1. All are debtors to God, 2. None of us can pay our own debts, 3. Christ payed our debts, 4. Since our debts are forgiven, we are expected to forgive others, 5. The unforgiving will never come to their destiny with everlasting life with God.

Jay Ledbetter

Pastor, United Church of God

Jay Ledbetter is a pastor serving the United Church of God congregations in Knoxville and Kingsport (Tennessee), London (Kentucky) and Roanoke (Virginia).