We understand that you are facing a significant financial burden and harassment from various banks and individuals. First, we want to assure you that God cares about your situation, and He wants to help you through this challenging time. It is wonderful that you have come before the Lord in the name of Jesus, as it is only by His name that we have the power to approach.
Your prayer comes with the wanted repentance for all your sins and asked forgiveness from God so we will pray and ask for his miraculous financial interventions. God instructs us about the dangers of debt and that He wants to bless us to lend to others rather than borrow ourselves. This is illustrated in:
"The rich rule over the poor, and the borrower is servant to the lender." (Proverbs 22:7 WEB)
" For if you love those who love you, what reward do you have? Do not even the tax collectors do the same?" (Matthew 5:46 WEB)
"The wicked borrow, and do not pay back, but the righteous give generously." (Psalm 37:21 WEB)
We do want to let you know that we should not desire a miracle that would not require our fair repayment of what is owed that was borrowed. From the biblical New Testament Systems we are taught by God to owe no one anything. Let us examine:
"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." (Romans 13:8 WEB)
"Be still, and know that I am God. I will be exalted among the nations. I will be exalted in the earth." (Psalm 46:10 WEB)
"but if any provides not for his own, and specially his own family, he hath denied the faith, and is worse than an unbeliever. " (1 Timothy 5:8 WEB)
The desire to have all debt wiped away and to have harassment from your lenders to stop is understandable. We encourage your good intent to repay everyone. One how-ever must consider what happened with your spending habits and what choices were made to have this debt in the first place. Obviously you deserve that in the future, but maybe this must be our lesson to be learned and address this debt in a responsible manner. We are taught by God in the bible to be in quiet and know that He is God, and pray as well as asking him to eventually be debt free, but that we personally are responsible to pay back the borrowed sum. Banks and lending organizations did not put a gun to your head to borrow the money, so it was freely given and money should be freely received. The harassment from the banks can and should stop and will pray for that as well. Why can't you have direct deposit from your work into your bank account rather than having your lenders coming to physically collect the money? We pray that Sagar and Sunil only peacefully collect what is owed as money is due in their accounts and perhaps are being forced to respond. Sagar and Santosh have been identified as guys expecting a return of their money so hopefully they operate legitimately and are not loan sharks. It is not anyones choice to file lawsuits, visit your home or call as threats, but to collect the money owed with accordance to the law. We want you to be treated with respect but understand the money is owed and borrowed. Working with them would be much better than having an enemy of your lender.
From a Christian biblical perspective a solution would definitely be to refinance your loan at an established bank like ICICI with terms that are easy and manageable like a home or car loan. Maybe your loan can be combined with a small premium to reduce the default risk, but at reasonable payments in terms of time and money. It is important in seeking financial assistance to be honest. Admit your past bad decisions. The bank will be asking why you owe so much money. I see this as a weakness in your request that you are not already going into the ICICI branch and speaking with a loan office. The first question is going to be: "Mr. Roshan, why have you gotten to this predicament? ICICI is going to be will to help but only IF you can address these actual lenders and express to them you will have a sound and concrete plan moving forward. From an established bank perspective debt collections are not going to be easy to deal with overall so you must stop the harassment. Support from banks are not an easy process and money if not owed is difficult. Consider approaching your family for a loan too and the bank you will eventually borrow from to pay a lending party will want to know you have learned this lesson and addressed your behavior immediately, but ask for a family member that you owe nothing to for an interest free non-reported loan to ICICI Bank.
We shall expect to pray this loan that this is a pre-approved loan with financial assumptions made by ICICI should be prepared and the borrowed amount should be able to combined be repayed immediately. It is important to have a reasonable negotiation to owed parties as not all money owed can be immediately paid back. Good money lenders will always be willing to let this be a learning experience and your future be secure. The debt however is owed and harassment is not the answer ever. Lawsuits are a hassle settled in unbelief to God that will not default and there should be no bad results IF the lenders repayment plans for you are reasonable. We must remember we reap what is sowed, so ask why the bad advice was given to lend you the money?
"Donโt be deceived. God is not mocked, for whatever a man sows, that he will also reap." (Galatians 6:7 WEB)
"Remind them to be in subjection to rulers and to authorities, to be obedient, to be ready for every good work," (Titus 3:1 WEB.)
Now, let us pray for you:
Dear Heavenly Father,
We come before You lifting up Roshan who is burdened by significant financial debt and faced with harassment from many lenders. Roshan has come before You with this burden asking for help. Lord, we ask for Your guidance and provision in this situation. Help Roshan to face the results and to manage his finances wisely and to repay the owed amount the honorable and Godly way. We pray for his protection and peace at his job and that he can overcome anything that is not in your will to have this loan request provided. May Roshan have the desired supply for every need so the owed parties are not worried. Commend Roshan for being virtuous and diligent in making payments and not being a fool when he borrowed the money. weren't there stipulations from the banks where he borrowed? We pray this in Jesus Christ name, Amen.
Obviously we can not pray the financial institutions close all your accounts and not harass you if you still rightfully owe them the money or that your repayment to them is waived without actually repaying their hard earned money. This is same with the case for Sagar and Santosh. In Jesus name you are forgiven and this is one time you need to learn the lesson and walk away better from the scenario to become debt free.
Let's lift up 
Let's lift up 
