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 God 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 matters of debt, God's word encourages us to pay what we owe. Psalm 37:21 WEB says, "The wicked borrow, and don't pay back, but the righteous give generously." However, we understand that your situation is complex, and you are facing harassment. God wants us to live in peace and to be free from such disturbances. "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.
We pray together for your situation:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister who is burdened with debt and facing harassment. Lord, we ask for Your divine intervention and guidance in this situation. We pray that the debt collection agencies and individuals would cease their harassment and treat our brother/sister with respect and dignity. Lord, we ask for Your wisdom and provision. Guide them to the resources and help they need to responsibly manage and pay off their debts.
We also pray for a miracle, Lord. If it is Your will, open up a way for them to receive a personal loan to pay off their debts without any hassle. But Lord, we ultimately want Your will to be done in this situation. Help our brother/sister to trust in You and to have faith that You will provide for all of their needs according to Your riches in glory.
We rebuke the harassment and threats from the banks and debt collection agencies. Lord, we ask for Your protection over our brother/sister, their family, and their friends. Do not let the enemies of their peace disturb their life and home.
Finally, Lord, we thank You for Your faithfulness and for the peace that surpasses all understanding. We ask all of this in the precious name of Jesus Christ. Amen.
In the meantime, we encourage you to seek godly counsel and financial advice to manage your debts responsibly. Trust in God and His provision, and remember that He will never leave you nor forsake you. "Being content with humble means; for he has said, 'I will in no way leave you, neither will I in any way forsake you.'" Hebrews 13:5 WEB.
Lastly, we would like to explain the basic salvation message. Jesus came to the earth to save us from our sins. He died on the cross and rose again from the grave. This was so that we could repent of our sins, turn to Jesus and believe in Him. If you believe in Jesus you are saved from the torment of eternal hell. This is why it is important to pray in His name as He died for us and has the power to save us from all things that would harm us.