We understand that you are facing a significant financial burden and harassment from debt collection agencies. First, we want to assure you that God cares about your situation and wants to help you. It's important that you are coming before the Lord in the name of Jesus, as it is only through Him that we have access to God. “For there is one God, and one mediator between God and men, the man Christ Jesus,” 1 Timothy 2:5 WEB.
In dealing with your debt, it's crucial to remember that God wants us to be faithful in our financial responsibilities. The Bible tells us, “The wicked borrows, and doesn’t pay back, but the righteous is merciful and generous,” Psalm 37:21 WEB. Even if you feel you have paid more than you borrowed, it's important to fulfill your obligations completely and honestly.
We must also address the desire to have your debts forgiven without further payment. While God can perform miracles, it's important to note that in the parable of the unforgiving servant, Jesus teaches us that we should forgive others as we have been forgiven. “Therefore the Kingdom of Heaven is like a certain king, who wanted to reconcile accounts with his servants. When he had begun to reconcile, one was brought to him who owed him ten thousand talents. But because he couldn’t pay, his lord commanded him to be sold, with his wife, his children, and all that he had, and payment to be made. The servant therefore fell down and knelt before him, saying, ‘Lord, have patience with me, and I will repay you all!’ The lord of that servant, being moved with compassion, released him, and forgave him the debt. “But that servant went out, and found one of his fellow servants, who owed him one hundred denarii, and he grabbed him, and took him by the throat, saying, ‘Pay me what you owe!’ “So his fellow servant fell down at his feet and begged him, saying, ‘Have patience with me, and I will repay you!’ He would not, but went and cast him into prison, until he should pay back that which was owed. So when his fellow servants saw what was done, they were exceedingly sorry, and came and told to their lord all that was done. Then his lord called him in, and said to him, ‘You wicked servant! I forgave you all that debt, because you begged me. Shouldn’t you also have had mercy on your fellow servant, even as I had mercy on you?’ His lord was angry, and delivered him to the tormentors, until he should pay all that was due to him. So my heavenly Father will also do to you, if you don’t each forgive your brother from your hearts for his misdeeds.” Matthew 18:23-35 WEB. This parable reminds us that we should pay our debts as we are able, just as we have been forgiven our debts by God.
Let's pray together for God's guidance and provision in your life:
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 divine intervention in this situation. Guide them in managing their finances responsibly and provide for them abundantly so that they may pay off their debts in full. Protect them and their family from harassment and threats, and grant them peace in this challenging time. Help them to secure a personal loan legitimately and through honest means, if it is Your will.
Lord, we also pray for the debt collection agencies and individuals involved. Change their hearts, Lord, and help them to act with compassion and fairness. We rebuke any harassment or threats made to your child or their family and friends.
Father, we ask that You continue to provide for their needs according to Your riches in glory. “But my God shall supply every need of yours according to his riches in glory in Christ Jesus.” Philippians 4:19 WEB.
In Jesus' name, we pray for a resolution to this situation and for peace to fill their hearts. Remind them of Your love and faithfulness, Lord, and help them to trust in You always. “Trust in Yahweh with all your heart, and don’t lean on your own understanding. In all your ways acknowledge him, and he will make your paths straight.” Proverbs 3:5-6 WEB.
In Jesus' name, we pray. Amen.
In the meantime, do everything you can to manage your finances responsibly. Consider seeking help from financial advisors or Christian budgeting resources to help you manage your money effectively. Trust in God, and He will see you through this challenging time.
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. 
