What does “debt-free” mean to you? Paying off your mortgage, car and credit-cards? Yes, those things are nice, but being “debt-free” before God is far-better. We owe a debt of sin to God which we could never pay, not in this lifetime, not in all eternity, but God has made a way for our debt to be paid, and for us to have a right-relationship with Him. That is what I want to explore in the next little bit.

As tempting as it might be to “sugar-coat” the message of the Bible, I would not be doing you any favors if I did, and I wouldn’t be true to my calling as a minister of the Gospel either. That leaves me no option other than to tell it like it is.

Our debt…
15 Then the Lord God took the man and put him into the garden of Eden to cultivate it and keep it. 16 The Lord God commanded the man, saying, “From any tree of the garden you may eat freely; 17 but from the tree of the knowledge of good and evil you shall not eat, for in the day that you eat from it you will surely die.” (Genesis 2:15-17)

God’s command was unambiguous. If you eat it, you WILL die, but Adam and Eve ignored God’s command and brought death to mankind.

For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord. (Romans 6:23)

Restoration promised…
And I will put enmity between you and the woman,
And between your seed and her seed;
He shall crush you on the head, and you shall bruise him on the heel.” (Genesis 3:15)

Even as God prepared to evict Adam and Eve from the Garden, He was already kicking His plan of redemption for mankind into action. God could have ended that phase of His human-project in that moment, but in His grace and mercy, He promised to redeem mankind instead.

Restoration accomplished…
4 But when the fullness of the time came, God sent forth His Son, born of a woman, born under the Law, 5 so that He might redeem those who were under the Law, that we might receive the adoption as sons. (Galatians 4:4-5)

Jesus Christ is that Seed of the woman who was promised thousands of years earlier in the Garden, and He came to do for us what we can’t do for ourselves, reconcile us to God. Our reconciliation was NOT free, because God couldn’t just “forgive and forget” our debt without our debt being paid, so Jesus Christ “stepped-up-to-the-plate” to pay our debt for us. He took the full wrath of God for our sin for us, and He died the death we deserved, so that God could declare us “debt-free“.

He made Him who knew no sin to be sin on our behalf, so that we might become the righteousness of God in Him. (2 Corinthians 5:21)

13 When you were dead in your transgressions and the uncircumcision of your flesh, He made you alive together with Him, having forgiven us all our transgressions, 14 having canceled out the certificate of debt consisting of decrees against us, which was hostile to us; and He has taken it out of the way, having nailed it to the cross. (Colossians 2:13-14)

If you are in Christ, trusting in His shed-blood and finished-work ALONE for your salvation, your debt has been paid-in-full. Your debt was nailed to the Cross, and you are DEBT-FREE!

Therefore there is now no condemnation for those who are in Christ Jesus. 2 For the law of the Spirit of life in Christ Jesus has set you free from the law of sin and of death. 3 For what the Law could not do, weak as it was through the flesh, God did: sending His own Son in the likeness of sinful flesh and as an offering for sin, He condemned sin in the flesh, 4 so that the requirement of the Law might be fulfilled in us, who do not walk according to the flesh but according to the Spirit. (Romans 8:1-4)

Are YOU debt-free? I pray that you are.

In Christ,


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