“Pastor, I’m in serious financial debts and I lose my peace the moment the people I’m owing starts calling me. I feel the worry in my heart is affecting my ability to even raise the money. What can I do?”

You’re correct. The worry in your heart each time your creditors call you can actually hinder you from raising the money to clear your debts. Worry is not a fruit of the Spirit, it’s a product of fear.

It takes faith to get God to come through for you. No matter how hard you pray to God to deliver you from debts, if the thought of your creditors still puts worry and fear in your heart, then you may not see the hand of God. On the other hand, if you still have your peace despite the prevailing threats from your creditors, then you’re on your way to clearing that debt.

Proverbs 29:25 says, “The fear of man bringeth a snare: but whoso putteth his trust in the LORD shall be safe”. A snare means a mental or psychological trap. This explains why many debtors suddenly develop suicidal thoughts. If you don’t deal with that fear, the suicidal thoughts will increase until it is able to move your body into action.

That scripture didn’t leave us in the dark on how to deal with the fear of man; it says, “… But whosoever puts his trust in the Lord shall be safe”. You’re probably about to tell me that you’ve been praying to God about it and that God has been silent. Ofcourse, God will be silent because trusting God isn’t a possibility as long as there is fear in your heart. So, let me show you a few things to do to deal with that fear:

1. REPENT

When fear becomes a snare, it simply means that the spirit of fear has gotten a hold on you. 2 Timothy 1:7 says, “For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind”. If you have a spirit that God did not give you, then the devil must have given it to you via your corporation. If that’s the case, it is wisdom to repent before God from whatever agreement you entered into with Satan.

At the point of repentance, your worry shouldn’t be about the people you owe or the things you’ve done, your worry should be the fact that you’ve dissapointed God. You’ve let the things of the world to silence the Spirit of God in you. That’s the mindset you’d take to the place of repentance. 2 Corinthians 7:10 says, “For godly sorrow worketh repentance to salvation not to be repented of: but the sorrow of the world worketh death”. You can’t genuinely repent if the basis for your sorrow is the debt you owe, repentance starts from godly sorrow.

“Lord, I messed up, I should have had faith in your Word. I was supposed to lend to nations and not borrow. But my lust and disobedience has given Satan room to oppress me. I repent of my disobedience, and I promise to always trust in your word from now. Restore your Holy Spirit within me, and let the joy of my salvation come alive again”.

That’s how to repent. If you dwell on the situation, you may eventually perish. Dwelling on the situation is not repentance, it is supplication. Luke 13:3 says, “… except ye repent, ye shall all likewise perish”. And according to 2 Peter 3:9, the Lord is not willing that any should perish, but that all should come to repentance.

Sin has a way of building strongholds around a situation. If you don’t repent from that sin, chances are that you’d never solve that problem. Repentance blots out sin and refreshes the situation so that it can be resolved. Acts 3:19 says, “Repent ye therefore, and be converted, that your sins may be blotted out, when the times of refreshing shall come from the presence of the Lord”. So if you’ve been trying to solve a problem and it feels like the problem has no end, sin may be responsible for that perpetuality. And the first thing you have to do is repent.

2. TAKE RESPONSIBILITY

Repentance does not cancel responsibility, it only brings God on your side. And according to scriptures, nothing is impossible with God.

The reason why many deptors consider suicide is because they thought it was impossible to clear their debts or fix the challenge. But no, not with God. With God, nothing shall be impossible. Approach the situation with the mind of Christ, knowing that you have God on your side.

Let 1 Corinthians 10:13 be your motivation. It says, “There hath no temptation taken you but such as is common to man: but God is faithful, who will not suffer you to be tempted above that ye are able; but will with the temptation also make a way to escape, that ye may be able to bear it”. That’s right! God has made a way for you to escape, you just have to keep pushing till you find it. Bottomline is, if you will not give up, you shall escape.

While He’s working on how to bail you out, you must take responsibility for your actions. Meet every of those loan companies or individuals you’ve taken loan from and explain your situation to them. Tell them your salary structure and be clear as to how long it will take to pay off what you owe. Ensure that what you agree to do won’t put so much pressure on you. Even if they take you to the authorities, nobody will jail you for not being able to pay back a loan. Rather, they’d ask you to draw a repayment plan and follow up to ensure you remit monthly. That’s the best that can happen. This would further alleviate fear whenever they call you. They won’t even need to call you as long as you keep your part of the agreement.

While you’re at it, strenghten your relationship with God. Study His word and find joy again. Jesus is not accusing you before the Father, He’s interceding on your behalf. The only person who could have accused you has been cast out of heaven. All will be well!

I hope this has brought enlightenment to someone.

Remain ever blessed, in Jesus precious name!

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