Whispersfrommyheart's Blog


Posted on: October 3, 2013

He walked in and said I was indebted to him.

“I don’t owe you anything!” I said angrily. And, I didn’t. I had never seen him before. I had never gone into his house of debt to borrow anything. He had it all wrong. This man, whoever he was, was trying to scam me, and I wasn’t going to have anything to do with it. I am too smart to fall for that!

“The debt is yours,” the stranger said.

“No, it is not mine,” I repeated. “I have not borrowed anything from you. What I have, I have obtained on my own. I have purchased it with the funds left me by my deceased relatives. They were wealthy, and I was their only heir. I have never had to go into a lending institution in all the days I have been alive. I have always been well provided for. Even now, I do very well on my own. I have enough money to leave my own children, and their children after that. I have several real estate holdings worth millions of dollars. I have no need.”

“The debt I hold,” the stranger replied, “is transferrable debt. It transferred to your relatives, and now, it has transferred to you.”

“You are sorely mistaken, sir.” I said. “How in the world can you come into my house and demand payment from me for a debt I never incurred? You are making me angry. I have explained to you, as nicely as I can, that I don’t owe you a %#$%!^$ thing. I took what my relatives left me and built it into what it is today. I made it without borrowing anything from anyone. Me. Alone. I did it without your help, or anyone else’s. Get that through your thick skull. I don’t owe you anything, now please leave me alone. Get out of my house.”

“I have not come to make you angry.” The stranger spoke in a gentle voice.

“Do you know who you are dealing with?” I asked. “I am not some ignorant fool stupid enough to fall for this pitiful scheme of yours. I can take one look at you and know you aren’t a lender. Your clothes give you away. You wandered into town thinking you were going to get a free ride. I have very powerful friends. All I have to do is make one phone call and you will spend the night in jail.”

“You only have the power over me that my father gives you.” Still, the stranger spoke with gentleness.

“Who do you think you are?” I just about screamed at him. I was getting furious. This man… this BUM walks into my house with a piece of paper in his hands, and tells me I owe him? He is crazy! I am wealthy enough that I don’t have to worry… ever. I will always be comfortable. I can go wherever I want, whenever I want, and stay as long as I like. I have never relied on anyone for help… ever. I have always had enough… Always had more than enough. I didn’t need his money.

“Sir,” I began, “I will give you exactly two minutes to leave my house. After that, I will make one phone call. With that call there will be several police in my driveway just to pick you up. Do you understand?”

“You do not have to call anyone,” the stranger replied. “I will go, as you wish.”

“You are a crazy man.” I spit out, still angry at the stranger.

“All of your descendants have uttered similar things to the collector of debt.” He said.

I looked at him. He didn’t look that old to me, so how could he even know what ‘ALL’ of my descendants did? I was right, he is crazy.

 “Okay. Your two minutes are up. You need to leave.” My voice was firm.

“I will go,” he said, “but, just as it has been done with your descendants, I will do with you. I will leave you a copy of the debt I hold against you. It is up to you to take the time to read it, and accept it. But, you must be aware; this debt will be transferred to whoever assumes your estate when your life is over. It does not go away just because you deny it exists.”

And, just like that he walked out of my door.  I picked up the paper he left and crumpled it without looking at it. “Who does he think he is?” I shouted at the empty room as I threw the wadded paper into the fireplace. I’m still not sure what made me retrieve it so fast, but I did. I stomped out the flames and opened it.

As I read through the now charred pages tears began to fill my eyes. On this page was listed the original loan acquired to purchase my great-great-great-grandfather’s business… everything I had, even the things I had acquired myself, were tied to the original loan that had never been satisfied, and with the compounding interest that accrued throughout the years, the figure was astounding. As I continued to read, I discovered the signatures of my relatives, throughout the generations, affirming the validity of the debt. All of my grandfather’s signatures were there; even my father’s signature.

Why didn’t I know this? Why hadn’t dad told me before he left the estate to me? Was there a copy of this debt in the files? Was it scanned into the computer? Why did it take a stranger to bring it to my attention? I felt angry again. Betrayed. Trapped. For the first time in my life I felt like I was drowning and there was no way out. If I paid the debt I would, literally, have nothing left. It would take everything I worked hard to keep. Everything! The house, the cars, and the real estate holdings… every single thing I held dear. Everything that made me who I am would have to be sold in order to satisfy the debt. How could any

What was I going to do?

I put on my glasses to read the fine print. What else they can take?

The debtor, Thaddeus A. Peccator*, agrees, by affixing his signature, to assume all liability for the loan dated July 15, 1825, through Agnus Dei*. This debt shall include all heirs, administrators, and assigns forever.

Then a phrase caught my eye, Cancellation of debt.

I looked up from the page and ran to the door. Could I still catch him? Was he already gone? I had been so ugly with him.

The stranger was sitting on my porch; waiting.

“You didn’t leave!” I was thrilled. “I am so terribly sorry for the way I treated you earlier. Please, come back in! I was wrong. I do accept the debt. It is mine to owe.”

“It matters not how you come to accept the debt, my son. What matters is you have accepted it.” He was still so nice. So calm. Even after I was so rude to him. Who was this man? Why did my father never introduce us?

“You have accepted the debt, Mr. Peccator*, and, according to the terms of the agreement, by your signature, you assume liability. I will witness your signature.”

I grabbed the pen from my pocket and signed my name, and for good measure, I dated the document. I handed it back to him, beaming, “Your turn.” I said

There in his eyes, for the very first time, I saw intense love. His face was etched with deep sorrow & pain, why did I not see that before? I looked down as he took the pen from my hand. His hand is scarred. I shrank back. Who is this man and what happened to him? He sat down to sign the document. He seemed to be in agony as he signed his name, Agnus Dei*.

The story I have told is an age old story. The human race owes a debt to the Creator of the universe. It was a debt of exorbitant value; a debt we had no way of paying for ourselves. So God, even though he was the one demanding payment from us, knew we couldn’t come up with it… because of sin; we couldn’t satisfy the debt (the Law of God – 10 Commandments) of handwriting against us… so he devised a plan. Oh, we could try to be good enough, but inside, we know we never are that good. We, too, get angry, and self-righteous, showing God all the reasons why we think he is a scam; a delusion; that we are way too smart to be tricked into giving up our time for him. But still, inside, we can’t get away from the knowledge that something is wrong and we can’t fix it on our own.

God knew this and he made the way possible for us to cancel the debt he held against us. He became the solution. GOD BECAME THE EXACT PAYMENT HE DEMANDED FROM US! That is the GOOD NEWS of the gospel of Jesus Christ. God demanded payment of a debt we could not afford, so he became the very payment we needed! Just like in the story we must accept responsibility for our own debt, and then accept Jesus’s assumption of that debt on our behalf.

May you #BeBlessed and #WalkInTruthToday


*The names I chose are Latin.  Peccator is a male sinner. Agnus Dei is Lamb of God.


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