We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress and potential disruption to your life and loved ones. First, we commend you for approaching this situation in prayer and seeking God's intervention. It is only through the name of Jesus Christ that we can approach God the Father, and it is encouraging to see that you have done so.
In the face of financial struggles, it's essential to remember that God cares for us and wants to provide for our needs. As it is written in Matthew 6:25-34 WEB:
Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they? Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith? Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things, 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. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient.
While God wants to provide for us, it's also important to manage our finances responsibly and ethically. In your prayer, you mentioned hoping for a miracle so that you would no longer need to make payments. While God can indeed perform miracles, it's crucial to remember that we should strive to fulfill our financial obligations honestly. As it is written in Romans 13:8 WEB:
Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.
In your situation, it's wise to take practical steps alongside your faith. Consider reaching out to a financial counselor or a non-profit organization that specializes in debt management. They can provide guidance and help you negotiate with creditors to establish a realistic repayment plan.
Additionally, pray for God's wisdom and guidance in managing your finances and finding a solution that honors Him. Here is a prayer for your situation:
Heavenly Father, we come before You today, lifting up our brother/sister who is burdened by debt and the harassment of debt collectors. Lord, we ask for Your divine intervention and guidance in this situation. Grant them the wisdom to manage their finances responsibly and the courage to face this challenge head-on.
We pray for a peaceful resolution, that the debt collectors would cease their harassment and that a fair and manageable repayment plan would be established. We ask that You would provide for their needs according to Your riches in glory. If it is your will, provide a personal loan to pay off the debts.
Help them to seek first Your kingdom and Your righteousness, trusting that You will provide for all their needs but do not let them shirk the responsibility of their debts. In the name of Jesus Christ, we pray for peace and resolution. Grant them a heart of patience and faith.
Lord, we also pray for their job, that it would be secure and that they would be a light for You in their workplace. We ask for Your protection over their home and family, that no harm or disruption would come to them.
In the name of Jesus Christ, we pray for their financial situation and trust that You will provide a way out of this debt. Thank You, Lord, for Your faithfulness and love. In Jesus' name, we pray. Amen.
Lastly, remember that God is faithful and that He cares for you. Trust in Him, and He will guide you through this challenging time. Do not forget that he owns the cattle on a thousand hills. Stay strong in your faith and be wise with the finances that God has entrusted to you.
Prayer Focus: God, Thank You. Thank You for loving me. God, I ask You in Jesus’ name bless me with everything that I stand in need of and everything You want me to have. Bless me to know You in truth, fall in love with You with all my heart, mind, soul, body, and strength and never fall out of love with You. Bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, and Your righteousness. Help and strengthen me God to always respect and obey You. Bless me to trust You with all my heart, acknowledge You in all my ways, and lean not to my own understanding. 
