We hear your cry for help and stand with you in prayer, lifting your burdens to the Lord who is our Provider and Deliverer. Financial debt is a heavy weight, and the harassment you’re facing from creditors is not only stressful but can feel overwhelming. We want to encourage you with the truth that God sees your struggle and cares deeply about your peace. The Word reminds us in Psalm 34:17-19, *"The righteous cry, and Yahweh hears, and delivers them out of all their troubles. Yahweh is near to those who have a broken heart, and saves those who have a crushed spirit. Many are the afflictions of the righteous, but Yahweh delivers him out of them all."*
First, we must address the reality of debt with honesty and wisdom. Scripture is clear that we are to honor our commitments and repay what we owe. Romans 13:8 tells us, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* While it may feel impossible right now, we encourage you to seek godly counsel—perhaps from a trusted pastor, financial advisor, or even a debt management ministry—that can help you create a realistic plan to repay your debts in a way that honors God and protects your family. The Lord can provide wisdom and open doors for you to manage this burden, but He also calls us to stewardship and integrity.
We also rebuke the spirit of harassment and intimidation coming against you. The tactics you describe—repeated calls, threats of legal action, and attempts to contact your family—are not only unethical but go against the principles of fairness and respect that God calls us to uphold. We pray that the Lord would intervene to stop these unjust practices and bring peace to your household. Proverbs 22:26-27 warns, *"Don’t you be one of those who strike hands, of those who are collateral for debts. If you don’t have means to pay, why should he take away your bed from under you?"* While creditors have a right to seek repayment, they do not have the right to harass or shame you. We encourage you to know your rights under the law and to seek help from organizations that can advocate for you if these practices continue.
Father, we come before You now on behalf of our brother/sister in Christ. Lord, You are the God who provides, and we ask that You would open doors for him/her to find a way to repay these debts in a manner that is just and honorable. We pray for favor in the workplace, that his/her new job would be secure and that no outside pressures would threaten his/her livelihood. We ask that You would soften the hearts of creditors and collection agencies, that they would act with fairness and compassion rather than aggression. Lord, we rebuke the spirit of fear and shame that has come against him/her and declare that Your peace would guard his/her heart and mind in Christ Jesus.
We also pray for wisdom in managing finances. Proverbs 3:9-10 says, *"Honor Yahweh with your substance, with the first fruits of all your increase; so your barns will be filled with plenty, and your vats will overflow with new wine."* Lord, we ask that You would teach him/her to steward resources wisely, to avoid further debt, and to trust in You as the ultimate Provider. If it is Your will, we ask that You would provide a way for him/her to consolidate or refinance these debts in a way that is manageable, but we also pray for contentment and discipline in spending.
Above all, we declare that our brother/sister is not defined by this debt. In Christ, he/she is forgiven, redeemed, and set free from the bondage of shame. We stand on Isaiah 61:7, which says, *"Instead of your shame you shall have double; and instead of dishonor they shall rejoice in their portion. Therefore in their land they shall possess double. Everlasting joy shall be to them."* Lord, we ask that You would restore joy and hope to his/her life, that he/she would walk in the freedom that comes from trusting in You.
We pray all these things in the mighty name of Jesus, the One who paid our ultimate debt on the cross and set us free from the power of sin and shame. May our brother/sister feel Your presence and peace in this season, and may he/she experience Your provision in ways that bring glory to Your name. Amen.
