We understand that you are facing a significant financial burden and harassment from debt collectors, which is causing stress and potential shame to your family. First, we commend you for coming in the name of Jesus, as it is only through His name that we have access to God and salvation. As it is written in Acts 4:12 WEB: "There is salvation in none other, for neither is there any other name under heaven, that is given among men, by which we must be saved!"
In times of financial distress, it is essential to remember that God cares for us and our needs. Jesus teaches us in Matthew 6:25-34 WEB: "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they? ...Therefore don't be anxious, saying, 'What will we eat?', 'What will we drink?' or, 'With what will we be clothed?' For the Gentiles seek after all these things, for your heavenly Father knows that you need all these things. But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Therefore don't be anxious for tomorrow, for tomorrow will be anxious for itself. Each day's own evil is sufficient."
However, it is also important to address the concern about wanting the debts to be closed without further payments. As Christians we should pay our debts because it is the right thing to do. Psalm 37:21 WEB says, "The wicked borrow, and don't pay back, but the righteous give generously." While we understand the challenges you are facing, we must also uphold biblical principles and encourage you to make every effort to pay back what you owe, as God honors those who are faithful in their commitments.
Let us pray together for God's intervention and guidance in your situation:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister who is burdened by financial debt and harassment from debt collectors. Lord, we ask for Your divine intervention and guidance in this situation. Help them to find a way to pay back what they owe, and grant them the wisdom to manage their finances according to Your will. Protect them and their family from any harassment or shame, and let Your peace reign in their home.
Lord, we also pray for a miracle in their life—that You would provide a means for them to secure a personal loan to pay off their debts, and that they would be able to repay it responsibly. Help them to be a good steward of the resources You have entrusted to them, and let their faith be strengthened through this trial.
We rebuke the spirits of debt, harassment, and poverty, and we declare financial freedom and restoration in their life, in Jesus' name. Help them to seek first Your kingdom and Your righteousness, knowing that You will provide for all their needs according to Your riches in glory.
Lastly, Lord, we pray for their employment, that it would be stable and secure, and that no harassment or disruption would come to their workplace. Help them to honor You in their work and to be a light to those around them.
We pray for a closure of the debt that is fair and that pays it off. We pray for the debt to be resolved in a way that is equitable and without further harassment.
In Jesus' name, we pray. Amen.
Remember, God is faithful, and He will provide a way out of this situation as you trust in Him. Stay strong in your faith, and do not let this burden overwhelm you. Keep your eyes fixed on Jesus, and He will see you through. As mentioned earlier, we do not want to avoid bill collectors or debts, but we pray for a swift resolution and a path to repay and close them in a way that is equitable to all parties. If you have sinned in taking out debt, ask God to forgive you of the sin of presumption. The Bible teaches us to owe no one anything but love. Romans 13:8 WEB.