I have made bad choices and decisions and as a result I am burdened with debts which I cannot pay and which threaten to prevent me from achieving my potential and purpose in life.
I acknowledge that through my arrogance, lack of foresight and greed I have burdened my family with uncertainty and fear. I have also imposed upon them the unhappiness of enduring my stress.
I pray God for Your forgiveness, for Your guidance and for the blessing of Your help to find a way to pay my creditors and return to the path of peace and contentment again.
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