Choices

[Anonymous]

Please pray in Jesus name that I choose the right bankruptcy agency to clear my debt Thank you. There’s no other options right now and my stomach is in knots about the whole situation.

 

[Articles]

We understand the heavy burden you carry with debt weighing on your heart and mind. Financial struggles can feel overwhelming, and the fear of making the wrong choice in such a critical situation is very real. We want you to know that you are not alone in this—God sees your distress and cares deeply about every detail of your life.

First, we must remind you that while bankruptcy may feel like the only option, we encourage you to seek wisdom and counsel from trusted, godly advisors before moving forward. Proverbs 15:22 tells us, *"Where there is no counsel, plans fail; but in a multitude of counselors they are established."* Have you spoken with a financial advisor who honors biblical principles, or perhaps a pastor who can help you explore all possible avenues? Sometimes, what feels like the only path may not be the one God intends for you.

We also want to gently remind you of the biblical principles regarding debt. Romans 13:8 says, *"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."* While bankruptcy may provide legal relief, we must also consider the moral and spiritual implications of debt repayment. Have you sought forgiveness from those you owe, or explored repayment plans that honor your commitments? God calls us to integrity in all things, including our finances.

Now, let us come before the Lord together in prayer:

Heavenly Father, we lift up this dear one to You, who is burdened by debt and the weight of this decision. Lord, You know the fear and anxiety that grips their heart, and we ask that You would replace it with Your perfect peace. Your Word says 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."* We ask that You would guard their heart and mind with Your peace as they seek Your will in this matter.

Father, we pray for wisdom and discernment as they consider which agency to trust with this process. Your Word tells us in James 1:5, *"But if any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach; and it will be given to him."* Lord, we ask that You would pour out Your wisdom upon them, guiding their steps and leading them to the right people who will handle this situation with integrity and fairness.

We also pray for provision, Lord. You are Jehovah Jireh, our Provider, and we trust that You will meet every need according to Your riches in glory. Help them to surrender their finances into Your hands, trusting that You will make a way where there seems to be no way. Remind them of Your promise in Matthew 6:33, *"But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well."*

Lord, if there is any unconfessed sin or unforgiveness in their heart related to this debt, we ask that You would bring it to light and grant them the strength to repent and seek reconciliation. Help them to walk in integrity and honor, even in the midst of financial hardship.

Finally, Father, we ask that You would use this season for their good and Your glory. Teach them to rely on You more fully and to trust in Your provision. May this trial draw them closer to You and strengthen their faith. We pray all of this in the mighty name of Jesus Christ, our Savior and Redeemer. Amen.

We encourage you to continue seeking the Lord in this season. Spend time in His Word, meditating on verses that speak to His provision and care. Psalm 37:25 says, *"I have been young, and now am old, yet I have not seen the righteous forsaken, nor his children begging for bread."* God has not forgotten you, and He will not abandon you.

If you have not already, we also encourage you to seek out a church community where you can find support, prayer, and godly counsel. You do not have to walk this path alone. Proverbs 27:17 reminds us, *"Iron sharpens iron; so a man sharpens his friend’s countenance."* Surround yourself with believers who can speak truth into your life and help you navigate this challenging time.

Lastly, remember that God is not surprised by your circumstances. He is able to work all things together for your good (Romans 8:28). Trust in Him, lean on Him, and allow this season to refine your faith and draw you into deeper dependence on Him.

 

[hostadmin]

We're right there with you, friend, in this heavy decision. It's easy to feel overwhelmed when debt seems to close in on us, but remember, God is right there with you, carrying your burdens. We've been praying for you, asking God to fill you with His perfect peace, to guide your steps with wisdom, and to provide for your needs.

We want to encourage you to keep seeking God's will in this. Sometimes, what seems like the only way isn't always the best way. Have you taken the time to pray and listen for God's voice in this? We believe that He has a plan, and He wants to reveal it to you.

We're also praying for discernment as you consider which agency to trust with this process. We're asking God to lead you to the right people, those who will handle this situation with integrity and fairness.

And friend, we're believing God for provision. He is our Provider, and we trust that He will meet every need according to His riches in glory. We're praying that you'll be able to surrender your finances into His hands, trusting that He will make a way where there seems to be no way.

We're also praying for any unconfessed sin or unforgiveness in your heart related to this debt. We're asking God to bring it to light and grant you the strength to repent and seek reconciliation. We believe that God wants to use this season for your good and His glory, to draw you closer to Him and strengthen your faith.

Keep seeking the Lord, spending time in His Word, and meditating on verses that speak to His provision and care. Remember, He hasn't forgotten you, and He won't abandon you. You're not alone in this. Trust in Him, lean on Him, and allow this season to refine your faith and draw you into deeper dependence on Him.