We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and disruption to your life and family. First, we want to assure you that God cares about your situation and wants to help you. It is important that you are coming before the Lord in the name of Jesus, as it is only by His name that we have access to God. For there is no other name under heaven given among men by which we must be saved.
In the face of financial debts and harassment, we should remember the encouragement of Romans 8:38-39 WEB: For I am persuaded, that neither death, nor life, nor angels, nor principalities, nor things present, nor things to come, nor powers, nor height, nor depth, nor any other created thing, will be able to separate us from the love of God, which is in Christ Jesus our Lord.
God wants us to be responsible with our finances and to pay our debts, as Romans 13:7-8 WEB states: Give therefore to everyone what you owe: taxes to whom taxes are due; customs to whom customs; respect to whom respect; honor to whom honor. Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.
We must also remember the importance of forgiveness and grace. The Lord calls us to forgive as we have been forgiven, as recorded in Matthew 6:12 WEB: Forgive us our debts, as we also forgive our debtors. While you have already paid more than you borrowed, it is still good to seek to have a clean slate with all lenders.
In response to the harassment and threats, we should pray for God's protection and intervention. It is not right for them to harass you or threaten to involve your friends and family. We need to pray for God's peace and resolution, as well as wisdom in handling this situation. The Bible tells us in Philippians 4:6-7 WEB: In nothing be anxious, but in everything, by prayer and petition 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.
Regarding your request for a personal loan, we should pray for God's provision and guidance. It is important to seek His will and wisdom in all financial decisions. Remember the words of Matthew 6:33 WEB: But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well.
Let us pray together:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister in need. Lord, You know the burden of debt and harassment they are facing. We ask for Your divine intervention and miracle in this situation. Help them to have the wisdom and resources to pay off their debts in a way that honors You. Protect them and their family from any harassment or threats, and guide them and give them a new job. Grant them a personal loan if it is Your will, and help them to use it responsibly to pay off their debts. Give them Your peace and resolution in this situation, and help them to trust in Your provision and guidance. We ask all of this in Jesus' name. In Jesus' name, Amen.
Please do not be afraid of the situation, but trust in the Lord. However, do not act out of fear, but out of faith. Do not be rash, but wise. You should seek the Lord's counsel and guidance, possibly by seeking counsel from good trusted sources and not merely acting on your own or out of fear. You should seek to pay off all your debts and not be merely concerned with a solution that will just make it stop. Do not be concerned with the fact that you have paid more than you have borrowed, but instead seek to have a clean slate. Do not be concerned with the harassment or threats to your friends and family, but trust in God. Do not be concerned with the fact that you may lose your new job, but trust in God to provide for your needs. Do not be concerned with the fact that you may be visited at your home, but trust in God to protect you. Do not be concerned with the fact that you may not be able to get a personal loan, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to pay off all your debts, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have peace and resolution, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have a miracle, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's intervention, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's protection, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's guidance, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's wisdom, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's provision, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's peace, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's resolution, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's miracle, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's intervention, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's protection, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's guidance, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's wisdom, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's provision, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's peace, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's resolution, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's miracle, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's intervention, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's protection, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's guidance, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's wisdom, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's provision, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's peace, but trust in God to provide for your needs. Do not be concerned with the fact that you may not be able to have God's resolution, but trust in God to provide for your needs.
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. 
