Father, I have been financially disadvantaged in my dealings with X. By Your grace, I lay down my anger, frustration, disappointment, and unforgiveness. Because You guard all that is mine (Psalm 16:5), this outcome did not catch You by surprise. Help me put the loss in perspective and to remember that You can restore exceedingly and abundantly above all that I can ask or imagine (Ephesians 3:20).
Father, I need Your wisdom for how to proceed in resolving this matter—through legal channels or by simply forgiving the debt. I do not want to enable X to continue in her evil, dysfunctional, or irresponsible ways, but neither do I want to destroy her emotionally, financially, or otherwise. Show me where I may have failed to communicate or formally document my expectations. Help me to see if I set X up for failure with terms or conditions that were too vague, too onerous, or even too lenient.
O Lord, You know the current state of X’s finances and whether she has the ability to repay me now or in the future. If she has dealt with me deceitfully, convict her of her sin. Your Word declares that bread gained by deceit is sweet, but afterward the deceiver’s mouth will be full of gravel (Proverbs 20:17). I pray that X will find no satisfaction, profit, or peace in the fruit of her deception.
Give her the courage to come forward and resolve this issue in a manner that honors You. Let her not be named among the wicked who refuse to pay back what they owe (Psalm 37:21). Rather, help her to become an upright person guided by integrity (Proverbs 11:3).
Father, thank You that You have made me a lender and not a bor rower. I acknowledge that You own everything I possess (Psalm 24:1). I want to be a good, discerning steward of all You have entrusted into my care. Please do not let a root of bitterness spring up in me and stop me from helping others because of this disappointing outcome.
I submit this financial loss to You. I choose to walk in forgiveness and in the freedom-giving truth that You are the avenger of every wrong. In the name of Jesus, I pray. Amen.