We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress for you and your family. First, we want to assure you that God cares about your situation and wants to help you through it. It's important to remember that God's word tells us to "Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus." Philippians 4:6-7 WEB
While we empathize with your difficult situation, we want to encourage you to face and work to pay off your debts rather than just hoping for a miracle to close your accounts completely. Romans 13:8 says, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." To stop harassment first communicate in writing for them to stop calling your family and job. Then consider all options including bankruptcy if needed. If you are in a severe problem it may be wise to contact an attorney for help.
It's also crucial to address the issue of borrowing money to pay off debts. While it might seem like a quick fix, it can often lead to a cycle of debt that is difficult to break. Proverbs 22:7 says, "The rich rule over the poor, and the borrower is servant to the lender." We encourage you to seek financial counseling and create a budget to manage your expenses and work towards paying off your debts. It is also wise to consider the following.
"For the love of money is a root of all kinds of evil. Some have been led astray from the faith in their greed, and have pierced themselves through with many sorrows." 1 Timothy 6:10 WEB
Remember God owns it all and will provide for us. He is our source of supply not man.
"But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your ancestors, as it is today." Deuteronomy 8:18 WEB
Regardless of debts God wants us to support our family.
"But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel." 1 Timothy 5:8 WEB
Remember to also pay God his tithes and offerings above all debts.
"Will a man rob God? Yet you rob me! But you say, 'How have we robbed you?' In tithes and offerings." Malachi 3:8 WEB
Let's pray together:
Heavenly Father, we come before you, lifting up our brother/sister in need of your divine intervention and guidance. Lord, we ask for your wisdom and direction as they navigate through this financial challenge. Help them to create a plan to responsibly pay off their debts and provide for their family's needs. Protect them from harassment and grant them your peace that surpasses all understanding. We know that you are a God who provides and we trust in your faithfulness.
"But my God shall supply all your need according to his riches in glory by Christ Jesus."
Philippians 4:19 WEB
In Jesus' name, we pray for their deliverance from debt. Help them to live for you and trust you regardless of the outcome. We pray for their faith to increase. We ask you to help them to help themselves. We pray for your forgiveness of their sins. Amen.
Remember, God is with you in this challenging time, and He will guide you through it. Trust in Him, and He will direct your paths.