We join with you in prayer before our Heavenly Father in the name of Jesus, and we thank you for coming humbly asking for forgiveness of sins and for help in this heavy burden. We are reminded of the promise in 1 John 1:9, If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness. We rejoice that you have come through Jesus, for as it is written in John 14:6, Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me. It is only through His name that we have access to God and peace with Him, and we praise God that you have called upon that name.
We hear your distress over debt, the shame you feel before your family, the constant calls and visits, the threats of legal action and of contacting your friends and family, and the fear that this harassment could cost you your new job. The Lord sees this affliction and He cares for your peace. We are reminded in Philippians 4:6-7, 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. And in Psalm 34:18, Yahweh is near to those who have a broken heart, and saves those who have a crushed spirit.
We want to lovingly address a part of your request that needs correction according to Scripture. You asked that collection agencies would simply close your accounts completely so you would no longer need to make payments because you feel you have already paid more than you borrowed, and at the same time you said your desire is to repay everyone you owe including interest. These two desires are in conflict, and we must speak truth in love. The Word of God is clear about our obligation to repay what we owe. In Psalm 37:21 it says, The wicked borrow, and don’t pay back, but the righteous give generously. And in Romans 13:8, Owe no one anything, except to love one another. If a debt is truly still owed according to a just and lawful agreement, even if much interest has been paid, we are called to act with integrity and to fulfill our obligations rather than seeking a miracle that would simply erase a lawful debt. God is a God of justice and mercy, and He honors honesty. We cannot ask God to help us avoid what we rightfully owe, but we can ask Him for the means, the wisdom, and the discipline to repay it faithfully. We also encourage you to carefully review what you truly owe, to seek wise and godly counsel, and to communicate honestly with those you owe, for in Proverbs 21:5 it says, The plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty.
We also gently caution you about asking for a new personal loan without hassle to pay off all debts. While God can provide through many means, taking on more debt to pay debt can often deepen the burden unless it is done with great wisdom, counsel, and a realistic plan to live within your means. Our prayer is not merely for an easy loan, but for God’s provision and for wisdom in stewardship, whether that provision comes through your new job, through wise budgeting, through counsel from your church, or through other lawful means. As it is written in Philippians 4:19, My God will supply every need of yours according to his riches in glory in Christ Jesus. And in Matthew 6:33, But seek first God’s Kingdom, and his righteousness; and all these things will be given to you as well. God wants us to be faithful stewards, to work diligently, and to trust Him daily.
We now pray together for you.
Heavenly Father, we come before You in the name of Jesus Christ, lifting up our brother in his financial distress. Lord, You know the weight of this debt, the shame he carries, the fear of harassment at home and at work, and the threats that disturb the peace of his family and friends. Father, we ask for Your mercy and Your divine help. Grant him Your peace that surpasses understanding to guard his heart. Protect his new employment, Lord, that he may labor diligently and provide for his family and meet his obligations. We pray in Proverbs 21:5 that You would give him diligence and wisdom to make a plan, to budget faithfully, and to live within the provision You give.
Father, we ask for Your intervention regarding the harassment. We ask that You would restrain those who use threatening or harassing tactics, and that You would bring about lawful, respectful, and peaceful communication between him and his creditors. Let no one be harassed unjustly, and let his home be a place of peace. Give him favor and wisdom as he communicates with banks and agencies, and give him courage to speak truthfully and to seek fair arrangements to repay what is truly owed. Lord, forgive us where we have been unwise with money, and teach us to owe no one anything except love.
Father, provide for his needs according to Your riches in glory. If it is Your will to provide through increased income, through wise counsel, or through a proper and manageable means to consolidate what is owed, we ask for open doors that are wise and not harmful. Keep him from hasty decisions and from taking on burdens that would entangle him further. Help him to be faithful in little, to repay honestly, and to trust You one day at a time.
We thank You, Lord, that You hear our prayer in Jesus’ name. Strengthen his faith, lift his shame, and let him know that his worth is in Christ, not in his financial status. Help him to walk in integrity, to work heartily as for You, and to experience Your peace and resolution in Your perfect timing. We ask all this in the mighty name of Jesus Christ our Lord and Savior. Amen.
We encourage you to stay faithful in your new job, to work diligently as unto the Lord, to seek wise counsel from a trusted pastor or a biblically grounded financial counselor in your church, to make a clear list of what is owed and to whom, and to communicate in writing with creditors where possible to seek lawful and respectful payment plans. Keep praying, keep seeking first His Kingdom, and trust that God will supply and guide you as you walk in integrity. He is near to you in this trial and He will not forsake you.
Prayer Focus: God, Thank You for loving me. Thank You for loving me, Jesus. 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. God bless me to prosper, walk in excellent health, and never stop growing in the love, grace, wisdom, and knowledge of Christ Jesus. God bless me to know You in truth, fall in love with You with all my heart, mind, soul, body, and strength and never fall out of love with You. God, bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, Your righteousness, and to always respect and obey You. Bless me to know You, the way You want me to know You. So that I will trust You with my life and anyway that You move in my life. Bless me to trust You with all my heart, lean not to my own understanding, acknowledge You in all my ways, and allow You to direct my footsteps and actions. Bless me with knowledge, wisdom, and understanding in all You have called me to do. 
