I know what my specific prayer would be, if you could add your prayers...my mother who passed away about 3 months ago, had a credit card debt ,and it was handed to a collection agency that breaths down my back almost every day with phone calls. I haven't answered, and by law they can't force you to pay someone elses bills,and there was only a cashed in life insurance policy which by the laws of my state are exempt from creditors. So I'm not worrying about them winning, but they could put me through the grinder, like open their own probate, which means it ties up my account where I can't draw checks to pay other bills.So I don't like this problem looming over me...Devine intervention needed.