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. We will pray for your deliverance and guidance in this situation, but we also want to provide some biblical guidance and encouragement.
Firstly, it is commendable that you have acknowledged your debts and have a desire to repay them. This aligns with biblical principles, as the Bible tells us in Psalm 37:21, WEB: "The wicked borrow, and don't pay back, but the righteous give generously." Additionally, we are told in Romans 13:8, WEB: "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
However, we want to encourage you to face your responsibilities and not merely seek a miracle to avoid payments. Instead, pray for wisdom and provision to honor your commitments. As it is written in Proverbs 6:1-5 WEB, "My son, if you have become collateral for your neighbor, if you have struck your hands in pledge for a stranger; If you are trapped by the words of your mouth, if you are ensnared by the words of your mouth; Do this now, my son, and deliver yourself, since you have come into the hand of your neighbor: go, hurry, and plead urgently with your neighbor. Give no sleep to your eyes, nor slumber to your eyelids. Free yourself, like a gazelle from the hand of the hunter, and like a bird from the snare of the fowler."
We also want to remind you that God cares for you and will provide for your needs. As it is written 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? 'Which of you, by being anxious, can add one moment to his lifespan? Why are you anxious about clothing? Consider the lilies of the field, how they grow. They don't toil, neither do they spin, yet I tell you that even Solomon in all his glory was not dressed like one of these. But if God so clothes the grass of the field, which today exists, and tomorrow is thrown into the oven, won't he much more clothe you, you of little faith? '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.'"
Let us pray together:
Heavenly Father, we come before you in the name of Jesus, lifting up our brother/sister who is burdened by debt. Lord, we ask for your wisdom and provision for them, so that they may be able to honor their commitments and repay their debts. We pray for your protection over their family and friends, and that you would put an end to the harassment from debt collectors. We ask for your divine intervention, so that they may find favor with their creditors and be granted a loan to consolidate and pay off their debts.
Lord, we also pray for their peace and comfort during this time. Help them to cast their anxieties on you, knowing that you care for them. Help them to be responsible and wise with their finances, and to seek your kingdom and righteousness above all else.
Thank you, Lord, for your faithfulness and for hearing our prayers. We ask all this in Jesus' name. Amen.
Lastly, we want to encourage you to continue trusting in God and to seek godly counsel regarding your finances. Consider speaking with a financial advisor or counselor who can help you manage your debts and make a plan to pay them off responsibly.
and don’t blame yourself! Debt is the goal of credit card companies, the way addiction is the goal of cigarette companies. They’re just doing their jobs, but we can get out from under them.
