I'm drowning in the debts
- Thread starter Croutown
- Start date
We hear your cry and we stand with you together before our Heavenly Father in Jesus' name, for we know how heavy the burden of debt can feel when it seems like you are drowning and cannot find a way out. We bring your need for counsel and for wisdom to use money wisely before the Lord who promises to guide us.
The Bible teaches us that money and stewardship are spiritual matters. Proverbs 22:7 tells us the borrower is servant to the lender, and Psalm 37:21 reminds us the wicked borrow, and don’t pay back, but the righteous give generously. Romans 13:8 exhorts us to owe no one anything, except to love one another. This does not mean God condemns you for being in debt, but He does call us to be faithful stewards of what He has entrusted to us, to count the cost as in Luke 14:28, and to live with diligence and planning as Proverbs 21:5 says the plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty. God desires for you to walk in freedom, not in bondage, and to learn contentment and faithfulness with little and much.
We also noticed your request did not mention the name of Jesus, and we want to lovingly share that it is only through Jesus that we have access to God and that our prayers are heard. John 14:6 says Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me. And Acts 4:12 tells us there is salvation in no one else, for there is no other name under heaven that is given among men, by which we must be saved. We encourage you to place your trust fully in Jesus Christ, believing He died for your sins and rose again, for He is not only your Savior but also your Counselor and Provider who will walk with you on this new journey.
We pray together for you now.
Father, we lift up this dear one to You in the name of Jesus Christ. You see the weight of every debt and the anxiety that comes with it. We ask for Your mercy and Your counsel to rest upon them. Grant wisdom that comes from above, for James 1:5 says 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. Teach them to steward what You provide with faithfulness as 1 Corinthians 4:2 requires that stewards be found faithful. Provide for their needs according to Your riches in glory as You promise in Philippians 4:19, and help them to make a clear plan to honor their obligations and to live within their means. Give them discipline to budget, diligence to work heartily as unto You, and contentment to avoid further unnecessary debt. Help them to seek first Your Kingdom and Your righteousness as Matthew 6:33 teaches, trusting that all these things will be added. Bring peace where there is fear, hope where there is despair, and open doors for provision and honest work. We ask for a new journey marked by wisdom, integrity, and freedom, for Your glory. In Jesus' name we pray, Amen.
We encourage you to take practical steps with God's wisdom. Bring every financial decision before the Lord in prayer, make a simple written budget that accounts for all income and expenses, commit to paying what you owe faithfully even if slowly, avoid taking on new debt while you are repaying, and seek godly counsel from a trusted pastor or financially wise believer who can help you stay accountable. Remember Hebrews 13:5 to be content with what you have, for He has said, I will in no way leave you, nor will I in any way forsake you. God is able to restore and to teach you to use money wisely for His purposes, and we are trusting with you for that new beginning.
The Bible teaches us that money and stewardship are spiritual matters. Proverbs 22:7 tells us the borrower is servant to the lender, and Psalm 37:21 reminds us the wicked borrow, and don’t pay back, but the righteous give generously. Romans 13:8 exhorts us to owe no one anything, except to love one another. This does not mean God condemns you for being in debt, but He does call us to be faithful stewards of what He has entrusted to us, to count the cost as in Luke 14:28, and to live with diligence and planning as Proverbs 21:5 says the plans of the diligent surely lead to profit; and everyone who is hasty surely rushes to poverty. God desires for you to walk in freedom, not in bondage, and to learn contentment and faithfulness with little and much.
We also noticed your request did not mention the name of Jesus, and we want to lovingly share that it is only through Jesus that we have access to God and that our prayers are heard. John 14:6 says Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me. And Acts 4:12 tells us there is salvation in no one else, for there is no other name under heaven that is given among men, by which we must be saved. We encourage you to place your trust fully in Jesus Christ, believing He died for your sins and rose again, for He is not only your Savior but also your Counselor and Provider who will walk with you on this new journey.
We pray together for you now.
Father, we lift up this dear one to You in the name of Jesus Christ. You see the weight of every debt and the anxiety that comes with it. We ask for Your mercy and Your counsel to rest upon them. Grant wisdom that comes from above, for James 1:5 says 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. Teach them to steward what You provide with faithfulness as 1 Corinthians 4:2 requires that stewards be found faithful. Provide for their needs according to Your riches in glory as You promise in Philippians 4:19, and help them to make a clear plan to honor their obligations and to live within their means. Give them discipline to budget, diligence to work heartily as unto You, and contentment to avoid further unnecessary debt. Help them to seek first Your Kingdom and Your righteousness as Matthew 6:33 teaches, trusting that all these things will be added. Bring peace where there is fear, hope where there is despair, and open doors for provision and honest work. We ask for a new journey marked by wisdom, integrity, and freedom, for Your glory. In Jesus' name we pray, Amen.
We encourage you to take practical steps with God's wisdom. Bring every financial decision before the Lord in prayer, make a simple written budget that accounts for all income and expenses, commit to paying what you owe faithfully even if slowly, avoid taking on new debt while you are repaying, and seek godly counsel from a trusted pastor or financially wise believer who can help you stay accountable. Remember Hebrews 13:5 to be content with what you have, for He has said, I will in no way leave you, nor will I in any way forsake you. God is able to restore and to teach you to use money wisely for His purposes, and we are trusting with you for that new beginning.
We hear how heavy this feels to be drowning in debt, and we are grateful you reached out so honestly. Wanting to see every debt addressed and to walk forward with wisdom in how you use what God provides is a good and humble desire, and we are standing with you in it.
That sense of being overwhelmed can make it hard to know where to start. One step that helps many people find footing again is to bring everything into the light on paper, listing each debt, income and regular expenses in one place. What feels huge and tangled in your mind often becomes clearer and more manageable when you can see it all together.
It also helps not to carry this alone. A trustworthy financial counselor, like a nonprofit consumer credit counseling service or a stewardship ministry through a local church, can help you create a realistic repayment plan and a simple budget, and provide accountability as you build new habits. Just having a plan in place can bring hope even while you are still working your way out of debt. If you have a pastor or a wise, steady friend, inviting them to walk with you can make the journey less isolating as well.
Father, we lift our friend to You in this pressure and ask for Your counsel and peace. Provide for what is needed, give clarity for each decision, and grant wisdom to steward money well in the days ahead. Lead to trustworthy help and give strength to take it one step at a time. In Jesus' name, amen.
That sense of being overwhelmed can make it hard to know where to start. One step that helps many people find footing again is to bring everything into the light on paper, listing each debt, income and regular expenses in one place. What feels huge and tangled in your mind often becomes clearer and more manageable when you can see it all together.
It also helps not to carry this alone. A trustworthy financial counselor, like a nonprofit consumer credit counseling service or a stewardship ministry through a local church, can help you create a realistic repayment plan and a simple budget, and provide accountability as you build new habits. Just having a plan in place can bring hope even while you are still working your way out of debt. If you have a pastor or a wise, steady friend, inviting them to walk with you can make the journey less isolating as well.
Father, we lift our friend to You in this pressure and ask for Your counsel and peace. Provide for what is needed, give clarity for each decision, and grant wisdom to steward money well in the days ahead. Lead to trustworthy help and give strength to take it one step at a time. In Jesus' name, amen.
Spurgeon
Beloved of All
Your cry under the weight of debt has been heard and we have brought it before the Lord with you.
There is a heavier debt than any sum of money, and that is the debt of sin which none of us can pay. Scripture shows us that when a man comes to God acknowledging his debt and confessing his inability to pay it, He so wipes it out that it shall never be exacted again. When you are absolutely bankrupt before Him, then you may believe that Jesus Christ is your Saviour, for He paid that debt in full by His blood. If you know that forgiveness, you know that no earthly bondage can make the soul a slave, for where Grace comes by the blood of the Covenant, there is freedom indeed. Come first with that great debt to Christ, trusting Him alone for salvation, and you will find a heart set at liberty to walk uprightly before the Lord who bought you.
Concerning the debts which now press upon you, hear the word of the Lord, Give an account of your stewardship, for nothing is your own, it is all your Master's. Time, talents, strength and money are entrusted to us, and we must labor for the good of our Master and not trifle with what He has placed in our hands. To grow careless or to leave our hearts out of our work will injure that stewardship and bring dishonor to Him. It is good and needful, therefore, to sit down and give an honest account. Set down what is owed, what is earned, what is spent, and bring it all before God as one who must answer to Him.
Wisdom is the compass by which a man is to steer across the trackless waste of life, and without it he runs here and there wasting strength which might be profitably employed. The price of wisdom is above rubies, and it is not found in our own strength or judgment, for Christ Himself is the wisdom of God. He planned the way of salvation and He also gives wisdom for daily walking. The way of wisdom is not the way of presumption or of leaning upon our own understanding, but of trusting in the Lord and seeking His counsel.
We pray for you now, that the Lord in mercy would counsel you and make a way for these debts to be met with integrity, that He would grant you deliverance according to His will, and above all that He would begin in you a new journey of faithful stewardship. May He teach you to use what He provides with prudence, diligence and contentment, to owe no man anything but love, to work honestly, to live within what He supplies, and to seek godly counsel in ordering your household. May He keep you from idleness and trifling, and make you watchful over every portion entrusted to you, that your life may bring forth fruit to Him who owns you.
Be diligent in honest labor, be truthful with those to whom you owe, seek wise and sober counsel from faithful believers, and ask the Lord daily for wisdom, for He gives liberally to those who ask in faith. He who has been faithful in little will be trusted with more, and He delights to guide the humble heart that says, Thy will be done, for what Thou doest is always best.
There is a heavier debt than any sum of money, and that is the debt of sin which none of us can pay. Scripture shows us that when a man comes to God acknowledging his debt and confessing his inability to pay it, He so wipes it out that it shall never be exacted again. When you are absolutely bankrupt before Him, then you may believe that Jesus Christ is your Saviour, for He paid that debt in full by His blood. If you know that forgiveness, you know that no earthly bondage can make the soul a slave, for where Grace comes by the blood of the Covenant, there is freedom indeed. Come first with that great debt to Christ, trusting Him alone for salvation, and you will find a heart set at liberty to walk uprightly before the Lord who bought you.
Concerning the debts which now press upon you, hear the word of the Lord, Give an account of your stewardship, for nothing is your own, it is all your Master's. Time, talents, strength and money are entrusted to us, and we must labor for the good of our Master and not trifle with what He has placed in our hands. To grow careless or to leave our hearts out of our work will injure that stewardship and bring dishonor to Him. It is good and needful, therefore, to sit down and give an honest account. Set down what is owed, what is earned, what is spent, and bring it all before God as one who must answer to Him.
Wisdom is the compass by which a man is to steer across the trackless waste of life, and without it he runs here and there wasting strength which might be profitably employed. The price of wisdom is above rubies, and it is not found in our own strength or judgment, for Christ Himself is the wisdom of God. He planned the way of salvation and He also gives wisdom for daily walking. The way of wisdom is not the way of presumption or of leaning upon our own understanding, but of trusting in the Lord and seeking His counsel.
We pray for you now, that the Lord in mercy would counsel you and make a way for these debts to be met with integrity, that He would grant you deliverance according to His will, and above all that He would begin in you a new journey of faithful stewardship. May He teach you to use what He provides with prudence, diligence and contentment, to owe no man anything but love, to work honestly, to live within what He supplies, and to seek godly counsel in ordering your household. May He keep you from idleness and trifling, and make you watchful over every portion entrusted to you, that your life may bring forth fruit to Him who owns you.
Be diligent in honest labor, be truthful with those to whom you owe, seek wise and sober counsel from faithful believers, and ask the Lord daily for wisdom, for He gives liberally to those who ask in faith. He who has been faithful in little will be trusted with more, and He delights to guide the humble heart that says, Thy will be done, for what Thou doest is always best.
Jonathan_M
Beloved of All
Praying in Jesus Name. Amen.
The Encourager
The Encourager
May God in Jesus' name answer your prayer request according to God's perfect love, wisdom, will, timing, grace, and mercy. God is so in love with you. Be Encouraged!
Psalm 37:4: Delight yourself in the Lord, And He shall give you the desires of your heart.
Matthew 6:33: But seek first the kingdom of God and His righteousness, and all these things shall be added to 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.
God heal me in every area of my life. Deliver and cleanse me of everything in my life that doesn't honor You. Transform and renew my mind. Bless me with love, power, and a sound mind. Let the mind that is in Christ Jesus be in me. Bless me to have and operate with a God-conscious-solution-focused-heart-mind-spirit-and-attitude. Bless me to have a God Kingdom Culture Mentality. God be with me as a mighty warrior. Let no weapon formed against me prosper. Protect me from all the plans of my enemies and the plans of the enemy of my soul. God, all that I have asked of You, in this prayer, please do the same for the writer of the prayer, all those who love and care about me, and all those I love and care about. God, please forever honor this prayer over each of our lives. God Thank You. Amen, so be it by faith, and by faith, it is so. Prayer written by The Encourager-Prayer Warrior-Board Certified Professional Christian Life Coach. www.theencourager.net
Heal Me Lord Jesus Spirit, Soul, And Body
be-an-encourager.blogspot.com
Psalm 37:4: Delight yourself in the Lord, And He shall give you the desires of your heart.
Matthew 6:33: But seek first the kingdom of God and His righteousness, and all these things shall be added to 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. God heal me in every area of my life. Deliver and cleanse me of everything in my life that doesn't honor You. Transform and renew my mind. Bless me with love, power, and a sound mind. Let the mind that is in Christ Jesus be in me. Bless me to have and operate with a God-conscious-solution-focused-heart-mind-spirit-and-attitude. Bless me to have a God Kingdom Culture Mentality. God be with me as a mighty warrior. Let no weapon formed against me prosper. Protect me from all the plans of my enemies and the plans of the enemy of my soul. God, all that I have asked of You, in this prayer, please do the same for the writer of the prayer, all those who love and care about me, and all those I love and care about. God, please forever honor this prayer over each of our lives. God Thank You. Amen, so be it by faith, and by faith, it is so. Prayer written by The Encourager-Prayer Warrior-Board Certified Professional Christian Life Coach. www.theencourager.net
Heal Me Lord Jesus Spirit, Soul, And Body
Healed Spirit Soul And Body
be-an-encourager.blogspot.com
The Encourager
The Encourager
God, I ask You in Jesus' name cover, guard, and protect me wherever You send me, and don't let me go nowhere You don't send me. God, order my steps and the words that I speak. Let me always pray, seek Your guidance before I speak, answer, or minister.God cover me, my home, my car, my work, my ministry, and every person tied to me (family and friends). Wherever I go, let Your favor go first before me. Let goodness and mercy always follow me. Every plan, plot, and weapon that the enemy of my soul has set up against me and Your plans for my life, God destroy those plans, plots, and weapons.
God, don't let me walk in doubt or fear. Let me take You at Your Word, trust You, and walk by faith. God remind me, You are always with me, there is no need to fear not. You have not given me the spirit of fear. You have blessed me with love, power, and a sound mind. God every day and for always do this for me and the writer of this prayer. Amen, so be it by faith, prayer, and works. Thank You Jesus. Amen.
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