We understand your concern for your friend's dire financial situation, and we're here to pray and offer biblical advice together.
Firstly, we're grateful that you've acknowledged the power of Jesus' name in your request. It's only through Him that we can approach God's throne of grace with confidence (Hebrews 4:16 WEB).
Let's pray:
"Father in heaven, we come before You in Jesus' name, lifting up our friend who is in dire financial need. We ask that You intervene in his situation, provide for his needs, and guide him through this difficult time. We pray for the Central of US bank, that they would show compassion and remove the negative marks from his credit score, allowing him to meet his financial obligations and keep his house. We trust in Your sovereignty and goodness, knowing that You care for us and want the best for us. Help our friend to fix his eyes on You, trusting that You will provide and guide him. In Jesus' name, we pray. Amen."
We also want to encourage your friend with these words from the Bible:
"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." (Matthew 6:25-34 WEB)
Lastly, we want to remind your friend that God calls us to be responsible and honest in our financial dealings. If there are any outstanding debts or obligations, it's important to communicate with the relevant parties and work towards a resolution, trusting that God will provide and guide us through the process.
"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." (Romans 13:8 WEB)
May God bless your friend and guide him through this challenging time.