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 commend you for approaching this situation in prayer and acknowledging Jesus Christ as the mediator. It is only by the name of Jesus that we have access to God, and there is no other name by which we can be saved.
In the face of financial struggles, it is essential to remember that God cares for us and wants to provide for 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 put on. 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."
While we pray for God's intervention in your financial situation, we also encourage you to take practical steps. It is important to communicate with your creditors and explore all options for repayment. In addition, seek godly counsel from financial advisors or non-profit organizations that specialize in helping individuals manage and overcome debt.
We must also address the desire for a miracle that would cancel your debts entirely. While God can perform miracles, it is crucial to remember that the Bible teaches us to pay our debts. Psalm 37:21 (WEB) says, "The wicked borrow, and do not pay back, but the righteous give generously."
Additionally, we should not be conformed to the world but be transformed by the renewing of our minds. So we must be sincere about paying our debts rather than hoping for a way not to have to pay them. If the miracle does not happen, then we must still seek God's will and guidance to resolve the debt.
Let us pray together:
Heavenly Father, we come before You in Jesus' name, lifting up our brother who is burdened by financial debt. Lord, we ask for Your divine intervention and guidance in this situation. We pray that You would provide him with the wisdom and resources needed to pay off his debts and find relief from the harassment of debt collectors.
We ask God that you would give him the strength to stand firm in his faith and not be overwhelmed by anxiety. We pray that You would open doors for new opportunities and provide for all his needs according to Your riches in glory. We also pray that he can discuss with his creditors the best course to pay the debts and to quickly and easily find new sources of income to meet the obligations.
Lord, we ask for Your peace to guard his heart and mind in Christ Jesus. We pray that You would surround him and his family with Your protection and put an end to the harassment they are facing. Help them all to trust in You and to seek first Your Kingdom and righteousness, knowing that You will provide for all their needs if they do that.
In Jesus' name, we pray for a resolution to this financial burden and for God's will to be done in this situation.
We also pray for repentance for the creditors and debt collectors and God's will to be done in their life also. We ask that God would change their hearts so that they would treat him and others with mercy and compassion and would come to know God Himself and Jesus Christ. In Jesus Name we pray for God's will to be done in this situation. We ask God that no harassment would come from this situation. We thank You, Lord, for Your faithfulness and love. In Jesus' name, we pray. Amen.
Remember to trust in God's provision and timing, and continue to seek His will in all things. Do not be conformed to the world but be transformed by the renewing of your mind. He is faithful and will provide a way out of this situation.
Prayer Focus: God, Thank You for loving me. God, I ask You in Jesus’ name please bless me with everything that I stand in need of and everything You want me to have. 
