Forgive Us Our Sins – The Courage to Cancel the Debt

Introduction: The Most Personal Prayer

Of all the phrases in the Lord’s Prayer, “Forgive us our sins as we forgive those who sin against us” may be the most personal—and the most difficult. It touches on old wounds. It asks for something costly. And it carries both a warning and a promise.

I prefer the word sins here. Some versions say “debts,” others say “trespasses.” In Jesus’ world, economic and moral debts were closely tied—so the metaphors overlap. But today, the word sin cuts straight to the heart. It’s short, it’s ugly, and it’s accurate. It says, “I’ve done wrong,” and it invites me to look at how deeply I need mercy—and how deeply I’m called to show it.

1. A Debt Too Big to Pay

One of Jesus’ most sobering parables involves a servant who owed his master an unfathomable sum—10,000 talents. A talent was a measure of weight, not money, but it is often estimated that the debt equated to billions of dollars in today’s terms.

This servant is forgiven. Completely. His ledger is wiped clean. But then he walks out and grabs someone who owes him a few thousand dollars—perhaps a month or two of wages—and has him thrown into prison. The master hears about it and rescinds the forgiveness, delivering him to judgment.

This parable has always scared me a little. It clarifies something important: if we don’t forgive others, we may not truly understand what it means to be forgiven.

God has erased a ledger that none of us could ever repay. The grace He shows us is breathtaking. He calls us to reflect that grace—not because others deserve it, but because we didn’t deserve it either.

2. When We Don’t Forgive, We Keep the Wound Alive

Forgiveness is not just something we offer to others; it is also something we offer to ourselves.

When I hold onto bitterness, replay the offense in my mind, and nurse that grudge—I give the other person power over my present. I let their sin persist in my thoughts, steal my peace, and shape my future.

“Yes, they hurt me. Yes, it was real. But I won’t let that pain control my life anymore.”

That is not weakness. That is wisdom. It is not naivety. It is freedom.

As we Southerners say: That’s just plain stupid—to let someone else’s past wrong continue to ruin my future. Forgiveness is how we cut the chain. It doesn’t mean letting them off the hook; it means getting ourselves off the hook.

3. The Red Pen and the Ledger Book

One of the clearest images I’ve ever heard came from a preacher I once knew. He said that forgiveness is like keeping a ledger book of debts. You write down what they owe you: the pain, the loss, the betrayal. The debt is real.

But then you take a red pen, strike a line through it, and write: “Debt canceled.”

That’s forgiveness. It doesn’t deny the cost; it acknowledges the cost and chooses to absorb it anyway. Not because you’re weak, but because you want to be well.

And here’s the hard truth: you may need to do that more than once. Forgiveness often isn’t a one-time event—it’s a process. Wounds resurface. Old hurts echo. And each time they do, I say it again: “Debt canceled. I forgive them.”

Every time I do that, the wound closes a bit more. The power of the past diminishes. I start to heal.

4. Forgiveness Doesn’t Mean Being a Doormat

Let’s clarify one of the biggest misunderstandings: Forgiveness does not mean putting yourself or others back in harm’s way.

If someone hurt my child, I would absolutely forgive—but I’d also do everything in my power to protect my child from being hurt again. That’s not vengeance; that’s love.

Forgiveness and boundaries go hand in hand. You can cancel the debt and press charges. You can release resentment and report the crime. You can forgive someone and still say, “You are not safe for me or my family.”

Justice and mercy can coexist. In fact, forgiveness often becomes more complete when we are no longer being re-wounded. Boundaries enable healing to begin.

5. The Courage to Be Free

Forgiveness is not merely about letting others off the hook; it’s about choosing freedom over bitterness. It involves trusting God with justice rather than taking it into our own hands. Moreover, it is about healing our own souls, freeing us from being defined by the worst things that have happened to us.

Forgiveness does not require the other person to apologize. It doesn’t mean that you forget the pain. It means you no longer let it rule you.

And even when forgiveness takes time—even when it must be repeated—you are not failing. You are walking the path of Christ.

Conclusion: As We Forgive

“Forgive us our sins, as we forgive those who sin against us.” It’s not just a line in a prayer; it’s a way of life. It’s a pattern that frees us, heals us, and changes the world, one act of grace at a time.

So today, perhaps take a quiet moment. Open that mental ledger. Examine the names, the debts, the pain. And ask:

“Lord, give me the courage to write: Debt canceled.”

Not because they deserve it. But because you deserve peace.


AI Assistance: I wrote most of this article. Alex (ChatGPT, OpenAI) and I discussed it thoroughly. After that, Alex gathered all our notes and restructured and rewrote the materials into a cohesive blog. I reviewed, adjusted, and processed the article using Grammarly, enhancing its clarity and readability.

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