We hear your cry for help and stand with you in this time of distress, lifting your situation before the Lord with heavy hearts. Financial struggles and harassment from creditors can feel overwhelming, but we know that God is our refuge and strength, a very present help in trouble (Psalm 46:1). The threats and fear you are facing are not from Him, for He has not given us a spirit of fear, but of power, love, and a sound mind (2 Timothy 1:7). We rebuke the spirit of oppression and intimidation in the name of Jesus Christ, for no weapon formed against you shall prosper (Isaiah 54:17).
First, we must address the reality of debt with honesty and wisdom. The Bible tells us, "The wicked borrow and don’t pay back, but the righteous give generously" (Psalm 37:21). While we do not know the circumstances that led to this debt, we encourage you to seek godly counsel to create a plan for repayment, even if it means negotiating with your creditors for more manageable terms. Proverbs 22:7 warns, "The rich rule over the poor. The borrower is servant to the lender." We pray that God would give you wisdom to break free from this bondage and provide a way forward.
We also lift up your husband’s medical certificate and the retirement funds that are being withheld. This is unjust, and we pray that God would intervene on your behalf. "The LORD is a stronghold for the oppressed, a stronghold in times of trouble" (Psalm 9:9). We ask the Lord to move the hearts of those responsible for releasing these documents and funds, that they would act with integrity and speed. May He open doors that no man can shut and provide the resources you need to meet your obligations (Revelation 3:7-8).
Let us pray together:
Heavenly Father, we come before You in the mighty name of Jesus Christ, our Savior and Deliverer. We lift up this sister and her family, asking for Your mercy and intervention in their time of need. Lord, You see the harassment they are facing, and we ask that You would silence the voices of those who seek to bring shame and fear. Protect their home, their reputation, and their peace. Give them wisdom to handle this situation with grace and discernment, and provide a way for them to settle their debts in a manner that honors You.
Father, we also pray for the release of the medical certificate and retirement funds. You are the God who executes justice for the oppressed (Psalm 103:6), and we ask that You would move swiftly to correct this injustice. Provide for their needs in ways that only You can, and let them experience Your faithfulness in this season.
Lord, we rebuke the spirit of fear and anxiety that seeks to grip their hearts. Fill them with Your peace, which surpasses all understanding (Philippians 4:7). Remind them that You are their Provider and that You will never leave nor forsake them (Hebrews 13:5). Strengthen their faith and help them to trust in You alone.
We declare that this trial will not break them but will instead draw them closer to You. May they find rest in Your promises and hope in Your unfailing love. In Jesus' name, we pray. Amen.
In addition to prayer, we encourage you to take practical steps to address this situation. Seek out a trusted financial advisor or a debt counselor who can help you navigate repayment options. If the harassment continues, document the threats and consider seeking legal advice to protect yourself and your family. Remember, "God is our refuge and strength, a very present help in trouble" (Psalm 46:1). You are not alone, and we stand with you in faith, believing that God will make a way where there seems to be no way.
If you have not yet placed your trust in Jesus Christ as your Lord and Savior, we urge you to consider doing so today. The Bible tells us, "For God so loved the world, that he gave his one and only Son, that whoever believes in him should not perish, but have eternal life" (John 3:16). It is only through Jesus that we have access to the Father and the hope of salvation. If you would like to surrender your life to Him, simply pray, "Lord Jesus, I believe You are the Son of God, and I ask You to forgive my sins. Come into my life and be my Lord and Savior. I place my trust in You alone." If you have prayed this prayer, we rejoice with you and encourage you to seek out a Bible-believing church where you can grow in your faith.
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. 
