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The scriptural definition of a debt is the inability to meet agreed-upon obligations. When a person buys something on credit, that is not necessarily a debt, it is a contract. But, when the terms of that contract are violated, scriptural debt occurs.
The fact that someone is in debt is the result of an earlier attitude—that of not understanding or obeying God’s principles. “And He said to them, ‘Beware, and be on your guard against every form of greed; for not even when one has as abundance does his life consist of his possessions’” (Luke 12:15). When a Christian continues to borrow without the means to repay, his attitude falls into the category of deceit and greed. This mindset will surely separate any Christian from God’s will.
Many Christians today are shackled by excessive debts, and misuse of finances has ruined their spiritual lives. They are no longer able to minister to people as God directs; they feel encumbered and have a timidity in speaking about Christ. They are also defeated in their homes, harassed by their spouses, and frustrated or intimidated by creditors constantly bearing down on them.
Proverbs 21:17 says, “He who loves pleasure will become a poor man: he who loves wine and oil will not become rich.” One who is never willing to sacrifice, never willing to deny his impulses, but constantly seeks to indulge his whimsical desires, will always be in bondage and frustrated. Until a Christian has brought his debts under control according to God’s plan, no peace will ever be realized. Remember, God is concerned with attitude; He will begin to work in a Christian’s finances, regardless of past actions, as soon as the attitude is correct.
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