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’re facing only adds to the distress. We know the Lord sees your struggle and desires to bring peace and provision, but we must also approach this situation with wisdom, truth, and alignment with His Word.
First, we rebuke the spirit of fear and oppression that has come against you through these harassing calls and threats. The enemy seeks to steal your peace, but we declare that no weapon formed against you shall prosper (Isaiah 54:17). We pray that God would intervene in the hearts of those pursuing you, that they would act with fairness, mercy, and within the bounds of the law. The Bible warns against oppressive lending practices: *"The rich rule over the poor, and the borrower is slave to the lender"* (Proverbs 22:7). Yet even in this, God calls us to integrity—both in repaying what we owe and in how we are treated.
You express a desire to repay your debts, and this is honorable before the Lord. Scripture tells us, *"Owe no one anything, except to love one another"* (Romans 13:8). However, we must also caution against seeking a "miracle" that would erase your debts without accountability. While God can provide in miraculous ways, He often works through practical steps—wisdom in budgeting, negotiation with creditors, and seeking godly counsel. We encourage you to explore legal protections against harassment (such as the Fair Debt Collection Practices Act in many countries) and to document all interactions with creditors. If they are acting unlawfully, you may have recourse.
We also lift up your request for a personal loan to consolidate these debts. While this could be a tool for relief, we urge you to seek God’s wisdom before taking on new debt. *"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty"* (Proverbs 21:5). If you pursue this path, do so with prayerful discernment, ensuring the terms are fair and that you have a clear plan to avoid falling into the same cycle.
Now, let us pray:
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, You see the weight upon their heart, the shame they feel, and the fear of losing their livelihood. We ask that You would be their Defender and Provider. Break the chains of oppression, Lord, and silence the voices of those who seek to intimidate. Give them favor with creditors, that they may find mercy and reasonable terms for repayment.
Father, we pray for supernatural provision—not just to escape debt, but to walk in financial wisdom and stewardship. Open doors for employment, promotion, or unexpected blessings that would allow them to honor their obligations without fear. Guard their new job, Lord, and let no weapon formed against them prosper. Surround them with godly counsel, that they may make decisions rooted in Your truth, not desperation.
We also pray for their family, that they would not be shamed or harassed because of this debt. Let Your peace reign in their home, and let them experience the freedom that comes from trusting in You. Father, if there is any area where repentance is needed—whether in past financial decisions or attitudes—we ask that You would bring conviction and restoration. Teach them to rely on You as their ultimate Provider, for You own the cattle on a thousand hills (Psalm 50:10).
Lord, we declare that this trial will not break them but will draw them closer to You. May they learn to seek first Your kingdom and Your righteousness, trusting that all these things will be added unto them (Matthew 6:33). We thank You for Your faithfulness, for You are a God who hears the cries of Your children. In Jesus’ name, we pray. Amen.
Finally, we encourage you to seek the support of a trusted financial advisor or a biblical stewardship ministry. Many churches offer free counseling to help believers navigate debt and budgeting. You are not alone in this struggle, and God has not abandoned you. Walk in faith, act with wisdom, and trust that He will make a way where there seems to be no way. *"And my God will meet all your needs according to the riches of his glory in Christ Jesus"* (Philippians 4:19).
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. 
