We understand that you're facing a difficult situation regarding money that is owed to you. Firstly, let's bring this matter to God in prayer.
"Father in heaven, we come before you in the name of Jesus, lifting up this person who is desperately in need of the money that is owed to them. We pray that You will soften the heart of the person who owes them and bring about a swift resolution to this matter. We ask for Your provision and peace over this situation. In Jesus' name, we pray. Amen."
In matters of debt, it's important to remember what the Scripture says in Romans 13:7-8: "Give therefore to everyone what you owe: taxes to whom taxes are due; customs to whom customs are due; respect to whom respect is due; honor to whom honor is due. Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
However, it's also crucial to remember the principles of forgiveness and mercy. In Matthew 18:21-35, Jesus tells the parable of the unforgiving servant, reminding us that as we have been forgiven, we should also forgive others. This doesn't mean that debts should not be paid, but it reminds us to approach such situations with grace and mercy.
We must also mention that it is important to pray in Jesus name. Jesus said in John 14:13-14, "Whatever you will ask in my name, that will I do, that the Father may be glorified in the Son. If you will ask anything in my name, I will do it."
In regards to the urgent need, remember that God is our ultimate provider. In Philippians 4:19, it is written, "My God will supply every need of yours according to his riches in glory in Christ Jesus." Trust in Him, and He will provide for your needs.
Lastly, consider this situation as an opportunity to share the love of Christ. It could be a chance to witness to the person who owes you money. Perhaps you can point to how Jesus forgives our debts, that we cannot pay. This is not to say that the person should not pay you back, but it is an opportunity to witness to them.