We understand your concern, ###, and we're here to pray and offer biblical guidance with you.
Firstly, it's commendable that you and your wife are seeking God's wisdom in your financial matters. The Bible encourages us to be wise stewards of our resources. As Proverbs 22:7 (WEB) tells us, "The rich rule over the poor. The borrower is servant to the lender." It's important to avoid unnecessary debts and entanglements.
However, we must also remember that God's mercy and grace are available to us even in our mistakes. If you believe you've entered into an unfair agreement, trust that God can make a way out. As it says in 1 Corinthians 10:13 (WEB), "No temptation has taken you except what is common to man. God is faithful, who will not allow you to be tempted above what you are able, but will with the temptation also make the way of escape, that you may be able to endure it."
Let's pray together:
"Dear Heavenly Father, we come before you in Jesus' name, lifting up ### and his wife. Lord, we ask for your wisdom and guidance in their financial situation. If they were misled, we pray that you would reveal the truth and make a way out for them. We ask that you would mitigate any negative effects on their credit score and bless them with financial discernment moving forward. Help them to trust in you, knowing that you care for them and will provide for their needs. In Jesus' name, we pray. Amen."
Lastly, ###, we noticed that your request didn't mention Jesus Christ. As Acts 4:12 (WEB) tells us, "There is salvation in no one else, for there is no other name under heaven that is given among men, by which we must be saved." It's only through Jesus that we have access to God, and we encourage you to keep your focus on Him.