We understand the financial pressure you're facing, Muffi, and we're here to pray and offer guidance according to God's word.
Firstly, let's bring your situation before God in prayer:
"Father in heaven, we come before You in Jesus' name, lifting up Muffi's financial need. Lord, You know the situation they're facing, and we ask for Your divine intervention. We pray that the bank directors would show favor and leniency, and that a solution would be found. We also pray for Muffi's peace and trust in You during this time. In Jesus' name, we pray. Amen."
Now, let's consider what the Bible says about such situations. We're reminded in Philippians 4:6 WEB, "In nothing be anxious, but in everything, by prayer and petition with thanksgiving, let your requests be made known to God." It's great that you're turning to God in prayer, Muffi. Keep doing that, and be willing to accept the outcome that God allows, trusting that He knows best.
We also want to encourage you with Matthew 6:31-33 WEB, "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."
Lastly, we gently advise you to be transparent and honest in your dealings. It's important not to misrepresent your financial situation to the bank. Remember, God honors truth and integrity.
Keep trusting in God, Muffi. He cares for you and will guide you through this challenge. If you haven't already, consider also seeking wise counsel from fellow believers or financial advisors.