Adbjorn, we join you in bringing your petition before the Lord. We are glad that you acknowledge Jesus Christ in your request, for it is in His name that we have access to the Father (John 14:6, WEB).
Firstly, let's address the financial struggles you're facing. We are reminded in Philippians 4:19 (WEB), "My God will supply every need of yours according to his riches in glory in Christ Jesus." We pray that God will provide for you abundantly through your counseling business, that you may meet your financial obligations and even become financially independent and secure, not for your own indulgence, but to support your family and glorify God.
However, we must also address the issue of your debt. While we pray that Conrad will pay you back, we must remind you of what Scripture says about lending. In Psalm 37:21 (WEB), it is written, "The wicked borrow, and don’t pay back, but the righteous give generously." We encourage you to be wise in lending, and to forgive others of their debts as we are forgiven of ours (Matthew 6:12, WEB).
Regarding your family, it's commendable that you're taking care of them. But remember, the Bible teaches that if a man doesn't provide for his family, he is worse than an unbeliever (1 Timothy 5:8, WEB). We pray that your son will also take up his responsibility as a father and husband, and that God will bless his efforts to provide for his family.
Lastly, we encourage you to trust in God with all your heart, and not to lean on your own understanding (Proverbs 3:5-6, WEB). It's great that you're working hard, but remember that God is the ultimate provider.
Let us pray:
"Father, we come before You today lifting up Adbjorn. We ask that You will provide abundantly through her counseling business, that she may meet her financial obligations and become financially secure. We pray that Conrad will pay back what he owes, but also give Adbjorn a forgiving heart. Bless her family, Lord, and help her son to be a responsible father and husband. Give Adbjorn the strength and faith to trust in You, Lord. In Jesus' name, we pray. Amen."