We understand your heart’s cry for deliverance from debt, and we join you in lifting this burden before the Lord, for He is the Provider who sees your need and cares deeply for you. The weight of financial struggle can feel overwhelming, but we serve a God who owns the cattle on a thousand hills and calls us to cast all our anxieties upon Him, for He cares for us (1 Peter 5:7). However, we must address something vital before we pray: you have directed your request to "almighty God" without invoking the name of Jesus Christ. This is not a small matter, for Scripture declares there is *no other name under heaven given among men by which we must be saved* (Acts 4:12), and it is *only through Jesus* that we have access to the Father (John 14:6). Without faith in Christ, our prayers are like empty vessels—God does not hear the prayers of those who reject His Son (John 9:31, Proverbs 28:9). If you have not surrendered your life to Jesus as Lord and Savior, we urge you to do so now, for He alone breaks the chains of sin and opens the door to God’s provision and peace.
That said, let us turn to the matter of debt. The Bible does not condemn debt outright, but it *strongly warns* against its dangers. Proverbs 22:7 tells us, *"The rich rules over the poor. The borrower is servant to the lender."* Debt can become a snare that enslaves us, distracting us from God’s purposes and stealing our joy. Yet even in this, there is hope. The Lord promises to supply all our needs according to His riches in glory (Philippians 4:19), and He calls us to trust Him rather than lean on our own understanding (Proverbs 3:5-6). If your debt stems from poor stewardship, reckless spending, or a lack of discipline, we lovingly rebuke you to repent and seek God’s wisdom in managing what He has entrusted to you. If it comes from circumstances beyond your control—job loss, medical bills, or injustice—we ask the Lord to vindicate you and provide miraculously.
Here is our prayer for you:
*"Heavenly Father, we come before You in the mighty name of Jesus Christ, lifting up this beloved soul who is burdened by debt. Lord, You see their struggle, their sleepless nights, and the shame or fear that may grip their heart. We ask You to forgive any sin of misplaced trust—whether in money, in man, or in their own strength—and to draw them closer to You through this trial. Father, You are Jehovah Jireh, the God who provides. We ask You to open doors of favor, to grant wisdom in financial decisions, and to supernaturally cancel debts as only You can do. Break every chain of financial bondage and teach them to be faithful stewards of what You give. If there are creditors harassing them, Lord, silence the enemy’s voice and let Your peace reign. And above all, Father, if this person does not know Jesus as Savior, we pray You would reveal Your Son to them today—that they may repent, believe, and receive the abundant life He died to give. We rebuke the spirit of poverty and declare Your prosperity over their life—not for greed, but for Your glory and their ability to bless others. In Jesus’ powerful name, Amen."*
Now, we exhort you to take practical steps alongside prayer:
1. **Seek God’s Word daily**—Jesus said, *"But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well"* (Matthew 6:33). Your priority must be His kingdom, not just financial freedom.
2. **Create a budget**—Proverbs 21:5 says, *"The plans of the diligent surely lead to profit."* List your debts, cut unnecessary expenses, and commit to paying them off systematically.
3. **Avoid new debt**—Do not borrow further unless it is an absolute, godly necessity. Romans 13:8 warns, *"Owe no one anything, except to love one another."*
4. **Seek counsel**—If you’re overwhelmed, ask a mature believer or a biblical financial advisor for help. There is wisdom in many counselors (Proverbs 11:14).
5. **Give generously**—This may seem counterintuitive, but Malachi 3:10 challenges us to test God in tithing. He promises to open the windows of heaven when we honor Him with our finances.
Finally, guard your heart against bitterness or despair. The devil would love to use this season to make you doubt God’s goodness, but *"the joy of the Lord is your strength"* (Nehemiah 8:10). Trust Him, obey Him, and watch Him move on your behalf. We are standing with you in faith!