Tag: debt

10,000 Reasons To Forgive

Carl Pollard

How many sins did you commit last week? Intentional or not, the number’s probably higher than you’d care to admit. Now think about this year—four months in, how many times have you let God down? Sin’s no small thing. It defies God’s holy nature, builds a wall between us and Him, and tears us apart from the inside. We love picturing God as all about love—and He is—but Proverbs 6:16-19 lists seven things He hates: haughty eyes, a lying tongue, hands that spill innocent blood, a scheming heart, feet racing to evil, a false witness, and someone who stirs up division. Done any of those lately? Zoom out to your whole life—how many sins would fill your book? The weight of that debt is crushing and “unpayable.”

Jesus tells a story in Matthew 18:21-35 that hits this hard. Peter asks, “How often should I forgive my brother?” Thinking he’s generous, he suggests seven times—way past the rabbis’ three. Jesus shuts that down: “Not seven, but seventy times seven.” Don’t count—just forgive. Then He goes on to teach about a servant who owes his king 10,000 talents—60 million days’ wages, an impossible debt. The king could’ve sold him and his family, but instead, he forgives it all out of sheer compassion. What does the servant do? He chokes a guy who owes him pocket change—100 denarii—and throws him in prison. Same plea, “Be patient,” but no mercy. The king hears, calls him wicked, and reinstates the debt. Jesus ends it blunt: “So My Father will do to you if you don’t forgive from the heart.”

Our sin debt’s like that 60 million days—”unpayable.” Yet God forgives it through Jesus’ death and resurrection. Ephesians 2 says it’s grace, not our effort. But here’s the point: if we’ve been forgiven that much, how can we not forgive others? That servant’s hypocrisy is ours when we hold grudges or burn bridges. Jesus says the standard we use on others is the one God’ll use on us. If we can’t release someone’s debt against us, our own forgiveness hangs in the balance. 

How often do we forgive? Don’t count—God doesn’t count your sins against you. He releases the debt every time we ask. We’ve got to do the same.

Jesus Did It

Gary Pollard

Colossians 2.11ff teaches us that Jewish customs from the old system are no longer valid. Our relationship with Jesus was initiated in a totally different way. No flint knives were necessary — he made us his special people by freeing us from the power of our sinful selves. Rather than going through a painful procedure, we go through the painless act of immersion. Immersion buries us with Jesus and allows us to access the same resurrection he did. Our faith in God’s power makes that possible. 

Notice the emphasis in Col 2.11-15 on the passive nature of our forgiveness! Judaism was all about doing stuff for the purpose of being forgiven of bad actions. The whole purpose of the old law was to show us that we’re incapable of working off our existential debt. We are completely powerless by ourselves. 

Verse 11 — not done by human hands, you were made free, this is circumcision Christ does

Verse 12 — you were baptized, you were buried with Christ, you were raised up, God raised Christ

Verse 13 — you were spiritually dead, you were not free from the power of your sinful self, God gave you new life together with Christ, he forgave all of our sins

Verse 14 — we broke God’s laws, we owed a debt, God forgave that debt, God nailed that debt to the cross

Verse 15 — God defeated the ancient ruling powers of earth through the cross, they are now defeated and powerless prisoners 

God was and is responsible for our status. We can’t dig ourselves out of any sin-debt, but he can and does forgive. God’s grace through Jesus’s sacrifice is how we’re immortal! 

Do You Know The Magnitude Of Your Debt?

Monday’s Column: Neal At The Cross

Neal Pollard

Do you have a “debt problem”? According to credit service, Experian, the average credit card debt per household is $5,315 (Wallethub puts it at $7,849). Renting money comes at a high cost with exorbitant interest.  Perhaps you or a loved one have faced an enormous debt, medical costs, business or student loans, or a mortgage that made for uncomfortable living? Most of us know how that feels, to one degree or another. We don’t like the thought of owing someone. It gives them power and control over us (read Prov. 22:7). Perhaps you are one of those who can say that you don’t owe anyone–not the credit card companies, the mortgage company, the automobile dealers, etc. But you are still in debt! So am I. 

Luke reveals a dinner party with a very diverse cast of characters (Luke 7:36-50). There’s Simon, a Pharisee, who plays host (36). There are several dinner guests (49), but sinless Jesus, God in the flesh, is the guest of honor (36). Then, there was a woman who crashed the party, whose name Luke doesn’t give us but who instead is identified by her lifestyle–“a woman in the city who was a sinner” (37). The Pharisees were the custodians of the Old Law (Mat. 23:2). Simon would be a man of great reputation, one who we’d think would not be the indebted type. This unnamed woman was the opposite. 

Such is the setting that allows Jesus to drive home a powerful point about debt. The woman, with a visibly enormous, spiritual debt, spends money (Mark and John record a similar incident where the contents were worth as much as 300 denarii, or almost a year’s wages), sacrifices dignity, submits humble service, and shows significant emotion (37-38). Apparently, “who” she was was well-known and she had nothing to lose and everything to gain. She is the picture of transparency and need.

Apparently, Simon is at the other end of the spectrum, physically, socially, and, at least on the surface, spiritually. In fact, he sits in judgment of Jesus for allowing the woman to be so familiar with Him, thinking to himself, “If this man were a prophet He would know who & what sort of person this woman is who is touching Him, that she is a sinner” (39). 

Jesus, able to read Simon’s thoughts, uses them as a launching point to teach that vital point about spiritual indebtedness. He shares the parable of two debtors. There was a disparity between the two debts, but neither could repay what they owed. The lender forgives both debts, no strings attached. Who would feel the greater depth of gratitude and affection? The answer is obvious, and Jesus makes application.

He points to how humbly and freely the woman expresses her love and appreciation to Jesus, while Simon is negligent in all the ways she was demonstrative. Jesus points out that this is about faith and forgiveness (47-50). The Lord doesn’t deny that the magnitude of the woman’s sinfulness is enormous (47), but He fully and freely forgives her. Simon’s disadvantage is not as apparent, but is definitely serious. Was he prideful? Self-righteous? Judgmental? There are definitely signs of such struggles in his life. 

It is dangerous to live a life of sin and rebellion against God’s will. Too many never come to grips with their need for faith and forgiveness. But, it is at least as dangerous to be blind to our sin problem or to rationalize and minimize its effect upon our lives. This woman teaches us to be transparent with God and others, to acknowledge our debt, to ask the only one capable of forgiving it to do so, and then to live with humble gratitude and renewed resolve and purpose. Because, whether we admit it or not, we all have an insurmountable debt we cannot repay without His help. 

You Are More Valuable Than A Yacht

Wednesday’s Column: Third’s Words

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Gary Neal Pollard III

The world’s most expensive new car is $18,000,000 (Bugatti La Voiture Noire). The most expensive house is around $2,000,000,000. According to Google, the most expensive thing in the world is apparently Walmart. It’s either Walmart or a $4,800,000,000 gold yacht. On the average US salary for a family it would take 100,000 households’ total income to purchase. Or, it would take one person 100,000 years. 

For most of us, those numbers are unattainable. That kind of value is totally out of reach. 

Jesus did something that makes those numbers look pathetic. He paid our insurmountable debt with something that cannot be valued with any mortal currency (I Peter 1.18,19; Acts 20.28). 

He values His church at one eternal blood sacrifice (Hebrews 9). We could not possibly drum up enough money over all history and economies to even approach one eternal blood sacrifice. And He paid that for us. God gave up everything to “buy” our spiritual freedom. 

I doubt myself constantly and even feel somewhat worthless at times. It’s part of our humanity! We instinctively know that we’re insignificant in this universe (Ps. 8; Ps. 144). But like David said (twice), He does care for and think about us, despite our insignificance. 

Spending eternity with God will be incredible by itself, but knowing that at death we will be face-to-face with the One who sees us as being that valuable is so exciting!! Knowing this, let’s do whatever it takes to make it there (I Cor. 6; 7; I Pet. 1.18f; Rev. 22.14-17). 

Resolutions Reinforcements–#6

Neal Pollard

“Who cares?” That is not necessarily an expression of apathy or scorn. All of us need to feel like we have people in our lives who care about us and our wellbeing. Such people should do more than offer positive reaffirmation and reassurance. We benefit from those who keep us honest and are willing to say even the difficult things we need to hear. When we talk about goals and resolutions, we need at least someone whom we seek out to hold us accountable. Accountability, in its strictest sense, means “liable to judgment and punishment” when used of God’s holding mankind accountable (Rom. 3:19; BDAG 1037).  Today, we typically mean by accountable that we are responsible to someone to explain or defend our actions. Am I succeeding or failing? Who will help me accurately assess that?

Augustine of Hippo, in his fourth-century Confessions, wrote, “A brotherly person rejoices on my account when he approves me, but when he disapproves, he is loving me. To such people I will reveal myself. They will take heart from my good traits, and sigh with sadness at my bad ones. My good points are instilled by you and are your gifts. My bad points are my faults and your judgements on them. Let them take heart from the one and regret the other. Let both praise and tears ascend in your sight from brotherly hearts, your censers. …But you Lord…Make perfect my imperfections.” We are well-served to have those willing to disapprove, to sigh, and to render gentle judgment as much as give their positive counterparts.

Do you have someone in your life right now who can help you stay accountable to your goals? Ideally, it would be your spouse, but maybe it’s a trusted friend, a sibling, a local Christian, a church leader, or a parent. Find someone in whom to confide your goals and then establish a system to have them evaluated. Just knowing that someone else knows what you’re aiming at may dramatically improve your likelihood of hitting it.

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Can You Imagine Being $53 Million In Personal Debt?

Neal Pollard

USA Today’s Maria Puente is reporting music star Kanye West’s tweet where he writes, “I write this to you my brothers while still 53 million dollars in personal debt…Please pray we overcome…This is my true heart….” (USAToday.com).  Hearing that Facebook creator Mark Zuckerberg and wife Priscilla were going to give away some of their billions to philanthropic causes, West tweeted that he wanted to be a recipient of some of that charity.  Since most of us will probably not make a total of $53 million in our lifetimes, we have a hard time imagining how someone could accrue that amount in personal debt! Perhaps horrible investing, profligate lifestyle decisions, and the like might explain it, but the lack of restraint and wisdom seems appalling. How could one person be so foolish and wasteful? We wring our hands and shake our heads, maybe condescendingly.
Until we consider something.

In a spiritual sense, we all faced a debt infinitely greater. Jesus illustrates this in a parable regarding a slave who owed his master 10,000 talents (Mat. 18:23ff). Biola University business professor Philip Massey did some modern-day math equivalency with that figure and estimates in 21st Century dollars that debt would be $7.04 billion dollars, and according to the 2010 Forbes list of billionaires would need to be at least the 102nd most wealthy person on the entire planet just to be able to pay such a debt (chimes.biola.edu).  Jesus’ point in the parable is to show how utterly audacious it is not to forgive the relatively minuscule transgressions others commit against us in light of how great our spiritual debt is to God.  All the combined wealth of the world is not enough to pay for one sin (cf. Mic. 6:6-8; Mat. 16:26). Colossians 2:14 uses the term “debt” to describe our sin problem, but the same verse tells us that we had someone more powerful and capable than any earthly magnate or mogul to help us pay off our debt.  In fact, “having nailed it [the certificate of debt consisting of decrees against us] to the cross,” He provided payment sufficient for the sin debt of every single person in this world.

Can you imagine anyone refusing help who faced such an insurmountable obligation? Yet, the majority of this world has done and will continue to do so. By refusing to submit to the Lordship of Jesus, they continue to pile up their debt. When the Day of Accounting comes, they’ll stand bankrupt and unable to pay. The consequences will be eternal!

Without Christ, we all face a debt that cannot be sufficiently estimated.  We need His blood applied to our sins or our situations are hopeless! How Zuckerberg will respond is unclear. How Jesus will respond is ironclad! Reach out to Him.

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Mission Accomplished

Neal Pollard

Reader’s Digest tells the story of Walter Wyatt, Jr., an amateur pilot whose plane goes down in the Atlantic between the Bahamas and Miami, Florida.  He’s in the deep all night, fighting off bull sharks and feeling he will not survive.  He does live and a ship, the Cape York, rescues him after sunrise the next day.  He wearily climbs on board and kisses the deck.  He is saved, but he needed outside help to save him from the depths and from certain death.

So it was with us.  As the song suggests, we were sinking deep in sin and far from the peaceful shore.  Jesus lifted us, and He did so through Calvary.  Yet, He saved us from a fate infinitely worse than death by a physical predator.  Each Lord’s Day, we have the opportunity to remember this as well as He who rescued us.  As Paul once said, “Indeed, in our hearts we felt the sentence of death” (2 Corinthians 1:9).  In Hebrews two, we consider three important truths about the Man who saved us from death.

First, He is over us (Hebrews 2:1-10).  He is our Lord and Master.  He is over us by right of accountability (1-3).  In other words, we are reminded that each of us are accountable to Him.  We cannot escape if we neglect so great a salvation!  He is also over us by right of approval (4), namely God’s approval (cf. Matthew 17:5).  During His ministry, Jesus demonstrated His power to prove His identity (cf. Acts 2:22-24).  Further, He is over us by right of authority (5-8).  We read, “For in subjecting all things to him, He left nothing that is not subject to him.”  Then, He is over us by right of arrangement (10).  He is our Creator.  He made us.  He knows us.  Finally, He is over us by right of affliction.  By virtue of His passion, Christ has compassion.  For all these reasons, we see Jesus as One who is on a par with none.  Before He was in a manger or up on a cross, He was in the beginning with God and as God (cf. John 1:2).

Second, He is like us (Hebrews 2:11-14).   No matter how much we like or dislike a king or president, we may feel like he or she is unreal or unlike us.  We cannot relate to their lives, and we are certain they can relate to ours.  Yet, Jesus, though King of kings, is a Savior who is like us.  We are of the same family, the human family (11).  He associates Himself with us (11-12).  Then, He shared in our humanity to the fullest, to the point of experiencing death for us (14).  Nobody can rightfully say to God, “You don’t know what it is like!  You don’t understand!”  He is fully divine and became fully human, making Him uniquely able to relate to both the Father and humanity.

Finally, He is for us (Hebrews 2:15-18).  The last few verses serve as final pieces of evidence proving how Jesus is on our side.  He has done His part to take the fear out of death (15; cf. 1 Corinthians 15:19-20).  Of all created beings, He gives His aid to us (16).  He longs to be our High Priest (17).  He wants to help us when we are tempted (18).  Of all the Great Cloud of witnesses (Hebrews 12:1), who do you think is leading the cheers for those of us trying to make our way through this world and up to heaven?

A decade ago, I said a sentimental goodbye to the “Black Bullet,” my 1985 Chevy Custom Deluxe pickup which I traded in on a “new” 1992 Dodge Dakota.  I had to go to the DMV and transfer my tag and title.  They did not charge much for vanity plates, so I chose “PRCHNG1.”  This seemed clear enough to me.  As I picked up a number at the front counter,  I had my tags in hand and the receptionist saw them.  She said, “Oh, I’ve always wanted to try that. I bet that’s so fun. Is it scary?” I was confused. She said, “Your tags. How long have you been parachuting?” PRCHNG1 stands for “Preaching One.” I thought it was clear, but apparently my fellow motorists had been concluding that I was in some airborne division or maybe purchased hand guns. This dear lady misunderstood me, my work, and my interests.

Let us not make that mistake with the Savior we pause to commemorate each Sunday.  He is over us—He’s our King!  He is like us—He’s our brother!  He is for us—He’s our friend!