My name is Raza Hoseni and I am 42 years old.

3 months ago, I was drowning in $847,000 of debt with no way out.

My import export business that I had built over 15 years in Los Angeles had completely collapsed because of the sanctions war between President Trump and the Iranian regime.

Creditors were calling me every hour.

My wife was crying every night.

My two children had no idea we were about to lose everything.

I had tried everything Islam taught me about getting out of debt.

I prayed five times a day facing Mecca.

I fasted beyond Ramadan.

I gave what little money I had left to the mosque.

I recited Quranic verses about provision.

I visited the imam multiple times begging for prayers.

Nothing worked.

The debt kept growing.

The pressure kept building and Allah remained silent.

It’s then a Christian man I barely knew told me about a psalm in the Bible.

He said, “If I read it for just 3 days, something would break in the spiritual realm.

I thought he was crazy.

I am Muslim.

We do not read the Bible.

That is sherk associating partners with Allah.

That could send me to hell.

But I was so desperate, so completely broken that I decided to try it anyway.

” I read Psalm 37 out loud for three consecutive days, following exact instructions this man gave me.

And I am not exaggerating when I tell you this.

Within 72 hours of finishing that third reading, my debt situation completely turned around.

Money came from places I never expected.

Opportunities opened that made no sense.

Creditors who were threatening to sue me suddenly agreed to settlements I could afford.

Within 3 weeks, my debt went from $847,000 to zero.

It’s completely gone.

I posted my testimony on social media thinking maybe a few friends would see it.

Instead, it went viral.

Millions of views, thousands of comments from Muslims asking how they could do the same thing.

Hundreds of messages from Iranians facing financial destruction because of sanctions, desperate for hope.

And that is when I realized this was not just about my debt.

This was about something much bigger.

Jesus Christ had broken into my life, answered a prayer that Allah never answered, and given me a story that could set other Muslims free.

But before I tell you which psalm it is and exactly how to read it so it works for you, I need to tell you my full story.

Because if you understand how deep my debt was and how impossible my situation looked, you will believe that the same breakthrough can happen for you.

That I was born in Thran, Iran in 1983, right in the middle of the Iran Iraq war.

My father owned a small textile business and my mother was a homemaker.

We were a typical middle-class Shia Muslim family.

My parents made sure I memorized portions of the Quran as a child.

We prayed together.

We fasted during Ramadan.

We observed all the Islamic holidays.

I grew up believing that if you followed the rules of Islam, if you prayed enough and gave enough charity and lived morally, Allah would bless you.

That was the deal.

Obedience equals blessing.

I believe that completely.

When I was 19 years old in 2002, my father used his savings and his business connections to send me to the United States to study.

He wanted me to get an American education and then come back to help grow the family business in Iran.

I arrived in Los Angeles with $2,000 in my pocket, broken English, and huge dreams.

I enrolled in community college and worked three jobs to pay for my classes and living expenses.

I washed dishes at a Persian restaurant in Westwood.

I stocked shelves at a grocery store at night.

I did delivery driving on weekends.

It was exhausting, but I did not mind.

I was in America, the land of opportunity, and I was going to make something of myself.

After finishing community college, I transferred to California State University, Northridge, and got my degree in business administration.

During my college years, I started noticing something.

There were many other Iranians in Los Angeles and many of them were involved in import export businesses.

They would bring Persian rugs, saffron, pistachios, dried fruits, and other Iranian products into the United States and sell them to the large Iranian community in Southern California.

The profit margins were good because these products were in high demand among Iranians living in America who wanted a taste of home.

I thought, why not start my own import export business? I knew the culture.

I spoke Farsy.

I had family connections back in Iran who could source products.

And I was young, hungry, and willing to work harder than anyone else.

So in 2008, at age 25, I started Caspian Trading Company.

It was just me, a small warehouse I rented in Van NY, and a used truck I bought for deliveries.

I started small importing Persian rugs and saffron from suppliers in Iran that my father connected me with.

I would drive around to Persian grocery stores, restaurants, and shops in Los Angeles, Orange County, they and even up to the Bay Area selling my products.

The first year was brutal.

I made almost no profit after expenses.

But I kept pushing.

I prayed to Allah every day for success.

I asked him to bless my business and slowly things started to grow.

By 2010, I had three employees and a bigger warehouse.

By 2012, I was importing not just rugs and saffron, but also dates, pistachios, ceramics, and decorative items.

I had customers all over California and was starting to ship to other states.

By 2015, Caspian Trading Company had 12 employees, a fleet of delivery trucks, an annual revenue of over $3 million.

I was living the American dream.

I bought a house in Enino.

I married a wonderful Iranian woman named Ila who I met through family friends.

We had two beautiful children, a son named Amir and a daughter named Yasmin.

I drove a Mercedes and I took my family on vacations.

I sent money back to my parents in Tehran.

I felt like Allah had blessed me because I had been faithful, because I prayed, because I followed the rules.

But everything changed in 2018 when President Trump withdrew the United States from the Iran nuclear deal and re-imposed harsh economic sanctions on Iran.

Suddenly, doing business with Iranian suppliers became extremely complicated and in many cases illegal.

The sanctions targeted Iranian banks which made it nearly impossible to transfer money for products.

They restricted what could be imported from Iran.

The value of the Iranian realal collapsed, which drove up the cost of products, and the political tension between the US and Iran made American customs officials scrutinize anything coming from Iran with extreme suspicion.

A shipments that used to clear customs in days were now held for weeks or months.

Some shipments were seized entirely.

Banks that used to process my international transactions started freezing accounts or refusing to work with anyone dealing with Iran.

It became a nightmare.

I tried to adapt.

I started sourcing some products from other countries like Turkey and Afghanistan to avoid the Iran sanctions, but the quality was not the same and my customers knew it.

Iranians wanted authentic Persian products, not substitutes.

I tried using third party intermediaries to get products from Iran, going through companies in Dubai and Turkey, but that added layers of cost and complexity that destroyed my profit margins.

I tried switching to a completely different product line that had nothing to do with Iran.

And but I had no expertise or connections in those markets.

Every direction I turned, I hit a wall.

And while I was struggling to figure out how to save my business, my expenses kept piling up.

I still had a warehouse lease, employee salaries, truck payments, insurance, and all the other overhead costs of running a business.

I had taken out business loans when times were good to expand my warehouse and buy more inventory.

Those loans now had monthly payments I could not afford.

I had personally guaranteed those loans, which meant if the business could not pay, I was personally responsible.

I started using credit cards to cover business expenses.

Thinking this was just a temporary problem and things would turn around soon.

But they did not turn around.

By 2019, my revenue had dropped by 60%.

I had to lay off most of my employees.

I sold some of my delivery trucks.

I stopped taking a salary and started draining my personal savings to keep the business alive.

By 2020, COVID hit and made everything worse.

The few customers I had left stopped buying because they were dealing with their own financial struggles.

My warehouse sat mostly empty and the debt kept growing.

By early 2025, I was $847,000 in debt.

Let me break that down for you so you understand how impossible my situation was.

I owed $420,000 on business loans from three different banks.

I owed $180,000 on credit cards that I had maxed out trying to keep the business running.

I owed $95,000 to suppliers who had shipped me products that I had not been able to sell or pay for.

I owed $87,000 in back rent on my warehouse.

I owed $48,000 to the IRS in unpaid business taxes.

Yeah.

and I owed $17,000 to various other creditors, attorneys, and collection agencies.

The calls never stopped.

Every day, my phone rang from morning until night.

Creditors, collection agencies, lawyers threatening to sue me.

I stopped answering my phone.

I stopped checking my email.

I could not face it anymore.

My wife, Ila, knew things were bad, but she did not know how bad until I finally broke down and told her the full amount.

She cried for hours.

She asked me how we let it get this bad.

She asked what we were going to do.

I had no answer.

We were about to lose our house.

We had stopped making mortgage payments because I was trying to keep the business afloat.

The bank sent us foreclosure notices.

My children, who were 8 and 10 years old, had no idea their whole world was about to collapse.

How do you explain to your kids that you failed, that you lost everything, that you might end up homeless? I felt like the biggest failure as a husband, as a father, as a man.

And the worst part was the shame I felt in the Iranian community.

In Persian culture, business success is everything.

Your reputation, your honor, your family standing, all depend on your financial success.

Everyone knew I had built a successful business.

Everyone knew I drove a Mercedes and lived in a nice house.

But now everyone was starting to hear that Ray’s business had failed, that he was in massive debt, that he might have to declare bankruptcy.

I could see it in people’s eyes at the mosque, the whispers, the pity, the judgment.

Some people avoided me entirely.

I felt like I was wearing my failure like a sign around my neck everywhere I went.

I I stopped going to the mosque because I could not face people.

I isolated myself.

I fell into deep depression.

I turned to the one place I thought could help me, Islam.

I increased my prayers from five times a day to seven or eight times.

I would wake up at 3:00 a.

m.

and pray Tahajjud, the night prayer, begging Allah to intervene in my situation.

I recited ayatul kuri over and over, believing it would bring protection and provision.

I went to the mosque every Friday without fail and listen to the imam preach about trusting Allah’s plan.

I gave saddaka, charity, even though I had almost nothing left.

The imam told me that giving charity opens the doors of provision.

So I would give $20 or $50 to the mosque, money I desperately needed for food, hoping Allah would see my sacrifice and reward me.

I fasted on Mondays and Thursdays in addition to Ramadan.

Following the example of Prophet Muhammad, I thought if I showed Allah how serious I was, how devoted I was, surely he would answer my prayers and save me from this debt.

But nothing changed.

Absolutely nothing.

The debt kept growing because of interest and late fees.

The creditors kept calling.

The threats kept coming and Allah remained completely silent.

I started questioning everything I had been taught.

Why was Allah not answering me? I had been a faithful Muslim my entire life.

I prayed.

I fasted.

I gave charity.

I did not drink alcohol.

I did not eat pork.

I followed all the rules.

So where was Allah now when I needed him most? The imam told me to be patient.

That Allah tests those he loves.

That my suffering was purifying me.

But I did not want to be purified.

And I wanted my debt to be gone.

I wanted my family to be secure.

I wanted relief.

And after months of desperate prayers with no answer, I started to feel angry.

Angry at Allah for abandoning me.

Angry at Islam for promising blessings that never came.

Angry at myself for believing the lie that obedience equals prosperity.

One afternoon in late September 2025, I was sitting in my nearly empty warehouse staring at unpaid bills spread across my desk when a man walked in.

His name was David Martinez.

He was a Christian who owned a logistics company nearby and we had done some business together years ago when my company was thriving.

I had not seen him in at least 2 years.

He walked in, looked around at the empty warehouse and said, “Raza, what happened?” I tried to brush it off, said business was slow, but he could see right through me.

And he sat down across from me and said, “Tell me the truth.

” So I did.

I told him everything.

The sanctions, the collapse of my business, the $847,000 in debt, the foreclosure notices, the shame, the unanswered prayers.

Everything just poured out of me.

And when I finished, I expected him to offer some useless advice or tell me he would pray for me and then leave.

But instead, he said something that shocked me.

He said, “Raza, I am going to tell you something that might offend you because you are Muslim, but I believe it could save your life.

What you need is not more prayers to Allah.

What you need is Jesus Christ.

” I felt my face get hot.

I started to get defensive.

I said, “I respect your faith, David, but I am Muslim.

We believe Jesus was a prophet, but he is not God.

I cannot pray to him.

That is sherk.

That is the one unforgivable sin in Islam.

” David nodded and said, “I understand, but let me ask you something.

You have been praying to Allah for months about this debt, right? Has he answered? Has anything changed?” I sat there in silence because the answer was obvious.

No, nothing had changed.

David continued, “I am not trying to disrespect your religion, Reza, but I am telling you from my own experience and from what I have seen happen to others.

Jesus actually answers prayers.

Not sometimes, not eventually, he answers.

And there is a specific psalm in the Bible that breaks financial bondage.

I have seen it work for people who were in impossible debt situations just like yours.

I was skeptical, but I was also desperate.

Desperate people do things they would never normally do.

So, I asked, “What psalm?” David pulled out his phone and opened a Bible app.

He scrolled to Psalm 37 and handed me the phone.

“Read this,” he said.

I looked at the screen.

It was the first time in my life I had ever read anything from the Bible.

In Islam, we are taught that the Bible has been corrupted, that it is not reliable, that only the Quran is the pure word of God.

But as I read the words of Psalm 37, something stirred inside me.

The psalm talked about not fretting because of evildoers, about trusting in the Lord, about the righteous not being forsaken, about God providing for his people.

Verse 21 said, “The wicked borrow and do not repay, but the righteous show mercy and give.

” Verse 25 said, “I have been young and now I’m old.

Yet I have not seen the righteous forsaken or his descendants begging bread.

” These were promises I had never heard in Islam.

promises that felt personal, specific, like they were written directly for my situation.

David said, “Here is what I want you to do for the next 3 days.

Read Psalm 37 out loud at the same time each day.

Do not just read it in your head.

Speak it out loud.

And when you read it, read it as a declaration, not as begging.

Read it believing that these promises apply to you, that God is going to break the bondage of debt over your life.

” I looked at him like he was crazy.

I said, “David, I am Muslim.

I cannot read the Bible out loud.

That is forbidden.

If my wife finds out, if anyone at the mosque finds out, they will think I am committing apostasy.

Do you know what the punishment for apostasy is in Islam?” Death.

I could be killed for this.

David said calmly, “Raza, you are not in Iran.

You are in America.

No one is going to kill you for reading a psalm.

And honestly, what do you have to lose? You have prayed to Allah for months with no result.

You are about to lose everything anyway.

What is the worst that can happen if you try something different? But what if it works? What if Jesus actually answers? I sat there wrestling with fear and desperation.

Everything in my Islamic upbringing screamed that this was wrong, that I was about to commit sherk, that I would be cursed for reading the Bible and calling on Jesus.

But another part of me, the part that was drowning in debt and could not take another day of the pressure, said, “What if David is right? What if Jesus actually answers?” I thought about my wife crying every night.

I I thought about my children who were about to lose their home.

I thought about the shame, the creditors, the constant fear, and I made a decision that would change my life forever.

I said, “Okay, I will do it.

I will read this psalm for 3 days, but I am only doing this because I have no other option.

” David smiled and said, “That is all God needs, your willingness.

” He told me to start that evening, to read it out loud before I went to bed and to do the same thing at the same time for the next two nights.

Then he prayed for me right there in my warehouse.

He prayed to Jesus, asking him to break the bondage of debt over my life, to open doors, to provide miraculously.

It felt strange hearing someone pray to Jesus as if he were God, but I let him finish.

after David left.

Now I sat alone in my warehouse holding my phone with Psalm 37 open on the screen.

My hand was shaking.

I felt like I was about to cross a line I could never uncross.

In Islam, there is no sin greater than sherk associating partners with Allah.

And here I was about to read a Bible psalm and potentially call on Jesus which Islam says is absolutely forbidden.

But I was so broken, so desperate that I did not care anymore.

I thought if Allah has not answered me after all these months, maybe he is not listening.

Maybe I need to try something else.

That night, I waited until my wife and kids were asleep.

I locked myself in my home office.

I opened the Bible app on my phone to Psalm 37.

My heart was pounding.

I felt guilty, terrified, but also strangely hopeful.

I took a deep breath and began to read out loud.

Dee, do not fret because of evildoers, nor be envious of the workers of iniquity.

My voice was shaking, barely above a whisper.

I kept reading, “Trust in the Lord and do good.

Dwell in the land and feed on his faithfulness.

” As I read those words, something happened that I cannot fully explain.

I felt a presence in that room.

Not a scary presence, but a peaceful one.

It was like someone was listening.

Someone was there.

I kept reading through the entire psalm and when I finished I sat in silence.

Then I did something I never thought I would do.

I prayed to Jesus.

I said, “Jesus, I do not know if you are God like Christians say.

” But David told me, “You answer prayers.

I need help.

I am drowning in debt.

Please, if you are real, if you can hear me, help me.

” And that was it.

Day one was done.

The next morning, I woke up and nothing had changed in the natural world.

The debt was still there.

The bills were still on my desk.

The creditors were still calling.

But something had shifted inside me.

I cannot explain it clearly, but I felt lighter somehow, like a small portion of the crushing weight I had been carrying had lifted during the night.

I went through my day trying not to think too much about what I had done the night before.

Part of me felt guilty, like I had betrayed Islam.

Part of me felt foolish, like I had fallen for some Christian trick.

But another part of me, a part I tried to ignore, felt hopeful.

That evening, I waited again until my family was asleep.

I locked myself in my office, opened Psalm 37 on my phone, and began reading out loud for the second time.

This time, my voice was steadier.

The words felt more familiar.

As I read, I paid closer attention to specific verses that seemed to jump off the screen and speak directly to my situation.

Verse 25 hit me hard.

I have been young and now I’m old.

Yet I have not seen the righteous forsaken or his descendants begging bread.

I thought about my children, about the shame I felt for potentially leaving them with nothing.

And here was a promise that the righteous would not be forsaken, that their children would not beg.

I wanted to believe it so badly.

Verse 26 said, “He is ever merciful and lends and his descendants are blessed.

” I read that line three times.

The righteous person becomes a lender, not a borrower.

That was the complete opposite of my current situation.

I was drowning in debt, a slave to my creditors.

But this verse promised a reversal.

Yeah, it promised that I could move from being a debtor to being someone who lends, someone who is blessed.

The idea seemed impossible, but I spoke it out loud anyway.

I declared, “I will be a lender.

I will be blessed.

My debt is ending.

” My voice got stronger as I read through the rest of the psalm.

When I finished reading, I prayed to Jesus again.

This time, my prayer was longer and more personal.

I said, “Jesus, I do not fully understand who you are yet.

” I was taught my whole life that you are just a prophet, not God.

But something is happening inside me.

I feel like you are listening in a way Allah never did.

I am asking you to break this debt.

I cannot do it myself.

I have tried everything.

Please help me.

After I prayed, I sat quietly for a few minutes.

Then something strange happened.

I felt an urge almost like a voice in my mind all telling me to give something away.

It made no sense.

I was in massive debt.

I had barely any money left.

Why would I give anything away? But the urge would not go away.

I remember David had not told me to do this, but somehow I knew I needed to obey this prompting.

I opened my wallet and found two $20 bills.

That was almost all the cash I had.

until my next tiny bit of income came in.

The logical part of my brain said, “Keep it.

You need it for gas and food.

” But I felt strongly that I needed to give it.

The next morning, I went to a small Persian bakery near my warehouse.

There was an older Iranian woman who worked there, a widow whose husband had died a few years ago.

I knew she struggled financially.

I handed her the $40 and said, “This is for you.

I know things are hard.

” She looked shocked and tried to refuse, but I insisted.

As I walked away, I felt something break inside me.

It was the grip of fear and scarcity.

For months, I had been holding on desperately to every dollar, terrified of losing everything.

But in that moment of giving, even though it made no logical sense, I felt free.

I felt like I was declaring through my action that I was not controlled by debt, that I trusted provision was coming.

That evening was day three, the final day of the 3-day cycle.

I was more eager this time.

I did not wait until everyone was asleep.

I told my wife I needed 30 minutes alone and went to my office.

I opened Psalm 37 and read it out loud for the third time.

And this time was completely different from the first two days.

As I read, I felt power in the words.

It was not just me reading anymore.

It felt like something greater was speaking through me, like I was partnering with a force beyond myself.

When I got to verse four, delight yourself in the Lord and he shall give you the desires of your heart.

I stopped and spoke directly to Jesus.

I said, “Jesus, the desire of my heart is to be free from this debt.

I am delighting in you right now.

I am choosing to trust you over everything I was taught in Islam.

Please give me this desire.

” I kept reading through the entire psalm.

And when I finished, I did not just pray a short prayer like the previous two nights.

I prayed for almost 20 minutes.

I thanked Jesus for listening to me.

I asked him to forgive me for ignoring him my whole life, for believing he was just a prophet when he claimed to be God.

I told him I was willing to follow him if he would save me from this debt.

Now and then, I did something David had told me to do.

I declared out loud, “My debt is ending.

This bondage is broken.

Provision is coming.

I am moving from debtor to blessed.

” When I finished, I felt completely different than I had felt 3 days ago.

The heaviness was gone.

The fear was still there in my mind, but it did not have the same grip on my heart.

I felt peace, real peace, for the first time in over a year.

I did not know how my debt would be resolved.

Nothing had changed yet in the physical world.

But something had absolutely changed in the spiritual realm.

I could feel it.

I went to bed that night and slept better than I had slept in months.

No nightmares about losing my house.

No waking up in a panic about creditors.

just deep peaceful sleep.

The 3-day cycle was complete.

Now I had to wait and see what would happen next.

David had told me that breakthrough often comes within days of completing the three readings.

He said the spiritual chains break during the three days.

Then the physical manifestation follows quickly after.

I wanted to believe him, but I was also trying to protect myself from disappointment.

What if nothing happened? What if this was all just psychological? just me feeling better temporarily, but nothing actually changing.

I pushed those doubts away and chose to believe that Jesus had heard me.

The next morning was a Thursday.

I woke up, made breakfast for my kids, and drove to my warehouse like I did every day.

Even though there was barely any business to run anymore, I was sitting at my desk, staring at my computer screen when my phone rang.

I almost did not answer because I assumed it was another creditor.

But something told me to pick up.

The voice on the other end said, “Is this Raza Hoseni?” I said, “Yes.

” The man introduced himself as Ahmad Bahrami calling from a company in Dubai called Golden Gate Trade Solutions.

He said, “Mr.

Hoseni, we have been looking for an experienced import export specialist with knowledge of the Iranian market and connections in the United States.

Your name came up through a mutual contact.

We have a business proposal for you.

Would you be available to discuss this tomorrow? I was stunned.

I had not applied for any jobs.

I had notworked with anyone in months.

I asked, “Who gave you my name?” He mentioned a man I had done business with years ago, someone I had not spoken to in at least 3 years.

Somehow my name had come up in a conversation.

And this Dubai company was now interested in hiring me as a consultant.

We scheduled a video call for the next day.

When we spoke, Ahmad explained that his company helped businesses navigate international trade regulations, especially in complicated markets like Iran.

They needed someone with my expertise to consult on several projects.

The pay he offered was stunning, $15,000 per month as a consultant, working remotely with potential for bonuses based on successful project completions.

I could not believe what I was hearing.

This was more than I had been making in the last 2 years combined.

I accepted on the spot.

But that was just the beginning.

2 days later on Saturday, I received an email from one of my largest creditors, a bank I owed $125,000 to.

They had been threatening to sue me for months.

The email said they were offering a settlement.

If I could pay $45,000 within 60 days, they would forgive the remaining $80,000 and close the account.

I read the email three times to make sure I was not misunderstanding.

This was a reduction of almost 65%.

It was unheard of.

Banks do not usually offer settlements that generous unless they think they will never collect the full amount.

But here it was in writing a way to eliminate my largest single debt for a fraction of what I owed.

I stared at that email from the bank for 10 minutes, unable to believe what I was reading.

A settlement offer of $45,000 to clear a $125,000 debt was a miracle on its own.

But the problem was obvious.

I did not have $45,000.

I barely had $500 in my bank account.

How was I supposed to come up with that kind of money in 60 days? But then I remembered the consulting job offer from the Dubai company.

They wanted to pay me $15,000 per month.

If I worked for 3 months, that would be $45,000.

It was almost like the provision was being perfectly orchestrated.

I called Ahmad in Dubai and asked if there was any way I could receive an advance on my first 3 months of consulting fees.

I explained that I had an urgent financial matter that required immediate payment.

I expected him to say no.

What company pays someone 3 months in advance before they have done any work? But Ahmad surprised me completely.

He said actually we can do that.

We have a major project starting next week that requires immediate attention.

If you can start right away and commit to working exclusively on this project for the next 90 days, uh, we will advance you $45,000 and deduct it from your monthly payments over the next few months.

I could not speak for a moment.

My throat was tight with emotion.

This was impossible.

3 days ago, I had finished reading Psalm 37 for the third time and declared that my debt was ending.

Now, less than 72 hours later, I had a high-paying consulting job and a way to settle my largest debt for a fraction of what I owed.

This was not coincidence.

This was not luck.

This was Jesus answering my prayer.

I accepted Ahmad’s offer immediately.

Within one week, the $45,000 was wired to my bank account.

I paid the settlement to the bank, and they sent me a letter confirming that my $125,000 debt was now resolved.

and the account was closed.

I sat in my office holding that letter and I wept.

I wept like a child.

All the months of stress, of fear, me of shame, of unanswered prayers to Allah.

And now in one week, everything had shifted.

My largest debt was gone.

But that was just the beginning.

The breakthroughs kept coming one after another like dominoes falling in perfect sequence.

2 weeks after I started working for the Dubai company, I received a phone call from another creditor, a credit card company I owed $42,000 to.

They had been calling me for months demanding payment, threatening to sue, adding penalties and interest that made the balance grow every month.

But this time, the person on the phone had a completely different tone.

She said, “Mr.

Hosini, we have reviewed your account and we see that you have been trying to make payments despite your financial hardship.

We are authorized to offer you a settlement program.

If you can pay $12,000, we will close this account and forgive the remaining balance.

Another massive reduction, another door opening.

I told her I would need 30 days to get the money together.

She agreed.

By the end of my second month working for the Dubai company, I had earned another $15,000.

I used $12,000 to settle that credit card debt and kept $3,000 for living expenses.

Two of my biggest debts totaling $167,000 were now completely eliminated for only $57,000.

I had paid about onethird of what I owed and the rest was forgiven.

Then something even more unexpected happened.

I received a letter from the IRS about the $48,000 I owed in back taxes.

I had been terrified of this debt because the IRS does not negotiate easily and they have the power to seize assets and garnish wages.

But the letter was not a threat.

Yes, it was an offer for an offer in compromise, which is a program where the IRS settles tax debt for less than the full amount if they determine you cannot pay.

I had applied for this program months earlier, but had heard nothing.

Now, suddenly, they were approving it.

They offered to settle my $48,000 tax debt for $15,000, payable over 12 months at $1,250 per month.

I could not believe it.

The IRS, the most feared creditor in America, was offering me a 70% reduction.

I accepted immediately and set up the payment plan.

Within 2 months of reading Psalm 37 for 3 days, my total debt had dropped from $847,000 to less than $400,000.

And the reductions kept coming.

The creditors I owed money to for unpaid supplier invoices started reaching out one by one.

Most of them were small businesses that had been hurt by my inability to pay.

I I felt terrible about owing them money.

But when I contacted them and explained my situation honestly, offering to pay what I could, almost all of them were willing to work with me.

One supplier I owed $18,000 agreed to accept $8,000.

Another I owed $22,000 agreed to $10,000 if I paid within 60 days.

A third supplier I owed $14,000 said, “Just pay me $5,000 and we will call it even.

I know the Iran sanctions destroyed your business.

It was not your fault.

These were not large corporations with settlement departments.

These were small business owners who had every right to demand full payment or sue me.

But for some reason, every single one of them showed me mercy and agreed to settlements that I could actually afford.

It was like a supernatural wave of favor was opening every door, softening every heart.

That making a way where there had been no way.

My warehouse landlord, who I owed $87,000 in back rent, could have evicted me and sued me for the full amount.

Instead, he called me and said, “Raza, I heard your business is starting to recover.

I want to help you.

If you can pay me $30,000, I will forgive the rest and give you a new lease at a reduced rate so you can rebuild.

” I almost dropped the phone.

Why would a landlord forgive $57,000? It made no business sense, but I did not question it.

I thanked him, agreed to his terms, and added that to my list of settlements to pay.

By the end of my third month working for the Dubai Company, I had earned $45,000 total.

After paying settlements to the bank, the credit card company, and several suppliers, I had eliminated over $250,000 in debt while only paying out about $80,000.

Ne, the math was impossible, but it was happening right in front of me.

Then the most shocking breakthrough of all came from a place I never expected.

I received a phone call from a business associate in Turkey named Mett.

Someone I had worked with years ago when my company was thriving.

We had lost touch after my business collapsed.

He said, “Raza, I have been thinking about you.

I heard things have been difficult.

I have a proposal.

I am opening a new import division and I need a partner who understands the American market.

I want to offer you a partnership.

I will handle all the sourcing and international logistics.

You handle the US distribution and sales.

We split profits 50/50.

And to get you started, I am going to front you $100,000 worth of inventory that you can sell.

And you only pay me back after you make sales.

No upfront cost to you.

I was speechless.

This was a complete business restart handed to me on a silver platter.

Meett was offering me premium Turkish products, rugs, textiles, home goods that I could sell to the same customer base I had built over the years, and he was financing the entire thing.

I asked him why he would take such a risk on me when my business had failed.

He said, “Because I believe in you, Raza, and because something told me I needed to make this call today.

I am not even sure why.

I just felt like I had to reach out to you.

” I knew exactly why.

It was Jesus.

It was the same force that had been opening every other door, orchestrating every breakthrough, turning my impossible situation into a testimony of supernatural provision.

Within 3 months of reading Psalm 37 for 3 days, and my debt had gone from $847,000 to under $200,000, and I had a new consulting income, a new business partnership, and a clear path to eliminate the remaining debt within 6 months.

But the most important change was not financial.

It was spiritual.

I knew without any doubt that Jesus Christ was real.

That he was not just a prophet like Islam taught.

That he had heard my prayer and intervened in my life in a way Allah never had in 42 years of being a faithful Muslim.

The financial breakthroughs were undeniable.

But they created a crisis in my soul.

For 42 years, I had been taught that Jesus was just a prophet, nothing more.

In Islam, we call him Isa.

We believe he was born of the Virgin Mary, that he performed miracles, that he will return at the end of times.

But we are taught very clearly that he is not the son of God.

Oh, that he did not die on the cross and that worshiping him is the worst sin you can commit.

Sherk, associating partners with Allah.

The Quran says in surah 572, “They have certainly disbelieved who say Allah is the Messiah, the son of Mary.

” And in surah 471, do not say three, desist.

It is better for you.

Indeed, Allah is but one God.

Exalted is he above having a son.

These verses had been drilled into my head since childhood.

To call Jesus the son of God was blasphemy.

To pray to Jesus was to guarantee yourself a place in hellfire.

But here I was watching my life transform after praying to Jesus.

After reading a psalm from the Bible, after doing exactly what Islam said would condemn me forever.

I could not ignore the evidence.

Allah had not answered me after months of desperate prayers, fasting, charity, and devotion.

But Jesus had answered me within 72 hours.

The question I could not escape was simple.

If Jesus is just a prophet with no power, how did he answer my prayer? How did all these doors open the moment I called on his name? I started researching in secret comparing what Islam teaches about Jesus with what the Bible says about him.

In Islam, Jesus is called Isa al-Masi, which means Jesus the Messiah.

But we are never told what Messiah actually means.

It means anointed one, the savior that God promised to send to rescue humanity.

Islam acknowledges that Jesus is the Messiah, but then strips that title of all its meaning by saying he was just a prophet.

The Quran says Jesus performed miracles.

healing the blind, raising the dead, creating birds from clay.

But it never explains where he got that power if he was just a man, just a prophet.

How could he do things that only God can do? Muhammad never raised anyone from the dead.

Muhammad never healed the blind.

Muhammad never created life.

So why could Jesus do these things if he was just a prophet like Muhammad? I read the Gospel of John in the Bible for the first time in my life.

In John 10:30, Jesus says, “I and the Father are one.

” In John 14:6, he says, “I am the way, the truth, and the life.

No one comes to the father except through me.

” These are not the words of a prophet.

These are the claims of someone who says he is God himself.

Either Jesus was telling the truth and he is God or he was lying and he is a false prophet.

Islam tries to have it both ways.

Saying Jesus was a true prophet but also saying he did not claim to be God.

But you cannot have it both ways.

If Jesus claimed to be God and he was not, then he was a liar and not a true prophet.

But if he was a true prophet, then his claim to be God must be true.

I realized Islam’s teaching about Jesus was incoherent.

It honored him as a prophet but rejected everything he actually said about himself.

The biggest issue was the crucifixion.

Islam teaches that Jesus was not crucified.

The Quran says in Surah 4157, “They did not kill him, nor did they crucify him, but it was made to appear so to them.

” Islam claims Allah made someone else look like Jesus and that person was crucified instead while the real Jesus was taken up to heaven.

But this makes no sense.

Why would Allah deceive people like that? Why would he let everyone believe Jesus was crucified for 600 years before Muhammad came along to say it never happened? And if Jesus did not die and rise again, day then Christianity is based on a lie.

And billions of people have been deceived.

But I had experienced the power of Jesus in my own life.

He had answered my prayer.

He had broken my debt.

How could a dead prophet do that? How could someone who never rose from the dead have power today to change lives, to answer prayers, to perform miracles? I came to a conclusion that shook everything I had ever believed.

Islam was wrong about Jesus.

The Quran was wrong.

Muhammad was wrong.

Jesus is not just a prophet.

He is the son of God.

He did die on the cross for the sins of humanity.

He did rise from the dead.

And he is alive today.

Hearing prayers, answering prayers, saving people who call on his name.

This realization terrified me because I knew what it meant.

If I accepted this truth, I was no longer a Muslim.

I was an apostate.

In Islamic law, the punishment for apostasy is death.

The prophet Muhammad said, “Whoever changes his religion, kill him.

” I was not living in Iran, where that law is enforced by the government.

But I was living in a large Iranian community in Los Angeles, where my reputation, my family, my business connections, everything depended on being a good Muslim.

If people found out I had left Islam and become a Christian, I would be shunned, rejected, possibly even threatened.

My wife Ila was a devout Muslim.

Her whole family was Muslim.

What would she do if I told her I no longer believed in Islam? Would she divorce me? Would she take my children? My parents back in Thran were elderly and faithful Muslims.

If they found out their son had become a Christian, it would destroy them.

The shame would kill them.

But I could not deny what I had experienced.

And I could not go back to pretending that Islam had the answers when Jesus had proven himself real in my life.

So I made a decision.

I would follow Jesus no matter what it cost me.

I started attending a small Persian Christian church in Los Angeles, a church specifically for Iranians who had converted from Islam.

I had no idea such churches even existed.

But when I walked in for the first time, I saw dozens of Iranians, people who looked like me, spoke Farsy like me, understood the culture like me, but who had all left Islam to follow Jesus.

Some had dramatic testimonies of visions and dreams where Jesus appeared to them.

Others had experienced miracles like mine.

Many had been rejected by their families and communities.

But they were all there worshiping Jesus and Farsy, singing songs about his love and his sacrifice.

days.

I felt like I had found my people.

The pastor’s name was Pastor Ysef.

He had been a Muslim in Iran, studied to become an imam, but encountered Jesus in a dream, and converted to Christianity.

He had to flee Iran because his life was in danger.

Now, he pastored this church in Los Angeles, helping other Iranians come to faith in Christ.

I met with Pastor Ysef privately and told him my whole story.

The debt, the psalm, the three days, the miraculous breakthrough.

He listened carefully and then said, “Raza, what you experienced is what thousands of Muslims are experiencing around the world right now.

Jesus is revealing himself to Muslims in dreams, in visions, through miracles because he loves them and wants them to know the truth.

You were not saved by reading a psalm.

You were saved by Jesus himself.

Naz who heard your cry and responded with mercy.

Now you need to make a public declaration of faith and be baptized.

I hesitated.

Public declaration meant there would be no going back, no hiding, no pretending I was still Muslim.

Pastor Ysef said, “Raza, you cannot stay in the middle.

You cannot secretly follow Jesus while publicly pretending to be Muslim.

” Jesus said in Matthew 10:32, “Whoever acknowledges me before others, I will also acknowledge before my father in heaven.

” You must choose, so I chose.

I publicly declared my faith in Jesus Christ at that Persian church.

I was baptized in water, symbolizing my old life as a Muslim dying and my new life as a follower of Christ beginning.

It was the most terrifying and the most freeing moment of my life.

Then came the hard part, telling my family.

I waited until all my debt was completely resolved.

By 6 months after reading Psalm 37, every single dollar of that $847,000 was either paid off or settled.

My credit was being rebuilt.

My new business partnership with MeT was generating steady income.

I was financially stable for the first time in years.

I knew that when I told my family about my conversion, they might accuse me of converting because of the financial blessings of using Jesus to get out of debt.

So, I waited until the crisis was over to make sure my decision was clearly about faith, not desperation.

One evening, I sat down with my wife, Ila, and told her everything.

I told her about reading Psalm 37, about praying to Jesus, about the breakthroughs, about my conclusion that Jesus is God, about my baptism.

She stared at me in complete shock.

Then she started crying.

I She said, “Raza, do you know what you have done? You have left Islam.

You are an apostate.

You have condemned yourself to hell.

How could you do this to our family?” I tried to explain, tried to show her all the evidence, tried to tell her that Jesus had done what Allah never did.

But she would not listen.

She was too hurt, too angry, too afraid of what this meant for her and our children.

Ila did not leave me immediately, but our marriage became very difficult.

She stopped praying with me.

She would not talk about faith anymore.

She took our children to the mosque every Friday and made sure they continued their Islamic education trying to protect them from my influence.

Her family found out within weeks and they called me yelling saying I had brought shame on everyone that I was going to hell.

Awe that I had betrayed my ancestors and my culture.

My parents in Thran were devastated when they heard.

My father called me crying, begging me to come back to Islam, saying I had broken his heart.

My mother refused to speak to me at all.

Friends from the Iranian community stopped doing business with me.

People I had known for 20 years would not return my calls.

I was completely cut off from the community that had been my entire social world.

But I could not go back.

I had experienced Jesus too powerfully to deny him now.

And the more I studied the Bible, the more I understood why Jesus had to die on the cross and why Islam’s rejection of the crucifixion was the biggest lie keeping Muslims in bondage.

The Bible teaches that all human beings have sinned and fallen short of God’s glory.

Sin creates a separation between us and a holy God.

The penalty for sin is death, an eternal separation from God.

No amount of good works, prayers, fasting or religious rituals can pay that penalty because our good works are tainted by sin.

We cannot save ourselves.

That is why God himself had to become human in the person of Jesus Christ, live a perfect sinless life, and then die on the cross as a sacrifice to pay the penalty for our sins.

When Jesus died, he took our punishment.

When he rose from the dead 3 days later, he defeated death and opened the way for us to be forgiven and reconciled to God.

Salvation is not earned by our works.

It is received as a free gift through faith in what Jesus did for us.

This is the gospel, the good news that Islam completely rejects.

Islam teaches that you must earn your way to paradise through good deeds.

It that your good and bad deeds will be weighed on a scale on judgment day.

And if your good outweighs your bad, maybe Allah will let you into paradise.

But there is no certainty, no assurance, no peace.

You never know if you have done enough.

I had lived that way for 42 years.

Always trying to earn Allah’s favor, always wondering if I was good enough, always afraid of judgment.

But Jesus offers something completely different.

Certainty, assurance, peace.

When you accept Jesus as your savior, you are saved completely, permanently, eternally.

Not because of what you did, but because of what he did.

That truth set me free from the bondage of trying to earn my salvation.

Now, I want to speak directly to you, especially if you are a Muslim facing financial crisis and debt like I was.

What I experienced can happen for you, too.

But you need to understand some very important things.

First, this is not magic.

Reading Psalm 37 is not like rubbing a lamp and getting three wishes from a genie.

This is about encountering the living God through his word and his son Jesus Christ.

The power is not in the psalm itself.

The power is in Jesus who hears you when you call on him.

Second, Jesus is not just interested in solving your financial problems.

He wants to save your soul.

The debt breakthrough I experienced was Jesus’s way of getting my attention, of showing me that he is real and that Islam had been lying to me.

The financial miracle led me to the much greater miracle of salvation.

So, if you read this psalm and experience breakthrough, do not stop there.

Let it lead you to Jesus himself.

Third, be prepared for spiritual warfare.

When a Muslim starts reading the Bible and calling on Jesus, there will be resistance.

You will feel fear, guilt, confusion.

You will hear voices in your mind saying you are committing sherk, that you are going to hell, that you are betraying your family and your faith.

That is spiritual opposition trying to keep you in bondage.

You must push through it.

The freedom on the other side is worth it.

Now, let me tell you exactly how to read Psalm 37 so that it works for you.

First, timing is critical.

You must read it at the same time each day for three consecutive days.

I recommend early morning or late at night when you can be alone and undisturbed.

The key is consistency.

Same time, three days in a row.

If you miss a day, you must start over.

Second, read it out loud, not silently.

Spoken words have power.

When you speak God’s word out loud, you are releasing it into the atmosphere.

You are declaring truth over your situation.

Stand if you can while you read.

Standing is a posture of authority.

You are not begging.

You are claiming what God has promised.

Third, read it slowly and intentionally.

Do not rush through it like you are just checking off a religious duty.

Pause at verses that speak to your specific situation.

Let them sink deep into your heart.

Verses 21, 25, and 26 are especially powerful for debt breakthrough.

Read them multiple times.

Declare them over your life.

Fourth, read with faith, not desperation.

This is the most important part.

You are not begging God to maybe help you if he feels like it.

You are aligning yourself with promises he has already made.

You are declaring that these promises apply to you.

I read as someone claiming their inheritance, not as a beggar hoping for scraps.

During the three days, you must also take three specific actions.

Action one, give something away each day even though you are in debt.

This breaks the scarcity mindset that keeps you in bondage.

On day one, give money to someone who needs it, even if it is just $5.

On day two, give food, time, or help to someone.

On day three, give something of value you have been holding on to.

Give as worship, as declaration that you trust God’s provision more than you fear lack.

Action two, speak your debts end out loud daily.

After reading the psalm each day, make a declaration.

Say, “My debt is ending.

Provision is flowing toward me.

I am moving from borrower to blessed.

Use your own words, but speak it with conviction.

Oh, you are calling things that are not as though they are.

Action three, write down every specific debt and pray over the list.

On day one, write out every debt with the creditor’s name and amount.

On day two, hold that list while you read the psalm.

Then pray specifically over each debt.

On day three, declare over each debt, this debt is ending.

Provision is coming for this specific amount.

Going through every item, speaking over each one, exercises dominion over your situation instead of letting it dominate you.

After you complete the 3 days, take three more actions immediately.

Action one, within 24 to 48 hours, take one practical step toward debt reduction.

Contact a creditor to negotiate, sell something, cut an expense, apply for help.

Movement creates momentum.

Action two, create a debt elimination timeline.

You bolt write down each debt with a target payoff date.

Post it somewhere visible.

What you focus on grows.

Action three, begin daily gratitude for provision.

Thank Jesus every day for the breakthrough that is coming, even before you see it physically.

Thanksgiving positions you to receive.

Now, if you do all of this and you experience breakthrough like I did, you need to understand what that means.

It means Jesus is real.

It means he heard you and answered you.

It means Islam lied to you about who he is.

You will have a choice to make.

Will you accept the blessing but reject the one who gave it? Or will you follow the evidence to the truth even if it costs you everything? I chose to follow Jesus and it cost me my reputation.

many of my friendships, my standing in the Iranian community, and the peace in my marriage.

M but what I gained was infinitely greater.

I gained salvation, certainty, peace with God, and a purpose bigger than myself.

If you are ready to accept Jesus as your savior, pray this prayer out loud right now.

Jesus, I believe you are the son of God.

I believe you died on the cross for my sins and rose from the dead.

I confess that I am a sinner who cannot save myself.

I have been trying to earn heaven through my own works, but I know now that is impossible.

I need you to save me.

Forgive all my sins.

Wash me clean with your blood.

Come into my heart and be my Lord and Savior.

I turn away from Islam and I choose to follow you alone.

Thank you for loving me and dying for me.

In your name I pray.

Amen.

If you prayed that prayer sincerely, you are saved, not because you earned it, but because Jesus paid for it.

You have crossed from death to life, from bondage to freedom.

Now find a church, get baptized, read the Bible daily, and tell others what Jesus has done for you.

My testimony went viral because Muslims around the world are desperate for hope, desperate for breakthrough, desperate to know if there is a God who actually answers prayers.

I am here to tell you there is.

His name is Jesus Christ.

He is not just a prophet.

He is the savior and he is waiting for you to call on him.

Do not wait.

Read Psalm 37 for three days starting today.

Follow the instructions exactly and watch what Jesus does in your life.

Time is running out.

The door of grace is open now, but it will not stay open forever.

Choose Jesus