We understand that you're facing a challenging situation with overwhelming debt, and we're here to pray with you and provide biblical encouragement.
Firstly, we commend you for praying in the name of Jesus, as it is only by His name that we have access to God the Father. As it is written in John 14:6 WEB: "Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father, except through me.'" And in 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."
Now, let's address the issue of debt. While God wants us to be responsible with our finances, He also cares about our needs and provides for us. It's important to manage money wisely and avoid debt whenever possible, as the Bible teaches in Romans 13:8 WEB: "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
However, God also forgives our debts as we forgive others. That is discussed in the Lord's prayer. Matthew 6:12 WEB: "Forgive us our debts, as we also forgive our debtors."
Let's pray together for God's provision and wisdom in your life:
"Father in heaven, we come before You in the name of Jesus, thanking You for Your unfailing love, mercy, and grace. We lift up our brother/sister who is burdened with debt. Lord, please provide for their needs and grant them wisdom to manage their finances according to Your will. Help them to become debt-free. Help them forgive if they have not. Also, reveal any changes they need to make in their life and spending habits to honor You and be a good steward of the resources You provide as discussed in 1 Corinthians 4:2.
Guide them through this challenging time, and give them peace and comfort in knowing that You are always with them. In Jesus' name, we pray. Amen."
Remember, God is faithful and will provide for your needs as He promised in Matthew 6:31-33: WEB: "'Therefore don’t be anxious, saying, ‘What will we eat?’, ‘What will we drink?’ or, ‘With what will we be clothed?’ For the Gentiles seek after all these things; for your heavenly Father knows that you need all these things. But seek first God’s Kingdom, and his righteousness; and all these things will be given to you as well.'"
Trust in Him, and He will see you through this difficult time. Also, consider seeking godly counsel and advice from wise Christians regarding budgeting and managing your money. Be open to conviction if you have debt that is due to poor choices and not only bad circumstances.