Namaste NYK
Oddly, the recent conversation I had with "David the Hindu" (Devananda - see my post 'Secret to True Wealth') was perfect timing for your story.
There IS instant karma, but none of your story has anything to do with Shiva, I just asked Him and He told me so.
You continue on using your judgement as you see fit, it is your own soul (or what some call "brain") because you are not a slave. You can become a "slave of Gauri" (Devi) but that is a different matter than you understand at this time, but you can never become a slave of Siva (nor a puppet either, pushed one way or here and there), Siva has no one but those who are free.
Basically, either you are posting this to ask for "help" or you just want to blame Siva for something because you are looking at huge debt and a night in jail, so I suppose you will tune me out as soon as I talk (or even brag) about myself but "whatever".
Let me just call your post a "frustrated howl in the night" (funny... Siva may like that howl part, in His Vedic Name as Rudra He is the "Howler"). You seek a response, but just to let you know how this is going to work, YOUR prayers to Shiva for a Monopoly "Get out of Jail" card isn't going to work, all He's going to do is hold His skull cap begging bowl out to you for a token and if you are burned to ashes He might smear some of the ash on Himself.
He won't be bothered with THAT PRAYER, that is "not cool", HOWEVER if OTHERS pray for you to Shiva then He just might get you out of jail.
Get it?
He is going to say, "See, these Sadhakas do not pray to get out of jail, They pray to free someone else. Hmmmm... ok"...
Now that is not 100 percent true. You CAN "pray for yourself", but it is more tapas than prayer. Meaning, for example, you could stand on one leg for a long time, or live covered in a termite mound, and Shiva might give you a "boon".
But the boon isn't a "get out of jail" card, it is a "power" or a siddhic ability. But then it is STILL up to you to use the "power" to get out of jail. YOU are not a slave, YOU have to do it, You or you may screw it up also and instead of getting out of jail you get yourself a gold chariot from a Sura, crash it in the sky and go to jail anyway (what an idiot).
I might pray for you, or others, anyway... back to myself which you are not interested in.
Funny you noted the church guy, I had the sort of same thing happen to me but in the opposite direction. There have been, well rough estimate, probably a 100 Christians or more who were blaming everything on God and Jesus, mostly is was often debt or money or bad health. After hanging around in my and other company, having a wonderful time with adventures, they then said "Siva helped me after hanging with you" as if Jesus was "mean" and Siva "wasn't". What idiots. I didn't bust their balloon or nothing, just said things like "I am glad blessings have helped you", but really they only helped themselves and I sort of let them know that, too. There is no such thing as "mean".
Now my personal ambition, which probabaly will come to fruit soon, is to be a Gana in Siva's army under the command of Ganapati. But even the Ganas are not slaves they are soldiers, they may be given marching orders and any soldier who does not follow orders can be court martialed, but such soldiers do not have "bad things put on them" by Siva or wacked here or there like they are puppets, it doesn't work that way. But just to cut to the chase, even though I am "rich" I live very simple, and since young have travelled all over the world (I have relatives by the way in Australia, actually most Aussies are not "whimps" certainly not my relatives but I have both "white" and Indian relatives in Australia and all over actually, neither are "whimps" ever and family is important), but I am really pretty much interested in travel to India, Nepal, Indonesia, like that (but I love UK and besides South India will probably be heading to Holland soon) and the point is there are a lot of folks way off in a worse way than you in the world and they still love Divine Ones, frankly a thousand times worse than your laughable "issues" and no I don't "feel sorry" for you (you can hang up now if you like, but just have a little fun please), but I am basically known that I am not about that nor "rescue" or such, I am about running around with good companionship, devotees, family and having Hindu fun and adventures.
These adventures included and include sleeping on mats in a shed, god-forbidden hotel hells with bugs crawling on the walls and even crawling on me (ever see a 4 inch stinging centipede in Orissa?) and stinking black "water", but loving the devotees around me. Funny, while I have had plenty of crazy things happen un India for example, the only "assault" that ever haplened to me was in Italy when I was mugged by gypsies but I beat the buggers off with my umbrella.
I love all these moments. When you are about to die, you will mostly tell these one's and then laugh and kiss everyone, then you burn up your body and throw it in the Ganga.
You have to lighten up and start having fun. When the cops come, it is only a game. You are not suffering. One I had a Sikh open a briefcase full of rupees in bands in front of me and a Hindu friend (white guy friend) in Delhi, he wanted to tell us about "Khalistan" and if we could help. We didn't help, but that was one of the most craziest taxi rides I ever had. Then some other guy, which another guy I knew who knew this other guy, well the other guy gets blown up in a Delhi bathroom by some nut terrorists. The other guy is dead, so you haven't been blown up yet so things are "good". I remember coming out of a Greek bank on the first floor of a 3 story office complex, then 10 minutes later an Islamic Terrorist from Cyprus shot a shoulder mounted rocket into the second floor above the bank which was a Greek guvernment office and blew the crap out of the top part of the bank and then the screaming sirens of ambulances, police, etc., but it could have been me or my friend, but life's good. Today I laugh. I laugh a lot. I will laugh for you.
Om Namah Sivaya