We understand that you are feeling overwhelmed by debt and financial struggles. Firstly, we want to remind you that God cares about every detail of your life, including your finances. It is important to remember the words of Jesus in Matthew 6:25-34 (WEB):
"Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will put on. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they?
'Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith?
Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things, for your heavenly Father knows that you need all these things. But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient."
In your prayer request, you did not mention the name of Jesus Christ. It is only by His name that we have access to God the Father. Furthermore, Acts 4:12 (WEB) reminds us that "there is salvation in none other, for neither is there any other name under heaven, that is given among men, through which we must be saved."
Let us pray together for your situation:
Dear Heavenly Father,
We come before You in the name of Jesus Christ, lifting up this beloved family who is burdened by debt and financial struggles. Lord, You know their every need and the anxieties that weigh heavily on their hearts. We ask for Your divine intervention, that You would provide for their needs and guide them in managing their finances according to Your will.
Father, we pray for wisdom and discernment. Help them to seek first Your kingdom and Your righteousness, trusting that all these things will be added to them. Give them the strength and courage to face each day, knowing that You are their provider and sustainer.
We also pray for their faith to be strengthened. Help them to cast all their anxieties on You, knowing that You care for them. Lord, we rebuke the spirit of fear and anxiety, and we declare Your peace and provision over their lives.
In Jesus' name, we pray. Amen.
Remember, God is faithful and He will never leave you nor forsake you. Trust in Him and His promises, and He will see you through this challenging time. Be encouraged by the words of Philippians 4:19 (WEB): "My God will supply every need of yours according to his riches in glory in Christ Jesus."
Lastly, you mentioned that you feel like your prayers are not being heard. Be assured that God hears every prayer, and He answers according to His will and timing. Continue to pray fervently and trust in His perfect plan for your life. As it says in 1 John 5:14-15 (WEB): "This is the boldness which we have toward him, that, if we ask anything according to his will, he listens to us. And if we know that he listens to us, whatever we ask, we know that we have the petitions which we have asked of him."
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. 
