As God's creatures, we are all
debtors to Him: to obey Him with all our body, and soul, and strength. Having
broken His commandments, as we all have, we are debtors to His justice, and we
owe to Him a vast amount which we are not able to pay. But of the Christian it can be said that he does not owe God's justice anything, for Christ has paid the debt His people owed; for
this reason the believer owes the more to love. I am a debtor
to God's grace and forgiving mercy; but I am no debtor to His justice, for He
will never accuse me of a debt already paid. Christ said, "It is
finished!" and by that He meant, that whatever His people owed was wiped
away for ever from the book of remembrance. Christ, to the uttermost, has
satisfied divine justice; the account is settled; the handwriting is nailed to
the cross; the receipt is given, and we are debtors to God's justice no longer.
But then, because we are not debtors to our Lord in that sense, we become ten
times more debtors to God than we should have been otherwise. Christian, pause
and ponder for a moment. What a debtor thou art to divine sovereignty! How much thou owest to His disinterested love, for He gave
His own Son that He might die for thee. Consider how much you owe to His
forgiving grace, that after ten thousand affronts He loves you as infinitely
as ever. Consider what you owe to His power; how He has
raised you from your death in sin; how He has preserved your spiritual life;
how He has kept you from falling; and how, though a thousand enemies have beset
your path, you have been able to hold on your way. Consider what you owe to His
immutability. Though you have changed a thousand times, He has not
changed once. Thou art as deep in debt as thou canst be to every attribute of
God. To God thou owest thyself, and all thou hast--yield thyself as a living
sacrifice, it is but thy reasonable service. 
hmmm you are right
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