WWJD about too Much Debt

Most of my clients know I’m a Christian. My faith is a strong influence in how I manage my legal practice, and how I counsel my clients. If bankruptcy and the Bible seem in conflict to you, you’re not alone.

Denver Christian Bankruptcy Attorney

Many Christians tell me they feel guilty about being in debt. They feel ashamed to even say the word, “bankruptcy,” much less take steps to file for bankruptcy.

But believe me when I tell you it is better to deal with your debt now than to let it continue to grow and potentially destroy your life or your family.

I am a Denver Christian Bankruptcy Attorney and I proudly serve clients of all walks of life and all faiths throughout the Denver metro area. When I meet with a Christian who is struggling with debt and God’s word on debt, I am particularly motivated to bring clarity to this confusing topic.

Shame and guilt are not of God.

So let’s put both shame and guilt aside for a moment and talk about God’s word on finances, debt and bankruptcy.

Forgive Us Our Debts, as We Forgive our Debtors

Matthew 6 is one of the most well known verses of Christian doctrine:

““This, then, is how you should pray: “ ‘Our Father in heaven, hallowed be your name, your kingdom come, your will be done, on earth as it is in heaven. Give us today our daily bread and forgive us our debts, as we also have forgiven our debtors. And lead us not into temptation, but deliver us from the evil one.”

The scripture makes it crystal clear that debt forgiveness is both Godly and necessary, and that the freedom to achieve a debt-free life is a God-given right.

It’s also a legal right.

Bankruptcy is a Legal Right

Bankruptcy laws exist in order to help individuals, families and businesses get a fresh start on the path to realizing the American dream. There’s nothing sneaky or suspect about bankruptcy. Our law allows debt forgiveness through bankruptcy and as a Christian, you are provided the full benefit of the laws of our land and of our state.

The purpose of bankruptcy is to forgive debt altogether or to allow you to catch up on debt.

Chapter 7 bankruptcy is often referred to as a “fresh start.”  A Chapter 13 bankruptcy is commonly called a “catch your breath” type of bankruptcy.

Both Chapter 7 and Chapter 13 bankruptcy are your legal rights as Denver-area residents, citizens of the state of Colorado and of the United States of America. As you think about your debt  problems and your possible solutions, remember that you have rights and options.

Guilt and shame have no place in this conversation.

As a matter of fact, the Bible speaks directly on this topic. It speaks against debt and in favor of debt forgiveness.

On the matter of debt, Proverbs 22:7 says:

“…the borrower is slave to the lender.”

It is not in God’s will that any man or woman should be a slave to a lender.

On the matter of debt forgiveness, Deuteronomy 15:1-2 says,

“At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the Lord’s release.”

The Lord’s Release

Think about that for a moment: “…it is called the Lord’s release.”

These are powerful words from our Father that should tell you all you need to know about the forgiveness of debts. You, my Christian brother or sister, have the right under the Law and the law to fix a debt problem so you can live your life the way God intended.

Our bankruptcy laws allow all debtors — whether Christian or not — the opportunity to seek a “fresh start” toward a secure financial future.

Bankruptcy laws, and the Bible, also encourage debtors to remain out of debt after a bankruptcy filing.

Remember, it is important to repay debts when you borrow money. Nothing in the Bible encourages you to accept debt. The Bible discourages debt!

But if you do have debt and you cannot manage it, then the Bible also gives you Godly options to correct your problem.

Additionally, the law gives you legal options to correct your debt problems!

Jesus Died for our Sins

Debt is not Godly. There’s no way around this. But if you’re in debt and you need a way out of it, Jesus is here for you, with faith-based and legal options to get out of debt and get a fresh start in life.

Remember, Jesus died for your sins. He forgives you for your debt problems. But you — and only you — can take the first steps to get out of debt.

Contact me to schedule a free consultation. We’ll talk openly and honestly about your Godly options for managing your debt problems and getting a fresh start in life.

You’re not alone. You are fearfully and wonderfully made in His image and you deserve the God-given right to financial freedom. It will be my pleasure and honor to help you get there.


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