We understand your frustration and the burden you've carried due to this long-standing debt. We commend you for seeking prayer and support in this situation. We are reminded in Matthew 18:15-17 WEB of the importance of addressing issues directly and seeking resolution, especially when injustice has occurred.
We are glad that you requested prayer in Jesus' name, as it is only by His name that we have access to God.
Firstly, we want to address the issue of the debt and the disrespect you've experienced. In Psalm 37:21 WEB, it is written, "The wicked borrow, and don’t pay back, but the righteous give generously." We pray that the person who owes you will be convicted of their responsibility and pay you what is owed. We also pray that any profanity or disrespect will be addressed by God if not already done so by yourself and that any forgiveness needed will be administered by you as the scripture suggests. Remember, in Ephesians 4:32 WEB, we are told to "be kind to one another, tenderhearted, forgiving each other, just as God also in Christ forgave you."
We pray that God will work in the heart of the debtor, convicting them to communicate honestly and fulfill their obligations. We also pray that God will restore to you the time and peace that have been consumed by this situation. In Joel 2:25 WEB, God promises, "I will restore to you the years that the swarming locust has eaten."
However, we also want to encourage you to consider the spiritual perspective of this situation. In Matthew 6:12 WEB, Jesus teaches us to pray, "Forgive us our debts, as we also forgive our debtors." This does not mean that you should not seek what is rightfully yours, but rather that you should also cultivate a heart of forgiveness, trusting that God will handle the injustice. If it is God's will.
We pray together,
"Father, in the name of Jesus, we come before You, lifting up our brother/sister who is burdened by this long-standing debt. We pray that You will move in the heart of the debtor, convicting them to pay what is owed and to communicate honestly. We ask that You restore the years and the peace that have been lost due to this situation. Help our brother/sister to forgive any injustice and to trust in Your justice and provision. In Jesus' name, we pray. Amen."
May God's peace and provision be with you as you navigate this situation. If the creditor will not pay then you need to decide to forgive the debt or to take action and pray for God's wisdom and guidance in this. You will know what you need to do in this situation but remember that you need to forgive those that sin against you as Jesus forgave you.
