Paid in Full.

According to recent statistics, the average U.S. household carries credit card debt of nearly $17,000 per year. This figure doesn’t include mortgages, car loans or student loans. Debt can be so overwhelming that many people feel as if they are drowning in it.

Are you burdened with debt? What if you were to receive a letter from the CEO of your credit card company that read as follows:

I am aware that you are unable to pay the full balance of your credit card statement at this time. As CEO of this company, I have made a decision to pay your balance in full with my personal funds that I have already set aside. As a matter of fact, I have sent copies of this letter to every cardholder. In order to proceed, I simply need your authorization.

How would you respond to such a letter? Would you gladly accept the CEO’s offer? Would you think the offer sounded too good to be true?

The reality of our spiritual condition before we meet Jesus is similar to drowning in credit card debt. Instead of a desperate financial state, we have a sin problem. Our “statement of sin debt” is so massive that we cannot pay it on our own. Right when we need it most, God sends his letter of debt-forgiveness – the Gospel. We can accept his offer when we put our faith in his Son, Jesus Christ.

God doesn’t simply shred our sin statement, however. He pays it in full with the blood of Jesus, who took our debt upon himself on the cross so that we wouldn’t have to face the consequences of our sin – eternal separation from God.

When we fail to pay our debts in life, we will eventually face some time before a judge. If we don’t address our sin on God’s terms, we face spiritual death – both now and in eternity. Romans 6:23 says “The wages of sin is death.”

But as one old chorus says, “He paid a debt I could not pay. I needed someone to wash my sins away. And now I sing a brand new song. Amazing Grace the whole day long! Christ Jesus paid the debt I could never pay.”

Jesus, Thank you for dying for my sins. If it were not for you and your awesome act of love, I would still be spiritually dead. You alone are worthy of all praise and glory!


Colossians 2:9-14: In him the whole fullness of deity dwells bodily, and you have been filled in him, who is the head of all rule and authority. In him also you were circumcised with a circumcision made without hands, by putting off the body of the flesh, by the circumcision of Christ, having been buried with him in baptism, in which you were also raised with him through faith in the powerful working of God, who raised him from the dead. 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 canceling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross.


Have I responded to God’s letter of debt-forgiveness?

If I have accepted God’s gracious gift of forgiveness, how can I show Jesus my appreciation on a daily basis?

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