Philippians 4:19).
We also pray for healing and restoration in this family. The shame and stress of debt can be overwhelming, but we know that You are a God who restores. Bring peace to this home, Lord, and let Your presence be felt in every situation. We thank You for hearing our prayer, and we trust in Your perfect will. In Jesus' name, we pray. Amen.
We encourage you to seek godly counsel in managing your finances. Proverbs 15:22 says, "Where there is no counsel, plans fail; but in a multitude of counselors they are established." Consider speaking with a trusted financial advisor or a mature believer who can help you create a plan to repay your debts. Additionally, we urge you to stand on God's promises and trust in His provision. Philippians 4:6-7 reminds us, "In nothing be anxious, but in everything, by prayer and petition with thanksgiving, let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus." Keep your focus on the Lord, and He will guide your steps.
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. 
