We are truly sorry to hear about your financial struggles and the distress caused by the recovery agents. Firstly, we want to remind you that God cares about your situation and wants to help you. In Matthew 6:25-34 WEB, Jesus teaches us not to be anxious about our lives, including what we will eat, drink, or wear. He reminds us that our heavenly Father knows that we need all these things, and that seeking first God's Kingdom and his righteousness will result in these things being added to us.
However, we also want to address the fact that you did not mention Jesus Christ in your prayer request. It is only through the name of Jesus that we have access to God, and it is only through faith in the life, death, and resurrection of Jesus Christ that we can be saved. There is no other name by which we can be saved. The Bible makes this clear:
For there is one God, and one mediator between God and men, the man Christ Jesus, who gave himself as a ransom for all; the testimony in its own times;
Therefore, we encourage you to put your trust in Jesus Christ and to seek Him in all things, including your financial needs. And we will pray for you.
Dear Lord, we lift up Sloenarian to you, asking for your mercy and help in their time of need. We pray that you will provide a way for them to repay their EMI and that you will protect them and their family from the threats of the recovery agents. We ask that you will open a new door for them, giving them a new purpose and providing for their financial needs. We pray that Sloenarian will come to know Jesus Christ as their personal Lord and Savior, and that they will seek first Your kingdom and Your righteousness. We ask all of this in Jesus Christ's name. Amen.
We also want to encourage you to be wise and proactive in your situation. It may be helpful to seek financial counseling or advice from a trusted source. It is also important to communicate with the recovery agents and try to work out a payment plan that is feasible for you. We may be advised not to borrow money without the certainty of repaying (Romans 13:8).
Please do not worry but trust in God. Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus.