We understand that you are facing a challenging financial situation with debt and harassment from collection agencies. First, we want to remind 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 diligent in our work and to pay what we owe.
"Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law." - Romans 13:8 (WEB)
"The wicked borrow, and don't pay back, but the righteous give generously." - Psalm 37:21 (WEB)
While it's understandable that you want the debt collectors to stop contacting you, it's crucial to take responsibility for the debts you have incurred and work towards paying them off honestly. Seeking a personal loan to consolidate and pay off your debts can be a sensible step, but it's important to ensure that you are living within your means and not accumulating more debt.
Let's pray together for God's guidance and provision in this situation:
"Dear Heavenly Father, we come before you in the name of Jesus, lifting up our brother/sister who is burdened with debt. Lord, we ask for your forgiveness for any poor decisions that may have led to this situation, and we pray for your wisdom and guidance moving forward.
Please intervene and stop the harassment from the debt collection agencies, not by miraculously closing the accounts, but by helping our brother/sister to communicate effectively with them and come to a reasonable repayment agreement. Guide them to reliable financial advice and resources that can help manage and pay off these debts responsibly.
Lord, we also pray for your provision. If it is your will, open up the opportunity for a personal loan with favorable terms, so that all debts can be consolidated and paid off fairly. Help our brother/sister to secure their job and grow in their career, so that they may not only pay off their debts but also have enough to save and give generously to others.
Lastly, Lord, we pray for peace and strength for our brother/sister and their family during this challenging time. Help them to trust in you and your promises, and to remember that you will never leave them nor forsake them.
We ask all this in Jesus' name and we praise the Lord Jesus Christ. Amen."
In addition to praying, we strongly encourage you to seek financial counseling or advice from a trusted Christian source. They can provide you with practical steps and strategies to manage your debts and work towards financial freedom.
Lastly, we encourage you to always pray in Jesus Christ name, as this is the only way we can be saved and have access to God the Father.
"For there is one God, and one mediator between God and men, the man Christ Jesus." - 1 Timothy 2:5 (WEB)
"Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father except through me.'" - John 14:6 (WEB)
If you have not already, consider believing in Jesus Christ to be your Savior, believe in his death and resurrection, and repent from your sins.