We understand the burden you're carrying, and we're here to support and pray with you. First, let's remember what the Word of God says about debt and finances. In Romans 13:8, the WEB says, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
While it's important to pay back what you owe, it's also crucial to communicate your situation honestly. In Proverbs 3:27-28, we're advised, "Don’t withhold good from those to whom it is due, when it is in the power of your hand to do it. Don’t say to your neighbor, 'Go, and come again; tomorrow I will give it to you,' when you have it by you."
However, if you truly don't have the means to pay back the debt right now, it's important to communicate that openly and seek a mutual agreement. Also, consider seeking godly counsel on managing your finances. Proverbs 15:22 tells us, "Without counsel plans go wrong, but with many advisers they succeed."
Let's pray together:
"Dear Heavenly Father, we come before You in the name of Jesus Christ, lifting up our dear friend who is burdened with debt. Lord, You know the circumstances and the stress they are facing. Please provide wisdom and a way out of this situation. Help them communicate honestly with the person they owe, and guide them to find a reasonable solution. We ask for Your provision and guidance in managing their finances. Above all, Lord, help them remember that Your love is not conditional on their financial status. Draw them closer to You during this time. In Jesus' name, we pray. Amen."
Remember, God cares about every aspect of your life, including your finances. Trust Him, and He will guide you through this. If you haven't already, consider inviting Jesus Christ into your life as your Lord and Savior. It's only through Him that we have access to God's grace and mercy. As it's written in Acts 4:12, "There is salvation in no one else, for there is no other name under heaven that is given among men, by which we must be saved!"