1739. Bankrupt Debtors Discharged

No. 1739-29:493. A Sermon Delivered On Lord’s Day Morning, September 16, 1883, By C. H. Spurgeon, At The Metropolitan Tabernacle, Newington.

And when they had nothing to pay, he frankly forgave them both. {Lu 7:42}

For other sermons on this text:
   {See Spurgeon_Sermons No. 1739, “Bankrupt Debtors Discharged” 1740}
   {See Spurgeon_Sermons No. 2127, “Love’s Competition” 2128}
   {See Spurgeon_Sermons No. 2873, “Who Loves Christ Most?” 2874}
   {See Spurgeon_Sermons No. 3015, “Two Debtors, The” 3016}
   Exposition on Lu 7:18-50 {See Spurgeon_Sermons No. 2876, “Christ’s Crowning Glory” 2877 @@ "Exposition"}
   Exposition on Lu 7:24-50 {See Spurgeon_Sermons No. 2484, “Very Friend You Need, The” 2485 @@ "Exposition"}
   Exposition on Lu 7:36-48 {See Spurgeon_Sermons No. 3550, “Earnest Entreaty, An” 3552 @@ "Exposition"}
   Exposition on Lu 7:36-50 {See Spurgeon_Sermons No. 3015, “Two Debtors, The” 3016 @@ "Exposition"}

1. The two debtors differed very considerably in the amounts which they owed: the one was in arrears five hundred pence, and the other fifty. There are differences in the guilt of sins, and in the degrees of men’s criminality. It would be a very unfair and unrighteous thing to say that all men are exactly alike in the extent of their transgression. Some are honest and upright, kind and generous, even though they are only natural men: while others appear to be of a malicious, envious, selfish disposition, and rush into evil, sinning, as it were, with both hands greedily. The man who is moral, sober, and industrious is only a fifty pence debtor as compared with the vicious, drunken blasphemer whose debt is written at five hundred pence. Our Saviour recognises the distinction, because it exists and cannot justly be overlooked. There are distinctions among unconverted men, very great distinctions. One of them, a young man, came to Jesus, and he had so many fine traits in his character that the Lord looking upon him and loved him; whereas when the Pharisees gathered around him our Lord looked all around upon them with indignation. The soil, none of which was yet sown with the good seed, yet varied greatly, and some of it was honest and good ground before the sower came to it. Sinners differ from each other.

2. But I call your particular notice to this fact — that though there was one point of difference in the two debtors, there were three points of similarity; for they were both debtors: and so all men have sinned, whether little or much: and, secondly, they were both equally bankrupt, neither of them could meet his debt; the man who owed fifty pence could no more pay than he who owed five hundred pence, so that they were both insolvent debtors. But what a mercy it is that they were alike in a third point! for “when they had nothing to pay,” their creditor “frankly forgave them both.”

3. Oh, my dear hearers, we are all alike in the first two things! Oh that all of us might be alike in this last point, so that the Lord our God may grant to every one of us the free remission of sins according to the riches of his grace through Christ Jesus! Why should it not be so, since Jesus is exalted on high to give repentance and remission of sins? There is forgiveness with God. He delights in mercy. He can cast all our sins into the depths of the sea, so that they may not be mentioned against us any more for ever. While we are compelled to go together two thirds of the road, what a pity it would be that we should be separated in the third portion of it! That first two thirds of the road is a very muddy, boggy piece of way, and we sorrowfully wade along it in company, — all in debt and all of us unable to pay; but that next part of the road is well-made, smooth, and good for travellers, and it leads into the gardens of felicity. Oh that we may traverse it, and find the free pardon of God! Oh for free remission for all of us without exception! Why not? May God send it by his great mercy at this good hour! For that purpose I wish to speak with you, dear friends; for I believe that the Lord Jesus has something to say to you, and I pray that your hearts may be open to him, crying gladly, “Master, say on!”

4. Our first point for consideration is, their bankruptcy — “they had nothing to pay”; the second is, their free discharge — “he frankly forgave them both”; and the third is, the connection between these two things: for that little word “when” marks the connection — “when they had nothing to pay, he frankly forgave them both.”

5. I. First, let us think of THEIR BANKRUPTCY.

6. This was their condition. They were unquestionably in debt. If they could have disputed the creditor’s claim, no doubt they would have done so. If they could have pleaded that they were never indebted, or that they had already paid, no doubt they would have been glad to have done so; but they could not raise an objection; their debt could not be denied. Another fact was also clear to them, namely, that they had nothing to pay with. No doubt they had made diligent search; they had turned out their pockets, their cash-boxes, and their lockers, and they had found nothing; they had looked for their household goods, but these had vanished piece by piece. They had nothing at home or abroad that they could dispose of. Things had come to such a state with them that they had neither stock nor money, nor anything in prospect which they could draw on: they were brought to the last extremity, reduced to absolute beggary. Meanwhile, their great creditor was pressing them for settlement. That idea lies in the heart of the text. The creditor had evidently brought his overdue accounts, and had said to them, “These claims must be met. There must be an end to this state of affairs; your accounts must be discharged.” They were just brought to this condition — they must confess the debt, and they must also humbly acknowledge that they had nothing to meet it with: the time for payment had come, and it found them without a penny. No condition could be much more wretched.

7. So far I have stated the parable, and it most truly presents the condition of every man who has not come to Jesus Christ and received the frank forgiveness of his sins. We will enlarge on this. We are all by nature and by practice plunged in debt, and this is the way in which we came to be so. Hear it and note it well. As God’s creatures we from the very first owed to him the debt of obedience. We were bound to obey our Maker. It is he who made us, and not we ourselves; and we were, therefore, bound reverently to recognise our Creator, affectionately to worship him, and dutifully to serve him. This is an obligation so natural and reasonable that no one can dispute it. If you are the creatures of God, it is nothing more than right that you should honour him. If you daily receive the breath in your nostrils and the food that you eat from him, then you are bound to him by the ties of gratitude, and should do his will.

8. But, dear friends, we have not done his will. We have left undone the things we ought to have done, and we have done the things we ought not to have done, and so we have come in a second sense into his debt. We now stand liable to penalty, yes, we are condemned already. There is due from us to God, in vindication of his broken law, both suffering and death; and in the word of God we find that the righteous penalty for sin is something utterly overwhelming. “Fear him,” says Christ, “who is able to destroy both soul and body in hell.” Yes, I say to you, fear him! Very terrible are the metaphors and symbols by which the Holy Spirit describes the misery of a soul upon which the Lord pours out his fiery indignation. The pain of loss and pain of woe which sin at last brings upon guilty men are inconceivable: they are called “the terrors of the Lord.” Everyone of us, except the Lord Jesus Christ, owes to God’s law a debt which eternity cannot fully meet, even though it is crowded with agonizing regrets. A life of forgetfulness of God and breaking of his law must be paid for by a future life of punishment. That is the place where we stand: can any man be at rest while this is his condition before God? We are debtors: the debt is overwhelming; it brings with it tremendous consequences to the nth degree.

9. And we are utterly unable to make any amends for this. If he should meet us and call us to account we cannot answer him one of a thousand. We cannot excuse ourselves, and we cannot by any possibility render to him his righteous due. If any think they can, let me remind them of this, that to cancel the debt which we owe to God we must pay it all. God demands, righteously demands, from us the keeping of his entire law. He tells us that he who is guilty in one point is guilty of all: for God’s law is like a fair vase of alabaster, lovely in its entirety; but if it is chipped in any part, it may not be presented in his court; the least flaw in it mars its perfection and destroys its value. A perfect obedience to a perfect law is what is required by the justice of the Most High; and is there any one of us who can render it, or who can attempt to pay the penalty due for not rendering it? Our inability to obey is our own fault, and is part of our crime. Ah me! may none of us ever have to bear the penalty! To be banished from his presence, and from the glory of his power! to be cast away from all hope and light and joy for ever! Why, there are those at this moment in the abyss of woe who have for thousands of years endured the heavy hand of justice, and yet their debt is not discharged even now; for they have yet to appear before the judgment seat of Christ at the last day and answer for their transgressions. It is certain that to meet the whole payment is impossible; neither in the form of obedience, nor in the form of penalty, may we ever hope to meet it — it would be all in vain to make the attempt.

10. Remember, too, that if there is anything that we can do for God in the way of obedience it is already due to him. All that I can do if I love God with all my heart and soul and strength, and my neighbour as myself, throughout the rest of my life, is already due to God: I shall only be discharging new duties as they occur — how will this affect old disobediences? In what way can I cleanse myself from my former stains by the resolve that I will not be defiled with fresh ones? If your hand is blood-red can you make it clean by the mere resolution that you will not plunge it again into the dye? You know it is not so: past sin cannot be removed by future carefulness.

   Could my tears for ever flow,
   Could my zeal no respite know,
   All for sin could not atone;
   Christ must save, and Christ alone.

We have nothing with which to meet our liabilities because everything that we can possibly earn or obtain in the future is already due to justice, and so we have nothing left unmortgaged, nothing of our own.

11. Moreover, the debt is immense and incalculable! Fifty pence is only a poor representation of what the most righteous person owes; five hundred pence is only an insignificant sum compared with the transgressions of the greater offenders. Oh, friends, when I think of my life it seems to be like the sea, made up of innumerable waves of sin; or like the sea-shore, constituted of grains of sand, that cannot be weighed nor counted. My faults are utterly innumerable, and each one deserving eternal death. Our sins, our heavy sins, sins against light and knowledge, our foul sins, our repeated sins, our aggravated sins, our sins against our parents, our sins against all our relationships, our sins against our God, our sins with the body, our sins with the mind, our sins of forgetfulness, our sins of thought, our sins of imagination — who can even list them before God? Who knows the number of his trespasses? Now, to think that we can ever meet such a debt is indeed to bolster ourselves up with a notion that is utterly absurd: — we have nothing to pay.

12. Moreover, I go a little further. Even if these sins were somewhat within bounds, and if we were not indebted for the future as for all we can even do, yet what is there that we can do? Does not Paul say of himself that he was not sufficient to think anything of himself? Did not the Lord tell his Israel of old, “From me is your fruit found?” Did not Jesus say to his disciples and even to his apostles, “Without me you can do nothing?” Then, oh bankrupt sinner, what is there good that you can do by yourself? You must first of all get the good work from God before you can perform it yourself. It is true you are to “work out your own salvation with fear and trembling”; but what must come first? Read the passage, “For it is God who works in you both to will and to do concerning his good pleasure.” If the Lord does not work salvation in us, we cannot work it out. Every good thing in man is the work of God, the product of the Spirit of God operating on the heart and mind. Men are dead in trespasses and sins, dead to all that is holy and acceptable with God, and life itself is a gift. What then can sinners do? Their bankruptcy is utter and entire; and this is true of every man who is still outside of Christ — he is a debtor, and he has nothing to pay with.

13. This being the case, I want to spend a minute in noticing certain temptations to which all bankrupt sinners are much subject to. One of these is to try and forget their spiritual state altogether. Some of you here today have never given serious thought concerning your souls and your condition before God. It is an unpleasant subject. You suspect that it would be still more unpleasant if you looked into it. You want amusement, something to while away the time, because you do not care to examine the state of your heart before God. Solomon exhorts the diligent man to know the state of his flocks, and look well to his herds; but he who is careless and idle would rather leave such enquiries, and let things go as they please. The man who is going backward in business has no pleasure in taking stock. “Oh,” he says, “do not bring me my books; I shall not sleep at night if I look into them.” He knows that he is sinking lower and lower, and will soon be a ruined man; and the only way in which he can endure his life is to drive dull care away by drink, or by going into company, or idle amusement. He labours to beguile the hours so that he may conceal from himself his true condition. But what a fool he is! Would it not be infinitely wiser if he would look the thing in the face and have it out, and know his actual state? Such ignorance as he chooses is not bliss to a right-hearted man, but suspense and misery. I have often prayed this prayer — “Lord, let me know the very worst of my case,” for I do not wish to entertain a hope that will at last deceive me. Disappointment will be bitter in proportion as false hope was sweet. This is the temptation of the bankrupt soul, to shut its eyes to unwelcome truth. The ostrich is fabled when hunted to bury its head in the sand, and conceive that the huntsman is gone when he is no longer seen. But he is not gone: the unseen danger is quite as real as if it stared us in the face. However forgetful you may be, God does not forget your sins.

14. Another temptation for a man in this condition is to make as good a show as he can. A man who is very near bankruptcy is often noticed for the dash he cuts. What a horse he drives as he comes up to business! What fashionable parties he gives! Just so, he desires to keep up his credit as long as he ever can. He is going to make a smash of it eventually but for a season he assumes the airs of my lord, and everyone near him imagines that he has money enough and to spare. The governor of a besieged city threw loaves of bread over the wall to the besiegers, to make them believe that the citizens had such large supplies that they could afford to throw them away; yet they were starving all the while. There are some men of similar manners; they have nothing that they can offer to God, but yet they exhibit a glittering self-righteousness. Oh, they have been so good, such superior people, so praiseworthy from their youth up; they never did anything much amiss; there may be a little speck here and there upon their garments, but that will brush off when it is dry. They make a fair show in the flesh with morality and formality, and a smattering of generosity. Besides, they profess to be religious: they attend divine service, and pay their quota of the expenses. Who could find any fault with such good people? Just so; this profession is the fine horse and trappings with which they too are cutting a dash just before going through the bankruptcy court. There is nothing at all in you, and there never was, if you are as nature has made you; why then do you try to brazen it out, and make yourself seem to be something when you are nothing. You may by this means deceive yourself, but certainly you will not deceive God.

15. Another temptation which lurks in the way of a bankrupt sinner is that of making promises of what he will do. Men in debt are generally very promising men; they will pay next week for certain; but when that next week comes, they meant the next week further on, and then payment shall be doubly certain; yet they put in no appearance even then, or, if they do, they give an I-O-U. Is that not a precious document? Is it not as good as the money itself? They evidently think so, for they feel quite as easy as if they had really paid that debt. But when the bill falls due, what then? It falls, never to rise again. Ah me! a bill is often just a lie with a stamp on it. So debtors will go on as long as they can. This is what every sinner does before he becomes cleared by the sovereign grace of God. He cries, “I intend to do better.” Never mind; tell us no more what you intend to do, but do it. To promise and vow so falsely is only adding to your sins! “Oh! but you know I do not always intend to go on in this way. It is a long lane that has no turning. I shall pull up short one of these days, and then you will see.” What shall we see? What we shall see; and that will not be much. Yes. We shall see the dew of promise disappear, and the morning cloud of resolution pass away. Dear sir, you cannot raise our hopes now. Neither God nor man will trust you; you have promised these twenty years, and in no one year have you made a real move in the right direction. You have not only lied to men, but also to God, and how will you answer for it? Do you not know that every promise that you make to God which you do not keep is a great addition to your transgressions, and helps to fill up the measure of your iniquities? Give up the way of lying, I urge you.

16. Another temptation is, always to ask for more time — as if this was all that was needed. When the debtor, in another parable, was arrested, he said to his creditor, “Have patience with me, and I will pay you all.” We cannot pay any of our debt today, and yet dote upon tomorrow. Yes, it does seem such a relief to get a little longer time; somehow a vague shadowy hope seems to pervade the months to come. The sinner cries, “Go your way for this time; when I have a convenient season, I will call for you.” It is not convenient just now, but do wait for a little bit, a suitable hour will come. With this temptation Satan has destroyed multitudes of men, tempting them to ask for more time, instead of coming up to the mark at once and asking for immediate pardon. What are the fabled virtues of tomorrow? Why do men dote on the unknown future? I would press you to immediate decision at this moment; and may God by his divine Spirit deliver you as a bird from the hand of the fowler, so that you may no longer procrastinate and waste your life in disobedient delay.

17. This being the temptation let me hint to those of you who are bankrupt what your wisdom is. It is your wisdom to face the business of your soul. Your soul-matters are the most important things you will ever have on hand, for when your wealth must be left, and your estate shall see you no more, and when your body is dead, your soul will still be living in eternal happiness or endless woe; therefore, do not let your state in reference to God be ignored. It is the most important matter; give it the first place. Settle this business before you attend to anything else.

18. Take care that you face it, like an honest man, and not as one who makes the best of a bad story. Though it is bad, yet still the best thing you can do is to go right through with it in truth and soberness before the Lord. Hope lies that way. Do not let your danger be concealed like a thief who hides in the good man’s cupboard until the hour to rob his house. Do not allow the sparks to smoulder where they may consume your all. Quench the fire before you sleep. When you face the matter, be very true and sincere with yourself and with God; because you are not now dealing with creditors who may be cheated, but you are dealing with One who knows the secret thoughts and intents of your heart. Before God only truth can stand; the painted hypocrite is spied out immediately. The Lord takes off all masks, and men stand before him as they really are, and not as they would seem to be; so be true with yourself. Do not take your pen and write down sixty if you owe a hundred; but put the fair hundred down. Tricks and falsehoods had better be put away once and for all when you deal with God.

19. One more thing: it will be your wisdom to give up all attempts to pay, because you have nothing to pay with. Do not delude yourself into the idea that you will pay one day, for you never will. Do not make the slightest attempt at paying, for you cannot do it; but take quite another course, plead absolute poverty, and appeal to mercy. Say, “Lord, I have nothing, I am nothing, I can do nothing. I must throw myself upon your grace.” I am now going to speak about this grace. May I so speak as to encourage you who are bankrupts to come to the Lord, so that he may frankly forgive you all.

20. II. Our second point is THEIR FREE DISCHARGE. “He frankly forgave them both.” What a blessing they obtained by facing the matter! These two poor debtors, when they went into the office, were trembling from head to foot, for they had nothing to pay with, and were deeply involved; but see! they come out with light hearts, for the debt is all disposed of, the bills are receipted, the records are destroyed. Even like this the Lord has blotted out the handwriting that was against us, and has taken it out of the way, nailing it to his cross.

21. In this free discharge I admire, first of all, the goodness of the great creditor. What a gracious heart he had! What kindness he showed! He said, “Poor souls, you can never pay me, but you need not be cast down because of it, for I freely cancel your debts.” Oh, the goodness of it! Oh, the largeness of the heart of God! I was reading about Caesar the other day. He had been at fierce war with Pompey, and at last he conquered him, and when he conquered him he found among the plunder Pompey’s private cabinet, in which were contained letters from the various noblemen and senators of Rome who had sided with him. In many a letter there was fatal evidence against the most eminent Romans, but what did Caesar do? He destroyed every document. He would have no knowledge of his enemies, for he freely forgave them and wished to know no more. In this Caesar proved that he was fit to govern the nation. But look at the splendour of God when he puts all our sins into one cabinet, and then destroys the entire thing. If the sins of his people are sought for they cannot be found now. He will never mention them against us any more for ever. Oh, the goodness of the infinite God, whose mercy endures for ever! Bow before that goodness with joy.

22. But, then, observe the freeness of it — “He frankly forgave them both.” They did not stand there and say, “Oh, good sir, we cannot pay,” and plead and beg, as for their lives; but he freely said to them, “You cannot pay, but I can forgive. You ought never to have gotten into my debt, and you ought not to have broken your promises to me; but behold, I make an end of all this weary business: I freely blot out all your obligations!” Did this not open a fountain in their eyes? Did they not hurry home to their wives and children, and tell them that they were out of debt, for the beloved creditor had forgiven it all most freely? This is a fair picture of the grace of God. When a poor sinner comes to him bankrupt, he says, “I forgive you freely: your offence is all gone. I do not want you to earn a pardon by your tears, and prayers, and anguish of soul. You do not have to make me merciful, for I am merciful already; and my dear Son Jesus Christ has made such a propitiation that I can be just and yet can forgive you all this debt. Therefore, go in peace.”

23. Furthermore, this debt was fully discharged. The creditor did not say, “Come, my good fellow, I will take fifty per cent off the account if you find the rest.” Since they had nothing by which to pay, they would not have been a bit the better if he had reduced them ninety per cent. If he had taken half the debt, the one would have owed two hundred and fifty and the other twenty-five; but still their case would have been hopeless, since they did not have a farthing of their own. Now the Lord, when he blots out his people’s sin, leaves no trace of it remaining. My own persuasion is that when our Lord Jesus died upon the cross he made an end of all the sins of all his people, and made full and effective atonement for all those who ever shall believe in him. I can sing with all my heart — 

   Here’s pardon for transgressions past,
   It matters not how black their cast;
   And, oh my soul, with wonder view,
   For sins to come here’s pardon too!

All the sin of believers has been once and for all carried into the wilderness of oblivion by our great Scapegoat, and no one shall ever find a sin with which to condemn one soul of the chosen band. There is no debt left against a believer: no, not one single pennyworth of debt remains on the score. Does not the Spirit of God himself ask the question, “Who shall lay anything to the charge of God’s elect?” The Lord has frankly forgiven their debt, and he has not done so in part, but as a whole. As for our sins, “the depths have covered them”; “there is not one of them left.” Hallelujah!

24. Observe that it was a very effective forgiveness too. The only person who can forgive a debt is he to whom the debt is due. Only God can forgive sin, since it is a debt to him. What do you think of those folk who are said to be able to forgive you for a shilling? Why, I say that to pay them their fee would be eleven penny three farthings and another farthing thrown away. When you have their forgiveness what is the good of it? Suppose I were to forgive you for injuries done by you to the Queen, of what value would my forgiveness be? He against whom I have transgressed is the only one who can pronounce my pardon; but if he absolves me, how effective is the sentence! When the creditor said, “I freely forgive you both,” why, the deed was done: his lips had power, he had finished the debt by his word. And so when the Lord Jesus Christ is looked at by the eye of faith, there comes a voice from his dear wounds which cries to the poor trembling bankrupt sinner, “Your sins, which are many, are all forgiven. I have blotted out your sins like a cloud, and like a thick cloud your iniquities.” What an effective pardon it is! How it charms the heart, and lulls every fear to rest! He frankly, he fully, he freely, he effectively forgave them both.

25. And I believe that when this is done, I may add another adjective — it is an eternal discharge. That creditor could never summon those debtors again for debts which he had remitted. He could never think of such a thing with any show of justice. He had frankly forgiven them, and they were forgiven. God does not play fast and loose with his creatures, and forgive them and then punish them. I never shall believe in God’s loving a man today, and casting him away tomorrow. The gifts and calling of God are without repentance on his part. Justification is not an act which can be reversed, and followed with damnation. No; no; “whom he justified, he also glorified them.”

   If sin be pardoned I’m secure,
      Death has no sting beside;
   The law gave sin its damning power,
      But Christ my ransom died.

By his death our Redeemer effectively swept away sin once and for all, and he removed all the curse of the law. In the offering of young bulls and lambs there was a continual remembrance made of sin, for the blood of bulls and of goats could not take away sin; but the apostle writes, “This Man, after he had offered one sacrifice for sins for ever, sat down on the right hand of God,” because his work was effectively and eternally done.

26. Only one more remark on this point: this frank forgiveness applied to both the debtors — “he frankly forgave them both.” The man who owed only fifty pence needed a free discharge as truly as the debtor who owed five hundred; for though he was not so deep in the mire, yet he was as truly in the slough. If a man was lying in prison for debt, as men used to do under our old laws, if he only owed fifty pounds he was confined within walls just as closely as the greater debtor who owed fifty thousand; and he could no more get out without the payment or forgiveness of his smaller liability than the bigger debtor could. A bird held by a string is as much a prisoner as a bull that is tied by a rope. Now, you good people who have always tried to do your duty, and are numbered with the fifty pence debtors, you must confess that you have become somewhat indebted to God by committing a measure of sins. Take note that you cannot be saved except by the free forgiveness of God through the precious blood of Christ. The fifty pence debtor must obtain his discharge by grace alone. It is also a most blessed thing to perceive that he forgave the five hundred pence debtor with equal freeness. Perhaps I have some here, men and women, who have never made any pretence of being good, who from their childhood have gone from bad to worse. There is a possibility of free and instantaneous forgiveness for you at this moment. You who are head over heels in debt to God can be freely forgiven by the same Lord who forgives the smaller debtors. When a man has his pen in his hand, and is writing receipts, it takes him no more trouble to write a receipt for five hundred pounds than it does for a bill of fifty — the same signature will suffice: and when the Lord has the pen of his Spirit in his hand, and he is about to write upon a conscience the peace which comes from reconciliation, he can write upon one as well as upon another. Ho, you with a little bill, bring it here so that infinite grace may write upon it “CANCELLED!” Ho, you with a more weighty account, come and place it near that gracious right hand, for though your bill is ever so long and heavy, the hand of Infinite Love can write “CANCELLED” in a moment! My joy overflows at having such a gospel to preach to you: whatever your guilt, my gracious God is ready to forgive you for Jesus’ sake, because he delights in mercy.

27. III. I now ask for your very special attention to the last point, and that is THE CONNECTION BETWEEN THIS BANKRUPTCY AND THIS FREE DISCHARGE. It is said “When they had nothing to pay, he frankly forgave them both.”

28. There is a time when pardon comes, and that time happens when self-sufficiency goes. If any person in this place has in his own conscience come to this point, that he feels he has nothing to pay, he has come to the point at which God is ready to forgive him. He who will acknowledge his debt, and confess his own incapacity to meet it, shall find that God frankly blots it out. The Lord will never forgive us until we are brought to the starvation of pride and the death of boasting. A sense of spiritual bankruptcy shows that a man has become thoughtful; and this is essential to salvation. How can we believe a thoughtless person to be a saved man? If we so think about our state as to mourn our sin and feel its wickedness, and if we have made a close examination of our hearts and lives, and find that we have no merit and no might, then we are prepared in all thoughtfulness to say, “In the Lord I have righteousness and strength.” Must there not be serious thought before we can hope for mercy? Would you have God save us while we are asleep, while we are giddy, frivolous, trifling, and without concern about our sin? Surely that would be giving a premium to folly! God does not act like that. He will have us know the seriousness of our danger, for otherwise we shall treat the whole matter lightly; and we shall miss the moral effect of pardon, while he will be robbed of his glory.

29. Next, when we come to feel our bankruptcy we then make an honest confession, and to that confession a promise is given — “he who confesses his sin shall find mercy.” The two debtors had acknowledged their debts, and they had also publicly confessed, though it must have gone against the grain a bit, that they could not pay. They humbled themselves before their creditor, and then he said, “I frankly forgive you.” If one of these debtors had bounced and bragged, “Oh, we can pay”; in all probability he would have been sent to prison. As for you, poor trembler, I do not know where you are this morning, but here is comfort for you: when you go to God in your room and cry, “Lord, have mercy on me, for I am guilty, and I cannot justify myself before you, nor offer any excuse to you”: it is then that he will say, “Be of good cheer; I have put away your sin; you shall not die.” When you have nothing to pay and confess your insolvency, the debt shall be wiped out. When you are brought to your worst, you shall see the Lord at his best.

30. It is in their utter destitution that men value a discharge. If God were to give his mercy to every man at once, without his ever having had any sense of sin at all, why men would consider it cheap and think nothing of it. “God is merciful,” is a common saying everywhere; and it is such a bit of valueless talk with them, that they let it roll glibly out as if it were no matter. They do not worship him for his mercy or serve him for his grace. They say, “Oh, God is merciful,” and then they go on to sin worse than ever; the idea has no effect upon their hearts or lives; they have no esteem for that mercy of which they speak so freely. So the Lord takes care that the sinner shall know his need of mercy by feeling the pinch of conscience and the terror of the law. If I may so speak, he puts in the sheriff’s officer, and disturbs the soul by convincing the man of sin, of righteousness, and of judgment. The Lord puts a demand for payment into the heart, and it is then, when the poor creature cries, “I have nothing to pay with,” that free discharge is given by the Lord, and heartily prized by him to whom it comes. When our account is long and heavy, it is a blessed thing to see the Lord write “Cancelled,” and to behold the whole mountain of debt swallowed up in the sea of love. Christ is precious when sin is bitter. Is it not wise on God’s part that the cancelling of the debt shall come just when we have nothing to pay, and therefore are prepared to prize a free forgiveness?

31. Under conviction a poor soul sees the reality of sin and of pardon. My dear hearer, you will never believe in the reality of forgiveness until you have felt the reality of sin. I remember when I felt the burden of sin, and though only a child, my heart failed me for anguish, and I was brought very low. Sin was no bugbear to scare me; it was a grim reality; as a lion it tore me in pieces. And now, today, I know the reality of pardon: it is no fiction, no dream, for my innermost soul feels its power. I know that my sins are forgiven, and I rejoice in it; but I would never have known the real truth of this happy condition if I had not felt the oppressive load of sin upon the conscience. I could not afford to play at conversion, for sin was an awful fact in my soul. Our heavenly Father does not wish us to lightly treat a matter concerning which Jesus shed his blood, and so he brings us into trouble of soul, and afterwards into a vivid experience of free grace. He lets the whip fall on our shoulders until we bleed again, and this makes us weary of the slavery of sin. He sets conscience and the law upon us, and these two jailers thrust us into the inner dungeon, and make our feet secure in the stocks. All this prepares us for the delivering power which shakes the prison walls, and releases our bonds, and for the tender love which washes our stripes and sets food before us.

32. I do believe that the Lord will give us our release when we are reduced to our last farthing, and not until then, because only then do we look to the Lord Jesus Christ. Ah, my dear friends, as long as we have anything else to look to, we never will look to Christ. That blessed port into which no ship ever ran in a storm without finding a sure haven is shunned by all your gallant vessels: they will rather put into any port along the coast of self-deceit than make for the harbour which is marked out by the two lighthouses of free grace and dying love. As long as a man can scrape the flour barrel and find a little in it, as long as he can hold up the cruse of oil, and it drips, if it only yields a drop in a week, he will never come to Christ for heavenly provision. As long as he has one rusty counterfeit farthing hidden away in the corner of his till, the sinner will never accept the riches of redeeming love; but when it is all over with him, when he has nothing in the parlour, nothing in the kitchen, nothing in the cellar, when there is neither stick nor stock left, then he prizes Jesus and his salvation. We break to make. We are emptied to be filled. When we cannot give, God can forgive. If any of you have any goodness of your own you will perish for ever. If you have anything you can trust in of your own you will be lost as sure as you are living men and women; but if you are reduced to severe extremity, and God’s fierce wrath seems to burn against you, then not only may you have mercy, but mercy is already yours.

   ’Tis perfect poverty alone
      That sets the soul at large;
   While we can call one mite our own
      We get no full discharge.
   But let our debts be what they may,
      However great or small,
   As soon as we have nought to pay
      Our Lord forgives us all.

Blessed are you poor, for you shall be rich! Blessed are you hungry, for you shall be fed! Blessed are you who are empty, for you shall be filled! But woe to you who are rich and are increased in goods, and have need of nothing, and boast about your own goodness! Christ has nothing to do with you, and we have nothing to preach to you except this — “Those who are healthy do not need a physician.” The heavenly Surgeon did not come to save those who have no need of saving. Let those who are sick perk up their ears and hear with delight, for the Physician is come with a special eye for them. Are you a sinner? Then Christ is the Saviour of sinners. Join hands with him by faith, and the work is done: you are saved for ever! May God bless you, for Christ’s sake. Amen.

[Portions Of Scripture Read Before Sermon — Ps 32 Lu 7:36-50]
{See Spurgeon_Hymnal “Spirit of the Psalms — Psalm 136” 136 @@ "(Song 2)"}
{See Spurgeon_Hymnal “Gospel, Invitations — ‘All Things Are Ready’ ” 504}
{See Spurgeon_Hymnal “Gospel, Received by Faith — Just As I Am” 546}
{See Spurgeon_Sermons No. 3565, “Sermon Theme Index” 3567 @@ "Creditor and Debtors"}

Spirit of the Psalms
Psalm 136 (Song 1) <7s.>
1 Let us, with a gladsome mind,
   Praise the Lord, for he is kind:
   For his mercies shall endure,
   Ever faithful, ever sure.
2 Let us sound his name abroad,
   For of gods he is the God:
   For his mercies shall endure,
   Ever faithful, ever sure.
3 He, with all commanding might,
   Fill’d the new made world with light;
   For his mercies shall endure,
   Ever faithful, ever sure.
4 All things living he doth feed;
   His full hand supplies their need:
   For his mercies shall endure,
   Ever faithful, ever sure.
5 He his chosen race did bless
   In the wasteful wilderness:
   For his mercies shall endure,
   Ever faithful, ever sure.
6 He hath, with a piteous eye,
   Look’d upon our misery:
   For his mercies shall endure,
   Ever faithful, ever sure.
7 Let us then, with gladsome mind,
   Praise the Lord, for he is kind,
   For his mercies shall endure,
   Ever faithful, ever sure.
                           John Milton, 1645

Psalm 136 (Song 2) L.M.
1 Give to our God immortal praise;
   Mercy and truth are all his ways:
   Wonders of grace to God belong,
   Repeat his mercies in your song.
2 Give to the Lord of lords renown,
   The King of kings with glory crown;
   His mercies ever shall endure,
   When lords and kings are known no more.
3 He built the earth, he spread the sky,
   And fix’d the starry lights on high:
   Wonders of grace to God belong,
   Repeat his mercies in your song.
4 He fills the sun with morning light,
   He bids the moon direct the night:
   His mercies ever shall endure,
   When suns and moons shall shine no more.
5 The Jews he freed from Pharaoh’s hand,
   And brought them to the promised land:
   Wonders of grace to God belong,
   Repeat his mercies in your song.
6 He saw the Gentiles dead in sin,
   And felt his pity work within:
   His mercies ever shall endure,
   When death and sin shall reign no more.
7 He sent his Son with power to save
   From guilt, and darkness, and the grave
   Wonders of grace to God belong,
   Repeat his mercies in your song.
8 Through this vain world he guides our feet,
   And leads us to his heavenly seat;
   His mercies ever shall endure,
   When this vain world shall be no more.
                        Isaac Watts, 1719.

Gospel, Invitations
504 — “All Things Are Ready”
1 “All things are ready,” Come,
      Come to the supper spread;
   Come, rich and poor, come, old and young,
      Come, and be richly fed.
2 “All things are ready,” Come,
      The invitation’s given,
   Through him who now in glory sits
      At God’s right hand in heaven.
3 “All things are ready,” Come,
      The door is open wide;
   Oh feast upon the love of God,
      For Christ, his Son, has died.
4 “All things are ready,” Come,
      All hindrance is removed;
   And God, in Christ, his precious love,
      To fallen man has proved.
5 “All things are ready,” Come,
      Tomorrow may not be;
   Oh sinner, come, the Saviour waits,
      This hour to welcome thee!
                        Albert Midlane, 1832.

Gospel, Received by Faith
546 — Just As I Am <8.8.8.6., or L.M.>
1 Just as I am — without one plea
   But that thy blood was shed for me,
   And that thou bidd’st me come to thee,
      Oh Lamb of God, I come.
2 Just as I am — and waiting not
   To rid my soul of one dark blot,
   To thee, whose blood can cleanse each spot,
      Oh Lamb of God, I come.
3 Just as I am — though toss’d about
   With many a conflict, many a doubt,
   Fightings within, and fears without,
      Oh Lamb of God, I come.
4 Just as I am — poor, wretched, blind,
   Sight, riches, healing of the mind,
   Yea, all I need, in thee to find,
      Oh Lamb of God, I come.
5 Just as I am — thou wilt receive,
   Wilt welcome, pardon, cleanse, relieve;
   Because thy promise, I believe,
      Oh Lamb of God, I come.
6 Just as I am — thy love unknown
   Has broken every barrier down,
   Now, to be thine, yea, thine alone,
      Oh Lamb of God, I come.
7 Just as I am — of that free love
   The breadth, length, depth, and height to prove,
   Here for a season, then above,
      Oh Lamb of God, I come.
                     Charlotte Elliott, 1836.