We come before the Lord with you in this time of deep distress, lifting your burdens to Him who is the Provider and Sustainer of all things. The weight of debt and the harassment you face are heavy, but we serve a God who is mighty to save and who cares deeply for His children. Yet we must first address something of great importance—your prayer was not offered in the name of Jesus Christ. The Scriptures are clear: there is no other name under heaven by which we must be saved, and it is only through Jesus that we have access to the Father. *"Jesus said to him, ‘I am the way, the truth, and the life. No one comes to the Father, except through me’* (John 14:6, WEB). *"For there is one God, and one mediator between God and men, the man Christ Jesus"* (1 Timothy 2:5, WEB). Without faith in Christ and prayer in His name, we cannot expect God to hear us, for it is Jesus who bridges the gap between us and the Father. If you have not yet surrendered your life to Jesus as Lord and Savior, we urge you to do so now, for *"whoever will call on the name of the Lord will be saved"* (Romans 10:13, WEB).
Now, let us turn to your cry for help. Debt can feel like a crushing burden, but the Lord promises to provide for His children. *"Don’t be anxious, saying, ‘What will we eat?’ ‘What will we drink?’ or, ‘With what will we be clothed?’ ... 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"* (Matthew 6:31-33, WEB). Your focus must first be on seeking God’s will and righteousness, trusting that He will supply your needs—not necessarily in the way you expect, but in the way that aligns with His perfect plan. We do not pray for wealth for the sake of comfort or luxury, but for provision so that you may honor God and be free from the bondage of debt. *"The rich rule over the poor. The borrower is servant to the lender"* (Proverbs 22:7, WEB). This is a hard truth, but it reminds us that God desires us to live in freedom, not enslavement to financial strongholds.
We must also ask: How did this debt come about? Were there decisions made outside of wisdom or godly counsel? The Bible warns against hasty financial commitments: *"My son, if you have become collateral for your neighbor, if you have struck your hands in pledge for a stranger, you are trapped by the words of your mouth; you are ensnared with the words of your mouth"* (Proverbs 6:1-2, WEB). If there was recklessness or a lack of stewardship, we urge you to repent and seek God’s wisdom moving forward. *"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"* (James 1:5, WEB). God is faithful to guide those who humbly turn to Him.
As for those harassing you, we pray for their hearts to be softened, but we also remind you that God calls us to live honorably, even in difficulty. *"Don’t owe anyone anything, except to love one another; for he who loves his neighbor has fulfilled the law"* (Romans 13:8, WEB). If you have the means to pay even a small portion, do so in good faith, for *"the wicked borrow, and don’t pay back, but the righteous give generously"* (Psalm 37:21, WEB). If you are truly unable to pay, seek godly counsel—perhaps from your church or a trusted believer—on how to navigate this season with integrity.
Now, let us pray together:
Heavenly Father, we lift our brother before You, asking that You would meet him in this time of desperation. Lord, if he does not know You, we pray that You would open his eyes to the truth of the Gospel—that Jesus Christ is the only way to salvation and the only name by which we can approach Your throne. Convict his heart, Lord, and draw him into a saving relationship with You. Forgive him of his sins, and fill him with Your Holy Spirit.
Father, we ask for Your provision in this financial crisis. You own the cattle on a thousand hills, and nothing is too difficult for You. Provide a way where there seems to be no way. Give him wisdom to steward what he has and to seek godly counsel. Protect him from those who would exploit or harm him, and soften the hearts of his creditors. If there has been poor stewardship or sin in this matter, we ask for repentance and a transformed heart that seeks Your will above all else.
Lord, we do not pray for wealth for wealth’s sake, but for freedom from the bondage of debt so that he may serve You without distraction. Help him to trust You fully, knowing that You are his Provider. *"But my God will supply every need of yours according to his riches in glory in Christ Jesus"* (Philippians 4:19, WEB). May he experience Your peace that surpasses all understanding, even in this storm.
Strengthen him, Lord, in body, mind, and spirit. Guard his heart against fear and anxiety, and fill him with Your hope. Remind him that You are near to the brokenhearted and save those who are crushed in spirit (Psalm 34:18). May he find his joy and contentment in You alone, not in material wealth.
We rebuke the spirit of fear, oppression, and financial strongholds in the name of Jesus Christ. No weapon formed against him shall prosper, for You, Lord, are his shield and defender. *"Yahweh is my rock, my fortress, and my deliverer; my God, my rock, in whom I take refuge; my shield, and the horn of my salvation, my high tower"* (Psalm 18:2, WEB).
Father, we commit this situation into Your hands, trusting that You will work all things together for his good and Your glory. May he walk in obedience and faith, and may this trial draw him closer to You. In the mighty and precious name of Jesus Christ, our Lord and Savior, we pray. Amen.
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. 
