unDeserving Debtor

What is a “DEBTOR”

  • a person who owes a creditor; someone who has the obligation of paying a debt
  • A person owes a debt to another.
  • The person who either owes payment or other performance on an obligation such as a contract or note.

When we say Jesus is the unDeserving Debtor, that means He paid a debt He did not owe.  We owe a debt we cannot pay.  We owe a debt to God because of our sin, but Jesus paid it in full.  And we’re going to unpack that today:

WHAT did He do because of our debt?

Isaiah 53:5-6 says “But he was pierced for our transgression, he was crushed for our iniquities; the punishment that brought us peace was upon him, and by his wounds we are healed.  We all like sheep have gone astray, each of us has turned to his own way, and the LORD has laid on him the iniquity of us all.”

1 Peter 2:24-25 says “He himself bore our sins in his body on the tree, so that we might die to sins and live for righteousness, by his wounds you have been healed.  For you were like sheep going astray, but now you have returned to the Shepherd and Overseer of your souls.”

A physician explained the pain of the cross in this way:

adequate exhalation required lifting the body by pushing up on the feet and by flexing the elbows…However, this maneuver would place the entire weight of the body on the tarsals [ankle bones] and would produce searing pain.  Furthermore, flexion of the elbows would cause rotation of the wrists around the iron nails and cause fiery pain along the damaged nerves…Muscle cramps and paresthesias [pins and needles when your foot or arm wakes up] of the outstretched and uplifted arms would add to the discomfort.  As a result, each respiratory effort would become agonizing and tiring and lead eventually to asphyxia.

WHEN did He do it and WHERE did it happen?

Colossians 2:13-15 says When you were dead in your sins and in the uncircumcision of your sinful nature, God made you alive with Christ.  He forgave us all our sins, having canceled the written code, with its regulations, that was against us and that stood opposed to us; he took it away nailing to the cross.  And having disarmed the powers and authorities, he made a public spectacle of them, triumphing over them by the cross.”

According to this, when did Jesus become the unDeserving Debtor?

The only time we are referenced in this passage is when it says “you were dead in your sins” and the rest is about Jesus.  This is our condition.  We are sinful.  And apart from Jesus, we are dead in our sins.  See, salvation doesn’t happen when good things outweigh bad things.  We don’t balance our debt, we get rid of it:

  • If I owe$3,000 on a student loan and I have $3,000 in my bank account, that doesn’t mean I’m free…it means I’m broke
  • If you lose sleep because you played Black Ops all night and make it up for it by sleeping in class you’re not free…you’re failing

And the only way we get rid of our debt is through Jesus.  He is the one who has paid our debt.  And He paid it in full.

WHY did the unDeserving Debtor take our debt?

2 Corinthians 5:21 says “God made him who had no sin [Jesus] to be sin for us, so that in him [Jesus] we might become the righteousness of God.

He died so that we could be made right.

Jesus is holy.  Jesus had no sin.  Jesus was not created and therefore not affected or ruled by sin.

But we are.  We are not good enough.  Jesus didn’t die because we earned it.  In fact, the Bible says apart from Jesus, we are “children of wrath” or “deserving of wrath.”

He died because He loves us.

He died so we could be made right.

He died to cancel our debt.  He became the unDeserving Debtor.  He paid what we owed.  And because of that we can be saved.  We can be made right with God!

The unCreated Creator stepped into creation as the unDeserving Debtor.  He paid for our sin with his life and three days later He became the unStoppable Savior.  And we’ll see what that means next week.


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