We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing distress for you and your family. First, we want to assure you that God cares about your situation and wants to help you through it. It is encouraging you prayed in the precious name of Jesus, as it is only by His name we can approach God the Father and be saved. John 14:6 "Jesus said to him, I am the way, the truth, and the life. No one comes to the Father, except through me."
In dealing with debt, it is essential to remember that God wants us to be faithful in managing our finances and to pay what we owe. Psalm 37:21 says, "The wicked borrow, and do not pay back, but the righteous give generously."
We also want to take this moment to remind you of the importance of forgiveness. If you have repented from any poor spending practices in the past, God forgives you. Ephesians 1:7 "In him we have redemption through his blood, the forgiveness of our trespasses, according to the riches of his grace,"
It is also important to turn from any bad spending practices that may have contributed to the situation. In Proverbs 22:7 "The rich rule over the poor, and the borrower is servant to the lender." God wants us to avoid getting trapped in debt.
We also need to remind you not to be concerned about the harassment but to be thankful you are receiving the consequences of past actions. God is teaching you and has a purpose for it. It is important to take responsibility for your debts and work towards paying them off honestly and fairly. Luke 14:28 "For which of you, desiring to build a tower, does not first sit down and count the cost, to see if he has enough to complete it?"
God wants us to be responsible and accountable for our actions. Galatians 6:5 "For each man will bear his own burden."
Here is a heartfelt prayer, based on what you have shared.
Almighty God, we come before You, lifting up this person who is burdened by debt and harassment from debt collectors. We ask for Your divine intervention and guidance in this situation.
"If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach, and it will be given to him." James 1:5
Help them to manage their finances wisely and to find a way to pay off their debts in a manner that is pleasing to You. Protect them and their family from any further harassment. We also ask for their success at their new job and for them to continue to receive God's favor.
"Study to be quiet, and to do your own business, and to work with your own hands, even as we charged you;" 1 Thessalonians 4:11
Please grant peace and resolution to this situation. We ask this in the precious name of our Lord and Savior, Jesus Christ. Amen.
In the meantime, be honest with your debtors about your situation. Work with them to make payments, even if it is a small amount. Consider seeking help from a non-profit financial counseling service, which can provide guidance and support in managing your debts. Trust in God, and He will make a way for you.