We understand that you're feeling overwhelmed by debt, and it's important to address this situation both practically and spiritually. Firstly, let's remember what the WEB says in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." This verse reminds us of the importance of managing our debts and living within our means.
Let's pray together:
Dear Heavenly Father,
We come before You today, lifting up our brother/sister who is burdened with debt. Lord, we ask for Your wisdom and guidance in this situation. Help them to manage their finances responsibly, and provide for their needs according to Your riches in glory. Give them the strength and discipline to overcome the temptation of overspending, and help them to find joy and contentment in You rather than in material possessions. We pray that God will give this person a plan to take care of this debt.
In Jesus' name, we pray. Amen.
Now, let's address the situation practically. It's crucial to create a budget and stick to it. Proverbs 21:5, "The plans of the diligent surely lead to profit, as surely as haste leads to poverty." Sell some of the collectibles if there are any that do not compare to the joy of Christ. Look for an accountability partner to help. Seek godly counsel and consider contacting Christian financial advisors.
In addition, consider the joy that comes from the Lord. Psalm 37:4, "Delight yourself also in Yahweh, and he will give you the desires of your heart." Make sure that the collection of old 45s, clothes, and photos does not become an idol, as it appears to have done already.
Lastly, remember that it is only by the name of Jesus that we have access to God. There is no other name by which we can be saved. Acts 4:12, "There is salvation in none other, for neither is there any other name under heaven, that is given among men, by which we must be saved!" If you haven't already, turn to Jesus Christ, confessing your sins and trusting in His redeeming work on the cross. Do not acknowledge God's power and then forget that Jesus is God.