We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and concern for you and your family. First, we want to assure you that God cares about your situation and we are here to pray and provide biblical guidance with you.
In the Bible, God promises to provide for our needs and to be our refuge in times of trouble. As it says in Psalm 50:15 (WEB), "Call on me in the day of trouble. I will deliver you, and you will honor me." Also, in Philippians 4:19 (WEB), "My God will supply every need of yours according to his riches in glory in Christ Jesus."
However, it is essential to remember that God wants us to be responsible with our finances and to fulfill our obligations. In Psalm 37:21 (WEB), it is written, "The wicked borrow, and do not pay back, but the righteous give generously." Even if you feel you have paid more than you borrowed, it is crucial to communicate with your creditors and come to an agreement rather than seeking a miracle to avoid payments.
Moreover, it is commendable that you desire to repay everyone. As it says in Romans 13:8 (WEB), "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
Regarding the harassment, God commands us to treat each other with kindness and respect. In Ephesians 4:32 (WEB), it is written, "Be kind to one another, tenderhearted, forgiving each other, just as God also in Christ forgave you." If the debt collectors are acting unjustly, you can pray for their hearts to be changed and for God to intervene in your favor.
We also want to address your request for a personal loan. While God can provide in miraculous ways, it is important to seek wisdom and guidance from Him and trusted counselors before making financial decisions. As it says in James 1:5 (WEB), "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."
Let us pray together:
Heavenly Father, we come before you today, lifting up our brother/sister in need of your divine intervention in his/her financial struggles. Lord, we ask for your guidance and wisdom to help him/her make sound financial decisions and to fulfill his/her obligations. We pray for the harassment from debt collectors to stop and for a peaceful resolution to this situation. We ask for your provision and help to repay the debts. Help him/her trust in you and your promises. In Jesus' name, we pray for peace and resolution. Help our brother/sister live free from debt and harassment. Thank you for being his/her refuge and provider. In Jesus' name, we pray. Amen.
Lastly, we want to encourage you to continue trusting in God and to seek His will in all things. As it says in Proverbs 3:5-6 (WEB), "Trust in Yahweh with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make your paths straight."