We understand that you are facing a challenging situation with financial debt, and we want to lift you up in prayer and provide biblical encouragement. We commend you for coming in the name of Jesus, as it is only by His name that we can have access to the Father. We see this in how the early church prayed, as we see in Acts 4 WEB:
"By stretching forth your hand to heal; and that signs and wonders may be done through the name of your holy Servant Jesus. When they had prayed, the place was shaken where they were gathered together. They were all filled with the Holy Spirit, and they spoke the word of God with boldness."
Firstly, we want to address the issue of debt. It is important to remember that the Bible encourages us to pay back what we owe. Psalm 37:21 WEB says,
"The wicked borrow, and don't pay back, but the righteous give generously."
We must do this to honor God and live with integrity. However, we also recognize that you are being harassed, and this is causing distress to you and your family. We want to show you how to take action and also how God can help you.
In terms of the harassment you are receiving, it is essential to know your rights and take practical steps to protect yourself and your family. Many regions have laws against harassment, and debt collectors should not be threatening you or contacting your friends and family.
In regards to not wanting to pay back more than what you have borrowed, it is important for us to see Scripture's counsel on fair weights and scales.
"Differing weights and differing measures, both of them are alike an abomination to Yahweh." Proverbs 20:10 WEB
Let's pray together for God's guidance, provision, and protection:
"Father, we come before you in the name of Jesus, lifting up our brother/sister who is burdened by debt. Lord, we ask for your wisdom and guidance. Help them to know how to handle this situation practically and godly. We pray for your provision, that you would open up opportunities for work and financial blessings to help them pay back what they owe. We also pray for your protection, that you would shield them and their family from harassment and bring peace to their home.
We ask for your miracle and divine intervention. We pray for the harassment and repeated calls and visits from every debt collection agency and individual to stop. We pray that they will not harass family and friends, as their presence disrupts peace. We pray that no one visits the home to whom money is owed so that it will not create a huge problem. We pray all this in Jesus name.
Father, we also pray for a personal loan to be granted without any hassle as it will help to pay off all the debts. We ask that you give favor with the bank or financial institutions. Help the lenders have compassion and work with our brother/sister to find a solution.
Ultimately, Lord, we ask for your will to be done. Help our brother/sister to trust in you and to rest in your promise to provide for all their needs.
We pray in Jesus' mighty name, Amen."
We also urge you to seek godly counsel and professional advice to help you manage your debts and understand your rights. We see that you have to pay interest. Be aware and careful about interest, as the Bible warns about it.
"You shall not lend on interest to your brother; interest on money, interest on food, interest on anything that is lent on interest. To a foreigner you may lend on interest; but to your brother you shall not lend on interest, that Yahweh your God may bless you in all that you put your hand to, in the land where you go in to possess it." Deuteronomy 23:19-20 WEB
Lastly, remember that God cares for you and your family. Trust in Him, and he will see you through this challenging time, and he can use it for good.