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I am in debt. I need help.


Thank you for sharing your situation. I am sorry to hear about your current financial situation. I want to give you both practical advice and also hope from the Bible that God cares for you.

Regarding your financial situation I would like to recommend you seek professional advice. If you live in the UK, Australia, New Zealand or Canada there may be a Christians Against Poverty debt help centre near you that can advise you. Their website is Alternatively there are also many good government agencies that can help you.

We are not able to give financial advice other than signposting on this website as we are not trained to deal with these issues. We are also unable to give any direct financial support to individuals.

I personally used to work as a debt coach to help people out of the situation with the help of professional debt counsellors. Debt causes so much stress for the individual involved so the need to get proper help is essential. Make this a priority.

The good news is that there is life outside of this situation. You do not have to be in a debt crisis situation forever. It will come to an end one day with hard work and you will be able to get your life back on track. Continue to pray to God and ask for peace.

In the bible, God tells us to listen to good counsel and be good stewards. I believe the best thing you can do is seek professional help. The help is often free, confidential and takes the burden away.

Secondly I would like to encourage you to speak to your local Christian Church about your situation. It may be hard to disclose the situation you are in, but hopefully if you can find the courage, the Church will be able to support you through the process of becoming debt free. Do not expect financial help, but comfort, prayer and possibly some practical support with food etc. Obviously I cannot speak for each Church but if they hold the teachings of the Bible they should be able to help someone in need.

Regarding debt the Bible talks about how we owe God a spiritual debt that we cannot repay. The Good News is that on the cross Jesus paid our spiritual debt in full, for free, so we can have a new life. This is our hope as Christians.

And you, who were dead in your trespasses and the uncircumcision of your flesh, God made alive together with him, having forgiven us all our trespasses, by cancelling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross. (Colossians 2:13-14)

In summary I encourage you to contact charities and government agencies that can give you practical help and advice. I also encourage you to speak to your local church leaders who will be able to offer you support and encouragement. Finally, we all owe a spiritual debt, one that we cannot pay, but that has already been paid for by Jesus Christ on the cross. I encourage you to accept Jesus as your Lord and Saviour.

I hope this answer helps you to find peace with God through Jesus Christ. If you want to know more about what Jesus has done for you please watch the video on the main part of our site: Watch the video

I encourage you to attend a local Bible believing church and speak to the leader about your question. If you want to find a local church, our Church Finder may help you: Find a Church

Please feel free to submit a question to us or to read our answer database: Ask a Question

*All Scripture references are taken From The English Standard Version of the Holy Bible unless stated otherwise

*If anything in this answer affects you directly, then please feel free to call our confidential prayer line in the UK on 0845 4567729, where trained Christian volunteers will take your call and pray both for you and with you. If you are outside of the UK then you may submit your request for prayer on line at

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