We hear your cry for help and the heavy burden you carry, both financially and emotionally. The weight of debt and the pressure of deadlines can feel overwhelming, especially when you’ve done everything in your power to seek solutions. You are not alone in this struggle, and we stand with you in seeking God’s wisdom and provision.
First, let us affirm that your desire to honor your obligations and avoid bankruptcy is commendable. Scripture 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 clear this debt aligns with God’s heart for integrity and responsibility. However, we also recognize that circumstances beyond your control have led you here, and God sees your efforts and your exhaustion.
The frustration of closed doors is real, but we encourage you not to lose heart. Proverbs 3:5-6 reminds us, "Trust in Yahweh with all your heart, and don’t lean on your own understanding. In all your ways acknowledge him, and he will make your paths straight." Even when the path forward seems unclear, God is at work. Your persistence in seeking jobs, advisors, and help is not in vain—it is evidence of your faithfulness, and God honors that.
Regarding bankruptcy, it is not inherently sinful, but it should be a last resort after all other avenues have been exhausted. If this is the path you must take, we pray for godly counsel to guide you through it. Psalm 32:8 says, "I will instruct you and teach you in the way which you shall go. I will counsel you with my eye on you." Ask God to lead you to honest, wise advisors who can help you navigate this process with integrity.
We also want to address your desire to move away from government assistance. This is a noble goal, rooted in a desire for self-sufficiency and dignity. Proverbs 12:11 says, "He who tills his land shall have plenty of bread, but he who chases fantasies is void of understanding." Keep seeking honorable work, and trust that God will open doors for income in His timing. He is your provider, as Philippians 4:19 declares: "My God will supply every need of yours according to his riches in glory in Christ Jesus."
Let us pray for you now:
Heavenly Father, we come before You on behalf of our brother/sister, lifting up their financial struggles and the weight of debt they carry. Lord, You see their heart—their desire to honor You, to clear their obligations, and to walk in integrity. We ask that You would open doors of opportunity for them, whether through employment, wise counsel, or unexpected provision. Give them discernment to recognize the right path forward, whether it be through repayment, negotiation, or, if necessary, bankruptcy. Protect them from discouragement and fill them with Your peace as they wait on You.
Father, we pray for income to flow into their life—honorable work that will allow them to stand on their own and glorify You. Remove any barriers that have kept these doors closed, and let Your favor go before them. We also ask that You would lead them to trustworthy advisors who can guide them with wisdom and integrity. Strengthen their faith, Lord, and remind them that You are their provider. In every step, may they lean on You and find rest in Your promises.
We rebuke the spirit of fear and anxiety that seeks to overwhelm them. Remind them that You have not given them a spirit of fear, but of power, love, and self-control (2 Timothy 1:7). Fill them with hope and perseverance as they continue to seek You. May they experience Your provision in ways that astound them and draw them closer to You.
In the mighty name of Jesus, we pray. Amen.
Continue to seek God’s face in this season. He is not unaware of your needs, and He is able to do exceedingly abundantly above all that you ask or think (Ephesians 3:20). Keep pressing forward, and trust that He will make a way where there seems to be no way. You are not forgotten, and your labor in the Lord is not in vain (1 Corinthians 15:58).
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. 
