God S Debt Free Guarantee John Avanzini PDF

God's Debt-Free Guarantee
by
John Avanzini
Harrison House
Tulsa, Oklahoma
Copyright © 1994 by International Faith Center, Inc., P.O.
Box 917001, Fort Worth, Texas 76117-9001. Printed in the
United States of America. All rights reserved under
International Copyright Law. Contents and/or cover may
not be reproduced in whole or in part in any form without
the express written consent of the publisher.
ISBN: 0-892-74-919-9
First Printing: 175,000 copies
Unless otherwise indicated, all Scripture quotations are

taken from the King James Version of the Bible.
Verses marked Amplified are Scripture taken from THE

AMPLIFIED BIBLE, Old Testament copyright © 1965,
1987 by The Zondervan Corporation. The Amplified New
Testament copyright © 1958, 1987 by The Lockman
Foundation. Used by permission.
For emphasis, the author has placed selected words from

the Bible quotations in italics.
Testimonies have been grammatically corrected and edited

slightly.
Harrison House
P.O. Box 35035
Tulsa, OK 74153
This book is respectfully dedicated
to the memory of
Rev. John Boden
a faithful friend and partner in this ministry.
While our friendship was short,
the memory of it will last forever.

Contents
1 God's Debt-Free Guarantee...............................................7
2 Three Things You Must Know.......................................15
3 Things to Do...................................................................31
4 An Open Heaven.............................................................43
5 An Out-of-Debt Flow......................................................55
6 Putting Heaven on Notice...............................................63
7 Your Goliath Must Fall...................................................73
My Declaration of Acceptance of God's Debt-Free Guarantee. 81
1
1 God's Debt-Free Guarantee
. . . the king ... will... make his father's house
free in Israel.
1 Samuel 17:25
Few people realize how big the reward David received

for killing Goliath really was. The Word of God tells us
that besides winning two other valuable prizes, the king
cancelled every single debt David's father owed or ever would
owe.
Just think about it for a moment. By simply allowing
God to use him, a little shepherd boy received a debt-free
guarantee from the highest authority in his nation. Keep in
mind that David was a part of his father's house in the same
way that David's children would be a part of David's
household. Therefore, when David brought an end to
Goliath's reign of terror, he brought an end to the bondage
of debt over not only his father's life, but his own life as
well.
An Extensive Guarantee
Notice that David's debt-free guarantee was powerful
because the word of the king backed it up. Let's take a
closer look at Scripture and see exactly what the king
promised to do for the person who would slay the giant
called "Goliath."
... Have ye seen this man that is come up?
surely to defy Israel is he come up: and it shall be,
that the man who killeth him, the king will enrich
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him with great riches, and will give him his

daughter, and make his father's house free in Israel
1 Samuel 17:25
Scripture tells us there would be three rewards for the

person who killed the giant. First of all, the king would give
the overcomer great financial riches. He would also allow
him to marry his daughter. These two rewards meant the
overcomer would live like a king. Beyond that, he would
receive a prize that would change everything for bis father's
family. The entire family of the giant-slayer would live the
rest of their lives totally free from the bondage of debt. This is
the part of the promise I would like to focus your attention
on in this book. I want to show you, step by step, how to lay
hold on God's debt-free guarantee and put it to work in your
life.
Stripped Naked
Let me now draw your attention to another important
piece of information this portion of Scripture gives us. I
want you to see the literal meaning of the name Goliath.
There is much more to this name than meets the eye.
Upon close examination, you will find that Goliath is
not a Philistine name. Instead, it is a name the Hebrews
gave to the giant. Strong's Concordance lists it as the Hebrew
word #1555. There the spelling is only slightly different
from our English spelling. Instead of using an "i," the
Hebrew word contains a "y." Goliath comes from word
#1540, galah, which the Hebrew dictionary defines as
meaning "to denude" or "to make nude."
When it describes the giant Goliath, the literal meaning
of the word is "the one who takes captives and strips them
naked." This definition is significant because Goliath is a
descriptive name the Hebrews had given to the giant. It
8
explains how the Hebrews found themselves after they had

come under his control. He had taken them captive, and
then stripped them naked!
Debt Will Strip You

If you think about it a moment, you will have to
conclude that the name Goliath perfectly describes how the
spirit of debt affects its victims. After working hard for
your money, then finding that federal withholding taxes
have stripped away 25 to 35 percent of your hard-earned
pay, does anything describe the feeling more perfectly than
being stripped? This feeling doesn't get any better when you
realize the taxes you pay are the direct result of a free-
spending, debt-hungry legislature that has overspent and
borrowed to cover it up for longer than anyone can
remember.
As if your taxes aren't enough, then comes the added
discouragement of seeing your house payment, car
payment, credit-card debt, second mortgages, and other
bills systematically strip away the remainder of your
paycheck!
Anyone who has been in debt for any length of time at
all will quickly tell you how it feels. It is as if you have
been taken captive and systematically stripped naked. You
can describe debt as a horrible, ripping sensation, one that
never stops tearing away at your hopes and dreams.
Dear friend, if you are in debt, you had better pay close
attention to the things the Spirit of God has to say to you in
this book. There is only one thing that will stop the
devastation debt is bringing into your life. You must totally
defeat the goliath of debt that has come to feed on your
dreams.
9
Debt is a spirit. It's a ruling spirit whose only purpose is

to turn you into a servant. Please don't think I have made
this conclusion on my own. It is a truth that comes from the
Word of God, for if you are a borrower, the Bible says you
have become a servant.
... the borrower is servant to the lender.
Proverbs 22:7
Five Powerful Concepts

The biblical account of David's victory over the giant
contains special truth that will help you to lay a firm hold
on God's debt-free guarantee. The Word of God tells us
when he stepped onto the battlefield to face Goliath, David
brought something special with him. In his hand he had five
smooth stones. He would use them as ammunition against
Goliath. Scripture tells us he took these stones out of the
brook.
And he took ... five smooth stones out of the
brook....
1 Samuel 17:40
Water is often a type of the Holy Scriptures.

That he might sanctify and cleanse it with the
washing of water by the word.
Ephesians 5:26
Without having to use much imagination, you can

easily see the brook as representing the Word of God.
Please notice something important about the stones
David took from the brook. They were smooth stones.
Their condition tells us they had been in the brook for a
very long time. The continuous flow of the water over them
had worn away all the rough edges. This is the way it is
with all the truth that comes from the Word of God.
10
Everything you find in the Bible is tried and true and has
withstood the test of time.
... thy word is truth.
John 17:17
Illustrations from the Bible have worked as inspiration

for others throughout the ages, and this one will start
working for you today. I am going to show you how to use
five proven concepts from the Bible to win your battle with
the Goliath of debt you now face. These truths carry with
them a promise of God's power to help you in your war on
debt.
The Debt-Free Guarantee

Any one of the stones I am about to place in your hand
has enough power in it to remove forever the debt you are
now facing. However, when you put them all together and
faithfully operate them, they will go beyond just getting you
out of debt. They will bring you into God's debt-free
guarantee.
Now please don't look upon these concepts as if they
were my own ideas. Instead, I want you to see them for
what they really are. They are God's ideas. The further you
read in this book, the more obvious it will become that they
could not be the thoughts of a mere man. They are the
thoughts of our great God.
High-Powered Truth Awaits You

The five powerful concepts I will put at your disposal
are as follows:
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Stone #1: Three things you must know!

First, your God is a debt-cancelling God. Second, He is
no respecter of persons. Third, He wants you out of debt.
Stone #2: Two things you must start doing!
First, you must start doing the things that will get you
out of debt. Second, you must start speaking as if you are
going to be debt free.
Stone #3: Create an open heaven!
You must be a faithful tither.
Stone #4: Create an out-of-debt flow!
You must use the golden rule in your war on debt.
Stone #5: Place heaven on notice!
You must build a memorial that declares your intention
to be debt free.
Keep your spirit open, because the pages of this book
are filled with divine revelation that will place within your
grasp God's debt-free guarantee.
The Big Mistake

Please don't make the mistake of thinking that by
faithfully making your payments each month, you will one
day get out of debt. It just doesn't work that way. If it did,
you would constantly be hearing about people who were
becoming debt free. I say this because the vast majority of
the people who are in debt, faithfully pay their bills each
month. However, few of them ever get out of debt. The
reason for this situation is simple. The spirit of debt keeps
dragging them in deeper and deeper.
If you ever hope to overcome the spirit of debt, you must
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have a plan. It must be a powerful plan, one that uses the

very force of God to guarantee your victory.
After faithfully studying about debt for the past fifteen
years, I can honestly say nothing is more effective in setting
people permanently free from it than the truth in God's
Word. However, you must remember it is not just the truth
that sets you free. It is the truth of God's Word that you
know. Believe me, as long as you don't know a truth, you
cannot walk in it.
. . . ye shall know the truth, and the truth [you
know] shall make you free.
John 8:32
Now please don't look upon God's debt-free guarantee

as a new idea, for it is not. It is simply a neglected truth.
You Can Defeat Goliath

Thank God for His wonderful Word! In it He tells us
how to overcome anything and everything the devil can
possibly use against us.
... they [people just like you] overcame him
[the devil] ... by the word of their testimony....
Revelation 12:11
The Apostle John tells us overcoming power comes to

us from the testimonies of other believers. Yes, you are
reading correctly. God has given the victory testimonies of
others the ability to impart to you the inner strength and
insight you need to overcome the devil. Throughout this
book I will be sharing testimonies from people just like you
who have defeated the Goliath of debt. Their victory reports
will help increase your faith as you begin your out-of-debt
program.
If you will now open your hand and turn the page, I will
13
drop stone #1 into it.
14
2
2 Three Things You Must Know
. . . the truth [you know] shall make you free.
John 8:32
God is definitely not silent on the subject of debt. The

Bible gives instance after instance in which God
miraculously cancels the debts of His people. In fact, the
Holy Bible has more to say about the cancellation of
people's debts than it does about blind eyes being opened,
or lame legs walking. The Word of God actually speaks of
debt cancellation from cover to cover.
Stone #1
This first stone you must lay hold of is an information
stone. God has three important pieces of information you
must firmly fix in your mind. It is important that you
thoroughly understand each of these principles. As soon as
you do, you will immediately begin to feel the energy of
God flowing into your out-of-debt program. Please believe
me. These are not just idle words. Real, enabling power will
flow from God's life into your life.
I hope you are aware that power does flow from God to
man. There are a number of scriptural references that prove
this fact. If you remember, God's power flowed when the
woman with the issue of blood touched the hem of our
Lord's garment. As soon as she touched the truth (Jesus),
power flowed from Him, to her. It was the kind of power
she needed, for it instantly healed her body, stopping her
flow of blood.
15
... Jesus, immediately knowing in himself that

virtue had gone out of him, turned him about in the
press, and said, Who touched my clothes?
Mark 5:30
In that same way, the power you need will flow from
God directly into your life. Each of these truths from God's
Word will release a burst of divine power into your out-of-
debt program.
The three truths you must know are as follows:
1. God is a debt-cancelling God.
2. God is no respecter of persons.
3. God wants you to be debt free.
God Can Do Anything

It goes without saying that God can do anything. The
Bible clearly states He can.
... Lord God ... there is nothing too hard for
thee.
Jeremiah 32:17
There can be no question about it. Jehovah God can

cancel debt. With this truth stated, let me go on to say that
simply knowing God can cancel debt will not release any
significant amount of God's power into your out-of-debt
program. Let me explain what I mean by the following
illustration.
Let's say you needed $100,000 to buy a house. It goes
without saying, God is capable of causing a plant in your
garden miraculously to grow thousand-dollar bills instead
of leaves. He could allow a hundred of these thousand-
dollar bills to grow on your miraculous money tree. This
money would amount to the $100,000 you desired for the
purchase of the house.
16
Three Things You Must Know
No one in his right mind would dare say this miracle

would be impossible for God to perform, especially when
you know He has done stranger things before. In fact, He
has caused a donkey to speak (Numbers 22:28), an ax head
to swim (2 Kings 6:6), and oil to multiply (2 Kings 4:5,6).
However, knowing God is able to do a thing does not mean He
will do it.
God Has Cancelled Debt Before

The first piece of information you must know is not that
God is capable of cancelling debt. You must know He has
cancelled debt before. Let me now take you through the Word
of God and show you some of the many miraculous debt
cancellations God has performed in the past.
A Widow's Debt Is Cancelled (2 Kings 4:1-7)

God supernaturally intervened and cancelled a widow's
debt. He did it the same day her two sons were to become
servants of the lender. You will find the account of this
miracle of debt cancellation in the fourth chapter of 2
Kings. The Scripture tells us the poor woman's husband had
died. While Scripture doesn't specifically give the cause of
his death, it could well have been the pressure that debt
brought to bear upon his life. Scripture goes on to tell us
her two sons would have to spend many years at hard labor
paying off their daddy's debt.
In a desperate, last-minute attempt, the widow turns to
her man of God for help with her financial problem just
moments before it would be too late. As soon as she tells
him of her circumstances, he speaks a powerful word of
deliverance to her. He tells her she must borrow vessels,
many vessels. She must then go into her house and begin to
17
pour her meager supply of oil into the vessels she has
borrowed.
As soon as she obeys the prophet, her miraculous debt
cancellation begins to materialize. It is such a powerful miracle
that it makes her and her two sons totally debt free and
financially set for life. Her little pot of oil miraculously
multiplies into many gallons of oil.
Listen as her man of God tells her to sell the oil, pay her
debt, and use the surplus for retirement.
... Go, sell the oil, and pay thy debt, and live
thou and thy children of the rest.
2 Kings 4:7
Carefully notice that the day the devil intended to be her

worst, God turned into her best. All of this activity took
place because she knew her God was a debt-cancelling
God. When she turned to Jehovah God for help with her
debt instead of turning to the lender, she released the power
of God into her out-of-debt program. She did not have to
face the evil day alone. She took her debt problem to God
in faith, believing He was a debt-cancelling God. Her belief
paid off when her debt-cancelling miracle became a reality.
I want you to say the following sentence out loud. "My
God is a debt-cancelling God!"
Testimony:
We have had a miraculous debt cancellation
of $6,000 on one of our credit cards. T. & M.O.
—Clarkston, GA
A Borrowed Ax Head Swims (2 Kings 6:5-7)

Just a few pages further in the Book of 2 Kings, we find
yet another miraculous debt cancellation. It takes place in
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the life of a young man who has lost an ax head in the river.
The thing that makes the loss of the ax head so important is
that it was not just any old ax head. Scripture tells us it was
a borrowed ax head.
... Alas, master! for it was borrowed.
2 Kings 6:5
Notice the first thing the young man does. He calls out
for help from God. It would seem as if he should call for
the best diver, or maybe the best swimmer. However, he
doesn't. Instead he calls on God. His action leads us to
believe he knew his God was a debt-cancelling God.
Please notice that the prophet also believes God to be a
debt-cancelling God. As soon as he hears that it was a
borrowed ax head, the man of God moves into action, and
the ax head miraculously swims to the surface.
and the iron [ax head] did swim.... And he put
out his hand, and took it
2 Kings 6:6,7
Don't you just know this young man went home

rejoicing that his God cancels debt? Think of it. A miracle
from God set him free of the pending debt. The same
Jehovah God who caused the borrowed ax head to swim up
from the bottom of the river is also your God, and He is a
debt-cancelling God.
Please say it out loud again. "My God is a debt-cancelling
God!"
A Nation Becomes Debt Free (Nehemiah 5:1-12)

In the days of Nehemiah, debt had risen to unbelievable
levels. It was a day much like our day. The nation was deep
in debt. People were borrowing because of the severe
problems they were facing.
19
... We have mortgaged our lands, vineyards,

and houses, that we might buy corn, because of
the dearth.
Nehemiah 5:3
Not only that, but they were also borrowing money to

pay their taxes.
... We have borrowed money for the king's
tribute, and that upon our lands and vineyards.
Nehemiah 5:4
This same thing is happening right now in our nation.
Many are having to borrow to pay the IRS. However, as
grim as all this lack seems, it is but a small problem for our
God.
Nehemiah moves in full confidence that the God of
Israel is a debt-cancelling God. He commands the lenders
to cancel the people's debts and set them free.
Miraculously, God leads all the lenders to forgive the whole
nation of their debts. Yes, you are reading right. Every one
of God's children becomes debt free in a single day.
. . . I [Nehemiah] pray you [the lenders], let us
leave off this usury.
Restore, I pray you, to them, even this day,
their lands, their vineyards, their oliveyards, and
their houses, also the hundredth part of the
money, and of the corn, the wine, and the oil, that
ye exact of them.
Then said they, We will restore them, and will
require nothing of them; so will we do as thou
sayest...
Nehemiah 5:10-12
Notice that Nehemiah boldly spoke to the people's

mountain of debt, and just as surely as he spoke, his faith
removed the mountain of debt from his people.
. . . If ye have faith, and doubt not. . . ye
20
shall say unto this mountain, Be thou removed, and

be thou cast into the sea; it shall be done.
Matthew 21:21
The Bible tells us Nehemiah's people became debt free

when they believed in their debt-cancelling God's ability to
deliver them.
Let's say it out loud again. "My God is a debt-cancelling
God!"
Testimony:
The Lord blessed us with $5,800 to pay off
three credit cards. J.G.—Hollywood, FL
Jesus Has a Debt Cancelled (Matthew 17:24-27)

The next illustration of God's debt-cancelling power
comes from the New Testament. The debt we will now see
cancelled is a tax bill. A large number of God's children
face delinquent taxes. Many of them write me and ask if
God cancels tax bills. Praise God, He most surely does.
Better than that, He most surely has.
Scripture tells us that God cancelled a tax bill for
someone whom we all know and love. He did it for our
Lord and Savior Jesus Christ! The account of this
miraculous debt cancellation is in the seventeenth chapter
of Matthew. There we find the tax collector confronting
Simon Peter. The tax collector asks him if Jesus is going to
pay His taxes (tribute money). Simon Peter immediately
tells the man that Jesus most certainly is. As Peter leaves
the tax collector to get the necessary cash from the treasury,
our Lord sets in motion a miracle of debt cancellation that
pays off both of their tax bills.
Notice that Jesus deliberately prevents Simon from
proceeding with his plan to use the cash reserves of the
21
ministry to pay the bill.

... And when he was come into the house, Jesus
prevented him....
Matthew 17:25
Instead, Jesus sends Simon on a fishing trip. Now

please notice it is a special trip, for it is for a single fish.
Oh, what a miraculous fish it would be, for it would have
money in its mouth.
. . . go thou to the sea, and cast an hook, and
take up the fish that first cometh up; and when
thou hast opened his mouth, thou shall find a piece of
money: that take, and give unto them for me and
thee.
Matthew 17:27
There it is in black and white. God performed a miracle

of debt cancellation for Jesus. Go ahead and say it out loud
again, but this time, say it as if you really mean it. "My God
really is a debt-cancelling God!"
Testimony:
God miraculously paid off our IRS bill and
gave us money to sow. B.B.—Euless, TX
Biblical Debt Cancellations Abound

You will find many other miraculous debt cancellations
throughout God's Word. The following four instances will
further help to establish this truth in your heart and mind.
Your God goes well beyond just being able to cancel debt.
He is, in fact, the God who cancels the debts of His people
time and time again.
For your further information, see these biblical
accounts:
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1. A slave named Onesimus was set free from debt

(Philemon 10-19).
2. King David's father also became debt free (1
Samuel 17:25).
3. The entire nation of Israel had all of their debts
cancelled every seven years. This debt cancellation
took place at the time we call the "year of release"
(Deuteronomy 15:1,2).
4. At the end of each fifty-year period, Israel had a
special debt-cancellation party. It was called the
"jubilee." At that time, creditors cancelled all debts
and returned all properties to the original owners
(Leviticus 25).
I want you to say it one more time. "My God is a debt-
cancelling God!"
Feel the Power Begin to Flow

Now that you know God has cancelled debt before, I
want you to add to this knowledge that He is the same today
as He was yesterday, and He will be the same forever. With this
powerful combination of truth, you will begin immediately
to experience the energy of God flowing into your out-of-
debt program.
Jesus Christ the same yesterday, and to day,
and for ever.
Hebrews 13:8
This is energy-releasing knowledge, for if God has

cancelled debt before, the Bible says He will do it again.
Hallelujah! Your God is still cancelling debt today. If He
did it before, you can depend upon His doing it again.
God Is No Respecter of Persons
23
There is a second thing you must know. Your God is no

respecter of persons.
. . . Of a truth I perceive that God is no
Acts 10:34
You just learned that God has cancelled debt before. If

you add to that knowledge the fact that God is no respecter
of persons, you will be able to draw even more of God's
power into your out-of-debt program. If you know God has
done something special for a specific individual, you can be
assured He will do the same thing for you.
He cancelled the debt of the widow (2 Kings 4); He
cancelled the debt of the young man who had borrowed the
ax head (2 Kings 6); He cancelled the debt of everyone who
was with Nehemiah (Nehemiah 5). He even cancelled the
debt of our Lord and Savior Jesus Christ (Matthew 17). If
you know He helped these folks by cancelling then-debts,
you can be confident He will be willing to help you with
your debts. If He did it for others, He will do it for you,
because He is not a respecter of persons!
... God is no respecter of persons.
Acts 10:34
God Wants You to Be Debt Free

There is a third thing you must know. When you have
learned it, this knowledge will release even more of God's
enabling power into your debt-free program. You must
know beyond any shadow of a doubt that God wants you to
be debt free.
Notice I did not say, you must know God doesn't want
people to be in debt. You must have personal knowledge
that goes beyond this fact if you want even more of God's
24
power in your out-of-debt program. You must know it is

God's perfect will for your life that you be totally debt free.
Try this information on for size by saying your name in
the following sentence. "God wants (your first name) (your
last name) to be debt free!" Repeat this sentence as many
times as it takes to fill your consciousness with it.
Testimony:
Through your teaching we realized that God
wanted us debt free. At that time we could
barely make ends meet, but we declared war
on debt, and within a few months we were able
to pay off over $6,000 of our debts. CD.—Adair,
OK
How God Feels About Your Debt

Just imagine what would happen if you were to stand
before God today and ask Him how He feels about your
debt, I mean all of it—your house payment, car note, credit
cards, as well as all the rest of your unpaid bills. What
would His reply be? Would He say, "I really don't pay any
attention to your debts. Just use wisdom and don't overload
yourself? Or would He say, "Precious child, my perfect will
for you is that you be totally debt free"?
God's Word tells you in black and white that He wants
you to be debt free. Please take the time to read the first
fourteen verses of the twenty-eighth chapter of
Deuteronomy. In them you will find that your God says His
children who obey Him will be blessed people. He says He
will actually send the blessings out to overtake His obedient
children. He promises to bless them in the city, as well as in
the field (Deuteronomy 28:3). He says their cupboards will
be full. He even says the obedient ones will have savings
accounts.
25
Blessed shall be thy basket and thy store

[savings].
Deuteronomy 28:5
He also promises this group they will have plenty of

nice things.
... the Lord shall make thee plenteous in
goods....
Deuteronomy 28:11
The ones who please Him will be "... the head and not
the tail..." (Deuteronomy 28:13).
Now get the rest of this passage! The obedient saints
will be debt free!
... thou shalt lend ... and thou shah not borrow.
Deuteronomy 28:12
Disobedient Saints Will Walk in Debt

In verse 15 of this same chapter, the writer makes an
abrupt turnaround. He speaks to the disobedient saints, the
ones who will not walk in His ways. He tells them they will
walk in curses instead of blessings.
But it shall come to pass, if thou wilt not
hearken unto the voice of the Lord thy God, to
observe to do all bis commandments and his
statutes which I command thee this day; that all
these curses shall come upon thee, and overtake
thee.
Deuteronomy 28:15
The list of curses goes on for fifty-three verses. Among

them, one thing really stands out. Those who walk contrary
to God's will, walk in debt.
The stranger that is within thee shall get up
above thee very high; and thou shalt come down
very low.
26
He shall lend to thee, and thou shalt not lend to

him: he shall be the head, and thou shalt be the tail
Deuteronomy 28:43,44
With this information you know God wants you to be

debt free. When you have a specific word from God, you also
have His assurance that you can fulfill it. He promises that
His Word will empower you to accomplish His will.
For with God nothing is ever impossible and
no word from God shall be without power or impossible
of fulfillment.
Luke 1:37, Amplified
The very Word of God that brings you His will for your
life, is filled with power to accomplish it. Just think about
it. The power to carry out a word from God is always
resident in that Word. In other words, God will never speak
a word to you that He is not willing to empower you to
fulfill. Every word He speaks to you has His power in it to
help you accomplish it.
The same Word of God that tells you He wants you to
be debt free, carries with it an infusion of God's power that
will enable you to overcome the debt you face.
Stone #1 Is Now in Your Hand

I hope you are seeing what a powerful advantage these
three pieces of knowledge are giving you. When you know
these three facts about God's mind on debt, stone #1 will be
in your arsenal. This stone will be ready to deliver God's
knock-out punch to the Goliath of debt that holds you
captive. The Word of God says that with each of these
strategic pieces of knowledge, supernatural power comes to
you from God. His power will energize your debt-free
program and give it the staying power you will need to rid
yourself thoroughly of the spirit of debt. It will become one
27
of the five great weapons that will deliver God's debt-free

guarantee to you.
Testimony:
I became aware of the reality of cancelled
debt when I called the hospital to get the
balance of our account after the birth of our
second child and was told we had no balance.
B.G.—Mt. Pleasant, SC
Energizing Truth
Remember, stone #1 consists of three important truths:
Truth 1: Your God is a debt-cancelling God. If He did
it before, He will do it again.
Jesus Christ the same yesterday, and to day,
and for ever.
Hebrews 13:8
Knowing this truth releases the power of God to you

because it gives you the knowledge that miraculous debt
cancellation is still happening today.
Truth 2: Your God is no respecter of persons. You now
know He has cancelled the debts of other individuals.
Therefore, He is willing to do the same for you.
... God is no respecter of persons.
Acts 10:34
Knowing this truth releases God's power to you because

it lets you know that it can also happen to you.
Truth 3: It is God's will that you be totally debt free.
And all these blessings shall come on thee, and
overtake thee, if thou shalt hearken unto the voice
of the Lord thy God.
... and thou shalt lend ... and thou shalt not
28
borrow.
Deuteronomy 28:3,12
Knowing this truth releases even more of God's power

to you because you now have a specific word from God about
being debt free. His Word says He wants you out of debt,
and with His word comes the promise of the power necessary
to accomplish it.
no word from God shall be without power or
impossible of fulfillment.
You must now get ready for the release of even more of
God's power into your life, for the truth of the next chapter
will be equally effective in your out-of-debt program.
29
3
3 Things to Do
... faith, if it hath not works, is dead, being
alone.
James 2:17
The city where I grew up was unique in many ways.

One of them was the colorful sayings the people used to
express themselves. They were part of the rich, southern
Texas heritage that so greatly influenced my early years.
One of those sayings was especially descriptive. It was
short and to the point, as well as true! It went like this,
"Talk is cheap." When someone used this phrase, everyone
understood it would take more than talk to get the job done.
This statement agrees with the Bible, for it says:
... faith without works is dead.
James 2:20
Nowhere is this saying more true than when it comes to

getting out of debt, for unless you take decisive action,
absolutely nothing will come of your out-of-debt plan.
Stone #2
The second stone I want to place in your hand will call
for some definite activity on your part. To receive the full
benefit of the divine energy it brings to your out-of-debt
program, you are going to have to start doing some things.
Simply said, you are going to have to do the things people
who are getting out of debt do.
31
Testimony:
I got completely out of debt by following
your instructions. K.B.—Toronto, Ontario
Hearers and Not Doers

I have always been amazed at the number of Christians
who choose to only hear the Word, and never seem to do
the things it says. I find this situation to be a particular
problem when it comes to becoming debt free. Every time I
speak to a group about getting out of debt, they give me
their undivided attention. After each session, they storm the
book table and purchase everything I have available on the
subject. However, on my return trip, I find that most of the
people who had listened so intently just a short time before,
have made absolutely no attempt to put into practice any of
the principles I taught them. It goes without saying they
were eager hearers. Why, they even loaded up with the
support material from the book table. However, they just
never took the next step and became doers of the words
they heard. The Apostle James is speaking of this kind of
people when he says:
. . . be ye doers of the word, and not hearers
only, deceiving your own selves.
James 1:22
A Common Misconception
It seems as if there is some flaw in the nature of
Christians that causes them to think they automatically
possess the benefits of a scripture by just hearing it. This
assumption is absolutely untrue! The truth is the exact
opposite, for in Christianity, it actually becomes a liability
to know a truth and not to act upon it.
32
Things to Do
. . . to him that knoweth to do good, and

doeth it not, to him it is sin.
James 4:17
Faith Without Works

Miracles come to those who have the faith to receive
them. We have seen in a previous chapter that the miracle
of cancelled debt is real. We have also seen that it is readily
available. However, like most of God's blessings, it is
conditional. You must have living faith to receive it. Notice
that when I say faith, I mean really strong faith. It takes
more than just a wish. Once again, we must hear the
Apostle James on this matter, for he tells us if we have not
put action (works) with it, our faith is dead. Be assured that
dead faith will not have the ability to draw the miracle of
debt cancellation into your life.
... faith, if it does not have works (deeds and
actions of obedience to back it up), by itself is
destitute of power (inoperative, dead).
James 2:17, Amplified
The King James Version says it a bit more bluntly. It

simply says, "Faith without works is dead." Faith alone
cannot accomplish anything.
Stop Doing the Old Things

If you are going to enjoy God's debt-free guarantee,
there are some basic things you are going to have to stop
doing. You will have to stop impulse buying. It may take a
rubber band around your checkbook, or better yet, atwo-
signature checking account so that your spouse or financial
counselor can help you decide if the thing you are about to
purchase is really necessary. You should have a readily
available list of qualifications an item must meet before you
33
will purchase it.*

You will also have to give up credit cards (unless you pay
the balances in full each month). I like to refer to this
process as "plastic surgery." You will have to take the
scissors to your plastic credit cards and do some surgery on
them.
You must immediately close any open charge accounts.
(These accounts exist primarily in smaller towns where the
local hardware or grocery store or gas station allows trusted
customers just to sign for their purchases.)
Immediately remove any and all easy-purchase, pay-later
systems that may have attached themselves to you before
you decided to become debt free. Make it a hard and fast
rule to pay for whatever you purchase as soon as you
receive the goods or services. No more lay-away plans
either. As rough as it may seem, it is best if you just go cold
turkey and stop spending for anything except the necessities
of life.
Please take note that the Bible does not teach a no-
luxury lifestyle. However, if it is your heart's desire, getting
out of debt will call for a new resolve on your part. You
will have to go through a season of belt-tightening while
you are paying off the deficit spending of the past.
Keep in mind that people who succeed in living in
God's debt-free guarantee have made a quality decision to
stop going into debt. They have made up their minds they are
getting out of debt. They concentrate on using every spare
cent they can get their hands on to pay off their existing
bills. They become fanatically committed to not going any
further into debt.
* To receive "Questions to Ask Yourself Before Going Into Debt," write to the
address at the back of this book and request your free copy.
34
Things to Do
Testimony:
We implemented the strategies that you
outlined in your books and tapes, and God has
blessed us. Just within the past two years, the
Lord has delivered us from approximately
$400,000 of debt. E.W.—Kenner, LA
The Debt-Free Language

You must do a second thing if you want to bring the full
power of stone #2 into your out-of-debt program. You must
start speaking as if you are going to get out of debt. Let me
illustrate.
Many years ago I met a man named Ike Gabbert. He
was a Cumberland Presbyterian preacher who lived in the
outback of Kentucky. When I say outback, I mean really
primitive, rural Kentucky. Each afternoon, I would visit
with him on his front porch, and he would teach me
wonderful truths about God from his old, worn Bible.
During those front-porch sessions, neighbors would
often stop by. Each time the old preacher would see a
neighbor approaching, he would make the same statement. I
can still hear him as he would say, "Here comes a person
who says he is going to heaven. Let's see if he has anything
to say about heaven."
After several of these visits I asked, "Why do you
always make that same statement about your neighbors?"
Pastor Gabbert looked at me and said, "John, I have found
that people will always talk about the place they are going."
What a wonderful truth that old, circuit-riding preacher
dropped into my spirit! It is powerful because it's a Bible
truth. Please see if the following verse doesn't say almost
the same thing.
35
For verily I say unto you, That whosoever

shall say unto this mountain, Be thou removed,
and be thou cast into the sea; and shall not doubt
in his heart, but shall believe that those things
which he saith shall come to pass; he shall have
whatsoever he saith.
Mark 11:23
Talk About It
Yes, it's a fact. People do talk about where they are going.
If you notice, people going on vacation talk about the
places they will visit. People about to get married will be
talking about their wedding. A family about to move to
another part of the country will have much to say about
their new city.
Confession Works
If you really want to put another measure of biblical
power behind your out-of-debt program, start talking about
the debt-free life you are headed toward. Boldly begin to
say, "We will soon be debt free." You should start saying,
"We will not take thirty years to pay off our mortgage. Our
plan is to have it paid in full in six years." Go right ahead
and boldly say, "The automobile we are now driving will be
the last one we will ever buy on time payments. Our next
car will be a new one, and we will be paying for it with
cash."
When you begin to state your intention of becoming
debt free, it will do two definite things for you. You will be
establishing a spiritual principle that will put the energy of
God's Word to work in your out-of-debt plan (Mark 11:23).
Not only that, but you will also receive the constant,
personal fortification that comes from hearing your heart's
desire (being out of debt) spoken out loud.
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Things to Do
The Scriptural Principle

Please notice carefully that it takes more than just
wishful words to operate the biblical principle of positive
confession. Just constantly saying "I am going to be debt
free" will not bring about a debt-free life. The Bible says
you must also believe the thing you are saying will come to pass.
... whosoever shall say unto this mountain, Be
thou removed, and be thou cast into the sea; and
shall not doubt in his heart, but shall believe that those
things which he saith shall come to pass; he shall have
whatsoever he saith.
Mark 11:23
Remember, it's not just talking that will add the extra
power to accomplish your goal. Extra power comes only
when you believe the thing you are saying will actually come to
pass. When I say believe, I mean having the kind of faith that
refuses to doubt that the things you are saying will become
a reality.
Scripture tells us the words we speak and firmly believe
are powerful. These faith-filled words are so strong they
can bring forth life or death.
Death and life are in the power of the
tongue....
Proverbs 18:21
Just think about it. Your Bible says the faith-filled

words you speak about your debt will cause it either to live
or to die. I am simply saying that if you constantly speak of
the overwhelming size of your debt, and how impossible it
will be to overcome, your words will cause your debt to
loom high above you. With each negative word, your debt
will grow more impossible to overcome. However, if you
constantly speak of your debt's becoming smaller, if your
37
conversation emphasizes how much stronger God's power

is than your debt, it won't be long until you will see your debt
begin to wither and grow smaller.
This dynamic Bible truth will divinely energize your
out-of-debt program. Your new attitude will work for you
instead of against you. Start this very day to speak words of
death to your debt, and words of life to your out-of-debt
program.
Testimony:
We have had our first debt cancellation. We
are expecting others! J.B.—Wheaton, IL
The Practical Application

A powerful truth exists in the world of sports called the
"home-court advantage." Here is how it works. When he
performs in his own hometown, an athlete is usually much
harder to defeat than when he competes in a strange city.
However, if his hometown fans boo and jeer him, if they
talk only about his weaknesses and failures, the home-court
advantage quickly becomes the home-court disadvantage.
For just a moment let's pretend you are an athlete. Let's
say you are a wrestler and your name is Christian. Let's just
imagine that your opponent's name is Debt.
If you wrestle for the championship in your hometown,
how will the match go if all you hear from the hometown
fans are cheers for your opponent? "Rah, rah, Debt! Go,
Debt, go! Defeat Christian!" It doesn't take a genius to
know there will be no home-court advantage if you hear
everyone cheering for your opponent. Debt will gain the
advantage, and he will probably have his way with you.
Now let's turn this situation around. Let's say the
38
Things to Do
hometown fans are all cheering for you. They are booing
Debt and making fun of him. Hear them as they give old
Debt the raspberries. "Debt is dead! Debt is dead! Christian
is strong! Go, Christian, go! Whip Debt!" Psychologically,
you would receive strength from the positive words you
would be hearing. The exact opposite would be true for
your opponent. He would become weaker because of the
negative words he would be hearing.
This is a second advantage that comes from boldly
speaking of your victory over debt. You weaken the grip of
debt a bit more each time you speak of the day you will
overthrow it.
On the other hand, if you are not careful, your words
will continue to snare you. Better said, your words will
actually strengthen the grip of debt on your life. With these
thoughts in mind, notice how strong the Word of God is
when it speaks of the power of words.
Thou art snared with the words of thy mouth,
thou art taken with the words of thy mouth.
Proverbs 6:2
Confession Reveals the Heart's Desire

Strange as it may seem, you will not be totally
committed to getting out of debt—I mean spirit, soul, and
body—until you are able spontaneously to speak words
about getting out of debt. Please notice, very few folks
know the statement you are about to read. Let me word it
carefully so that it can become a truth to you: Until you start
speaking spontaneously of being debt free, the words won't be
coming from your heart. Don't take my word for it. Hear
God's own Word on the subject.
... out of the abundance of the heart the mouth
39
speaketh.
Matthew 12:34
Hear it now from the Amplified Bible.

... For out of the fullness (the overflow, the
superabundance) of the heart the mouth speaks.
Matthew 12:34, Amplified
It will be easy to speak about being debt free when you

believe it with your whole heart.
Testimony Is Powerful
I want you to read just one more scripture on the power
of God that will come to you from hearing your own voice
speak words about being debt free. Everyone knows it is
the devil's desire to overcome every Christian. He uses
every possible trick to keep the children of God from
spreading the gospel. There can be no doubt about it. The
devil uses debt to redirect much of the money the Church needs
to evangelize the world into monthly payments to the world
system.
The Word of God plainly states that you can overcome
the plan of the devil (debt) by repeatedly speaking of your
soon-coming victory over debt.
... they overcame him by the ... word of their
testimony....
Revelation 12:11
When you speak about your victories over any of the

devil's opposition, you will strengthen yourself as well as
those who hear you.
Testimony:
40
Things to Do
After sowing seed in your ministry and

reading your books, we cancelled $18,000 of
debts in one year. We know the remaining
debts we have are already gone! C. & D.B.—
Hampton, VA
You Won't Like It at First

Please don't let me disillusion you. You probably won't
like getting out of debt at first. Eating at home instead of
eating out, sacking your lunch, and carrying your coffee to
work in a thermos bottle won't seem like fun things to do in
the beginning. You may not like finding things to do
around the house instead of riding around all weekend,
burning up gasoline, eating hamburgers, and drinking soda
pop. However, just give the plan a little time. When I say
time, I mean at least enough time for you to pay off your
first bill ahead of time. As soon as you have paid it, the
whole process becomes fun.
Gang Up on Your Debts

From that point on, life will just keep getting better and
better. As soon as you pay off the first bill ahead of time,
immediately add the whole amount of that payment to the
early payoff of the next bill. Suppose the first bill you pay
off is a credit card with a $30 per month payment. When
you apply that $30 payment to a department store bill with
a $60 payment, you will then begin to make one-and-a-half
payments per month on the department store bill. If it is
scheduled to be paid off in nine months, your new payment-
and-a-half will actually pay it off in six months. Why, that
will be three months earlier than the devil had planned.
Then the fun really begins, for now you have an extra $90
($30 from the first bill and $60 from the bill you just paid
41
off) to add to the payment of the next bill.

If the next bill also has a $60 per month payment, you
will now be paying $150 per month on it ($90 + $60 =
$150). This new amount will make two-and-a-half
payments each month on the next bill. As you can see, at
this rate you will be paying off the payments for a whole
year in only five months. It won't take long for the no fun of
getting out of debt, to become the fun of getting rapidly out
of debt.
Power Rushes In
By talking about your soon-coming victory and working
at paying off your debts, you are well on your way to the
debt-free lifestyle. With your new determination to stop
doing the things that got you into debt, and your absolute
resolve to do only the things that will help get you out of
debt, you will immediately feel the very life of God begin
to flow into your out-of-debt program. You will have done
exactly what God's Word prescribes. You will have added the
necessary works to your faith and thereby assured that your
faith will stay alive.
... faith without works is dead.
James 2:20
Remember, the Bible says that not only will your works
keep your faith alive, but also your faith-filled confession
will bring to pass the things you are speaking.
... whosoever shall say unto this mountain, Be
thou removed, and be thou cast into the sea; and
shall not doubt in his heart, but shall believe that
those things which he saith shall come to pass; he
shall have whatsoever he saith.
Mark 11:23
42
4
4 An Open Heaven
. . . I will ... open you the windows of
heaven....
Malachi 3:10
The powerful tool I will be placing in your hand in this

chapter is probably the easiest of the five stones to set in
motion, for it takes no more effort than just saying yes to
God's command. However, for some strange reason it is
missing from the lives of most Christians. Please note that
this stone will not be optional in your war on debt. It is
absolutely necessary if you want to live in God's debt-free
guarantee. You must operate your out-of-debt program
under an open heaven.
Good Things Come From Heaven

Every good thing you can possibly hope for has to come
to you from heaven. Your Heavenly Father, who is the
giver of all good things, is in heaven (Matthew 5:45). All
your durable treasures, if you have any, are laid up for you
in heaven (Matthew 6:20). Your guardian angel watches
over you from heaven (Matthew 18:10). When God sends
angels, they come to you from heaven (Luke 22:43). When
He speaks to you, God speaks from heaven (John 12:28).
Spiritual visions come to you from heaven (Acts 26:19).
Why, everything that makes your Christianity valuable
comes from heaven.
The Miracle of Debt Cancellation Comes From
43
Heaven
Every miracle of debt cancellation you read about in
Scripture came from heaven. The widow with the
multiplying oil had to have an open heaven for God to set
her free from debt. Hers was a creative miracle, and there is
only one Creator, and He lives in heaven.
All things were made by him; and without
him was not any thing made that was made.
John 1:3
The miracle of the borrowed ax head that swam could

not have taken place without an open heaven. It is a
scientific fact that iron cannot swim. However, there is One
who can make iron swim, and He lives in heaven. He is
God, and with Him nothing is impossible!
... with God all things are possible.
Mark 10:27
The miracle of debt cancellation for Nehemiah and his

people took place under an open heaven. No lender in his
right mind would ever release the debt of an entire nation
without the intervention of heaven.
The king's heart is in the hand of the Lord, as
the rivers of water: he turneth it whithersoever he will.
Proverbs 21:1
When our Lord and Savior Jesus Christ experienced the

miraculous debt cancellation with the money in the fish's
mouth, His miracle most surely came through an open
heaven, for Jesus walked simultaneously in heaven and in
earth.
. . . no man hath ascended up to heaven, but
he that came down from heaven, even the Son of
man which is in heaven.
John 3:13
44
An Open Heaven
You must now make a quality decision, for if you hope

to walk in God's debt-free guarantee, you must walk under
an open heaven. You must be an uncompromising tither.
Testimony:
Since I have been consistent in my tithes and
offerings, doors have started to open up for me
as well as pay raises. This is truly a miracle of
debt cancellation. J.B.—Los Angeles, CA
Tithing Opens Heaven

It takes only a brief look at Scripture to realize you must
be a tither if you hope to have an open heaven.
Bring ye all the tithes into the storehouse, that
there may be meat in mine house, and prove me
now herewith, saith the Lord of hosts, If I will not
open you the windows of heaven....
Malachi 3:10
Tithes Are Paid, Not Given

Scripture clearly teaches that the tithe belongs totally to
God. It is not the property of the person who pays it. It is
the property of God. The person who pays it has only been
entrusted with it for a short period of time.
... all the tithe of the land, whether of the seed of
the land, or of the fruit of the tree, is the Lord's: it is
holy unto the Lord.
Leviticus 27:30
Notice that the writer of Hebrews does not refer to the

act of tithing as giving tithes. He calls it "paying tithes."
... Levi... paid tithes in Abraham.
Hebrews 7:9
45
Also notice he doesn't say the Levites received the tithe.

He says they took the tithe from the people.
. . . the sons of Levi ... take tithes of the
people....
Hebrews 7:5
Jesus Himself spoke of the tithe as being paid instead of

being given.
... for ye pay tithe of mint and anise and
cummin... these ought ye to have done....
Matthew 23:23
Not Tithing Is Stealing

If God's Word is clear about anything, it is that the
person who doesn't tithe is actually stealing from God. God
says the non-tither has robbed Him.
Will a man rob God? Yet ye have robbed me.
But ye say, Wherein have we robbed thee? In
tithes and offerings.
Malachi 3:8
Harsh Words
The words you just read may seem a bit strong.
However, they come directly from the Holy Bible. You
must keep in mind that just because our God is a good God
doesn't mean He is not a just God. True justice usually calls
for strong words.
A quick look at Scripture will reveal that the tithe is
only one of many things about which God speaks strongly.
He surely uses forceful language when He speaks of the
eternal destiny of those who reject Christ. He says they will
burn forever in hell (Revelation 20:15). He also uses harsh
words when He gives His opinion about those who refuse
46
An Open Heaven
to work or support their families. He says they should not

be allowed to eat (1 Timothy 5:8; 2 Thessalonians 3:10).
Everyone who reads the Bible is aware that it is a book
of strong language. God has to use stern words because He
deals with fallen mankind about life-and-death issues. It
only stands to reason that when He deals with something
such as robbery, God must use strong language. It's not
God's nature to be harsh, but the sin of robbing Him brings
forth the harsh words. So please do not be offended with
God about the forceful language He uses. Instead, be
offended with the sin of not tithing which causes it.
Embezzlement
With this matter settled, I must now speak plainly about
your responsibility to tithe. If you are not tithing, you are
taking that which rightfully belongs to God and using it for
yourself. It doesn't take a rocket scientist to know not
tithing is a clear violation of God's commandments. In
secular terms, not tithing is nothing short of embezzlement.
It's a Hard Way

Please know that anything you try to do as a non-tither
becomes much more difficult to accomplish. For one thing,
God will not extend His helping hand to you as long as you
live under a closed heaven. If you will hear the following
scripture with open ears, it will help you to understand that
when you disobey (transgress) God's instructions, everything
in your life immediately becomes harder to accomplish.
. . . the way of transgressors is hard.
Proverbs 13:15
The Devourer
47
Not only does your way become harder, but not tithing
looses into your life the spiritual entity the Bible calls "the
devourer." Scripture shows only one way to stop the
devourer from ruining every aspect of your life. The
remedy is plain and simple. You must immediately start tithing.
Bring ye all the tithes into the storehouse, that
now herewith, saith the Lord of hosts, if I will not
open you the windows of heaven, and pour you
out a blessing, that there shall not be room enough
to receive it
And I [God] will rebuke the devourer for your sokes,
and he shall not destroy the fruits of your
ground....
Malachi 3:10,11
Your Timing Will Be Off

A second thing takes place under a closed heaven that
will make your life harder. The timing of your entire life
will be totally out of harmony with God's desire for you.
Malachi tells us when you start tithing, God promises that
untimely events will stop taking place in your life.
... neither shall your vine cast her fruit before
the time in the field....
Malachi 3:11
Upon close examination of Malachi 3:8-11, you will see

that faithful tithing brings you an open heaven (verse 10). It
will also cause God to rebuke the devourer for your sake.
Finally, those untimely, destructive events that constantly spoil
your ability to increase will stop happening (verse 11).
Thus saith the Lord, thy Redeemer, the Holy
One of Israel; I am the Lord thy God which
teacheth thee to profit, which leadeth thee by the
way that thou shouldest go.
48
An Open Heaven
Isaiah 48:17
Testimony:
We have experienced a miraculous debt
cancellation. We know why God has blessed us.
We have never stopped giving our tithes and
offerings as God designated. Even in the lean
times, we were faithful stewards. I. & L.E.—
Birmingham, AL
How to Tithe
While most Christians know how to tithe, it is still
important that we take a moment and rehearse the
mathematics of this important biblical principle. It is
necessary to realize the tithe is not an optional amount of
money. It is a specific amount. God's Word plainly states that
the tithe is 10 percent of all the increase you receive.
. . . all the tithe of the land, whether of the
seed of the land, or of the fruit of the tree, is the
Lord's: it is holy unto the Lord.
Leviticus 27:30
It is quite easy to prove from God's Word that the tithe

is exactly 10 percent. We can prove this percentage in two
ways. First, the Hebrew word translated in the Bible as tithe
literally means "the tenth." Another way of establishing
beyond any shadow of a doubt that the tithe is exactly 10
percent is by comparing two verses of Scripture. They both
speak of the same event: Melchizedek's meeting with
Abraham.
Notice that in the Genesis account, the word the writer
translated as tithe is describing the things Abraham gave to
Melchizedek. When the Hebrews account uses it, the word
tenth is speaking of those same things.
49
... And he [Abraham] gave him [Melchizedek]

tithes of all.
Genesis 14:20
Now consider how great this man

[Melchizedek] was, unto whom even the patriarch
Abraham gave the tenth of the spoils.
Hebrews 7:4
This comparison should settle forever the question of

how much the tithe is. It is not a discretionary dollar
amount. It is a percentage (10 percent) of the total increase
you receive.
Gross, Not Net

You should always figure the tithe on your gross
income, not on your net income. God's Word tells us the
tithe should be the firstfruits of your increase. Better said, it
should be the first thing you pay from your increase.
Honor the Lord with thy substance, and with
the firstfruits of all thine increase:
So shall thy barns be filled with plenty....
Proverbs 3:9,10
It should be clear from this scripture that you are to pay

your tithe first. If you do not pay it first, you will not be
honoring God with your firstfruits.
You should always allow your tithe to have
preeminence over your taxes. Matthew 22:15-22 is proof of
this rule. Here the Pharisees and Herodians asked Jesus
whether or not God's people should pay taxes. Scripture
tells us that the purpose behind their question was to trick
our Lord into saying something they might use to accuse
Him. If He said the people should pay taxes to Caesar, He
would be in opposition to Jewish law. If He said not to pay
Caesar's tax, He would be in opposition to Roman law.
50
An Open Heaven
Verse 15 tells us they were trying to .. entangle him in his

talk," or as we would say today, they were trying to trip
Him up.
Notice how our Lord's answer kept everything in its
proper order. After asking to see the coin, He asked whose
face they saw inscribed on it. They said Caesar's. Then our
Lord answered in a way that astonished them all.
... Render therefore unto Caesar the things
which are Caesar's; and unto God the things that
are God's.
Matthew 22:21
Let me paraphrase His answer to clarify what He was

actually saying. Jesus said, "Go ahead and give Caesar his
tax. However, you must also give God that which is His
(the firstfruits, or the tithe)." From this verse you can
conclude that God and the government must both have their
rightful places in your life. To give God His proper place,
you must pay your tithe from your paycheck before you pay
anything else. By paying it first, the tithe becomes your
firstfruits. Then after you have paid the firstfruits to God,
pay your taxes.
Testimony:
I am glad to report to you that all of our
bills are paid except for the mortgage payment.
God has blessed us abundantly! Our tithes and
offerings now exceed my total income of seven
years ago when we started tithing. J.B.—Green
Cove Springs, FL
Where to Tithe
With only a few more words I will conclude the subject
of how to gain an open heaven. Not only must you pay the
tithe, but you must bring it to the proper place. In almost
51
every case this place will be your local church. Thank God,
good local churches are available to most Christians.
However, in rare cases they are not. For instance, you
may be a shut-in, or you may live where a local church is
not available. In these situations, you should find a ministry
that will faithfully minister the Word of God to you on a
regular basis. It might be a television network or a specific
television or radio program. It might be a ministry that
ministers to you by regular correspondence. With these
circumstances in mind, let me re-emphasize that whenever
possible, you should attend a good, local church and
faithfully bring your tithes into that ministry.
Malachi 3:10 tells us to bring our tithe into the
storehouse of God so that there may be meat in His house. By
saying it this way, Malachi tells us the storehouse and
God's house are one and the same place. Timothy gives us
New Testament clarity on this subject by identifying the
local church as the house of God.
... know how thou oughtest to behave thyself
in the house of God, which is the church of the living
God. . . .
1 Timothy 3:15
Stone #3 Is Now Yours

You must now take firm hold of this powerful weapon,
knowing that the open heaven belongs to those who
faithfully tithe. If you are not a regular tither, you must now
begin to tithe. In so doing, the energy of God will begin to
flow freely against the devourer and against untimely
events that keep you from prospering. When you have an
open heaven, you have the third stone you will need to slay
your Goliath of debt and to insure that God's debt-free
guarantee will be yours.
52
An Open Heaven
Testimony:
All I could do was cling to God's promise
that if I was a tither and cheerful giver, He
would open the heavens and pour out blessings
upon me. Then I received a check for $20,000!
I have just paid off my credit cards and
purchased an automobile with cash. L.Z.—
Orlando, FL
53
5
5 An Out-of-Debt Flow
Every informed child of God knows that forces flow
through the spirit world. The Bible speaks about evil forces
that war against the children of God in the heavenly realm.
For we wrestle not against flesh and blood,
but against principalities, against powers, against
the rulers of the darkness of this world, against
spiritual wickedness in high places.
Ephesians 6:12
One of these powers of darkness is the spirit of debt.

Let me be quick to say there are also good forces that
flow through the spirit world. These forces give us the
upper hand in fighting the powers of darkness.
Now unto him that is able to do exceeding
abundantly above all that we ask or think,
according to the power that worketh [flows] in us.
Ephesians 3:20
The Golden Rule

Let's take a moment and study one of these good
spiritual forces. It is the power that enforces the golden rule.
Please notice that no one ever refers to the golden rule as
the "golden good-idea," nor is it ever called "the golden
suggestion." It is, in fact, the golden rule, or better said, it is
the golden law.
Everything that truly operates as a law must have a
power (force) behind it to enforce it. For instance, the law
of gravity functions only when the power of gravity is
55
present to enforce it. If you go beyond the influence of the

power of gravity, the law of gravity immediately stops
working.
It Always Works
The Word of God teaches us about a power that
constantly enforces the golden rule. The Amplified Bible
states it this way.
. . . as you would like and desire that men
would do to you, do exactly so to them.
Give, and [gifts] will be given to you; good
measure, pressed down, shaken together, and
running over, will they pour into [the pouch
formed by] the bosom [of your robe and used as a
bag]. For with the measure you deal out [with the
measure you use when you confer benefits on
others], it will be measured back to you.
Luke 6:31,38 Amplified
Add the following verses, and it becomes evident the

golden rule is a perpetual law that God always enforces.
For all the promises of God in him are yea,
and in him Amen, unto the glory of God by us.
2 Corinthians 1:20
Every good gift and every perfect gift is from

above, and cometh down from the Father of lights,
with whom is no variableness, neither shadow of
turning.
James 1:17
It Works in Adverse Conditions

Notice the adverse circumstances in which our Lord
tells us to test His golden law. He says to love your
enemies, do good to those who hate you, bless those who
56
An Out-of-Debt Flow
curse you, turn the other cheek to those who slap you, and
to whomever takes your cloak, also give him your coat.
The truth is that without a supernatural power to
enforce it, the golden rule would not work. However, Jesus
says no matter how adverse the circumstances may seem to be,
whatever you want men to do for you, do the same to them.
You may well be asking if you can really depend upon
this law to work. The answer is yes, you can, because a
spiritual force backs it.
It Goes Against Natural Law

Anyone with an ounce of sense knows that in the
natural realm, the above actions would not bring forth any
benefit. When you love your enemies, bless those who
curse you, or turn the other cheek to those who slap you,
you are making a big mistake—that is, unless you know for
certain that some force greater than human nature is ready
to intervene and bring to pass the result God's Word
promises.
Most high school students know a natural law that goes
like this. "Every action causes an equal but opposite
reaction." This law simply says if you give, you lose. If you
have ten dollars and give away three of those dollars, you
will not have thirty or sixty more dollars. You will, in fact,
have only seven dollars left.
Now hold onto your hat. I am not rejecting scriptural
truth. I am simply showing you that God's golden rule must
have more behind it than just the desire of the one who uses
it. As we will see in a moment, if it's going to work, it will
have to have God's own power behind it.
Sowing and Reaping
57
The Bible tells us we will reap whatever we sow.

Be not deceived; God is not mocked: for
whatsoever a man soweth, that shall he also reap.
Galatians 6:7
I can testify from experience that the law of sowing and

reaping absolutely works. Please don't misunderstand. I am
aware that in the natural realm, things do not increase, they
decrease. However, things are different when it comes to
sowing and reaping, because God has put the law of
reproduction into place. It is a law He maintains and enforces
by His own power.
Now I will admit it takes a while for the thing you have
sown to manifest itself. Nevertheless, it always will, for
whatever a man sows is exactly what he will reap. It's a
biblical fact, and it operates because God enforces it!
Testimony:
My wife and I fervently attacked our debts
and at the same time began to plant seed. We
have now paid off all of our debts. We can't
keep up with the blessings God is showering
down upon us. I.J.—Broken Arrow, OK
The Force Behind the Law

If it weren't for a statement in the Book of Ephesians,
proving that God is the force behind the golden law would
be much harder. However, Ephesians 6:8 not only says that
God is the power behind the law, but it also shows you how
to put this law to work in your own out-of-debt program.
Knowing that whatsoever good thing any man
doeth, the same shall he receive of the Lord, whether he
be bond or free.
Ephesians 6:8
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An Out-of-Debt Flow
There it is in the clearest possible language. God openly

declares He is the power who makes the golden rule
operate. Whatever good thing you do for someone else,
God will do that same thing for you. Now notice carefully, an
angel or some natural force won't do it. Jehovah God is the
one who will do that same thing for you.
Personalize the Promise

Let's give some special thought to this promise.
According to the information in Ephesians 6:8, if you found
someone who was sincere about becoming debt free—now
I don't mean just anyone who said he wanted to be debt
free, but someone who really wanted it as sincerely as you
do—if you started helping that person to get out of debt,
God would have to start helping you to get out of debt.
There can be no question about this matter. If Ephesians 6:8
is true, and I know it is, if you start helping someone to get
out of debt, God will no doubt look upon what you are
doing as a good thing.
Now I want you once again to look at what the Word of
God says will happen to you when you do a good thing for
someone else.
doeth, the same [thing] shall he receive of the
Lord....
Ephesians 6:8
I'm sure you're getting it now! If you help someone each

month with his out-of-debt program, you will receive from
God the exact same thing you are causing to happen for
him. Yes, you are hearing right. God Himself will then help
you get out of debt.
Testimony:
59
We have been able to help others, and we

have also been able to pay off completely the
credit card debts we owed. T.C.—Albuquerque,
NM
Limited Power Draws Unlimited Power

Now I don't know how much you may be able to do in
helping someone else out of debt, especially if the
restrictions of your own debt limit you. It doesn't matter, for
the Word of God doesn't say if you do something really big
for someone else, God will do the same for you. It simply
says that whatsoever good thing you do for someone else,
God will do that same thing for you.
Think of it. You can put God's limitless out-of-debt power
to work for you. Just start putting some of your meager out-
of-debt power to work for someone else.
Hook Up to the Force

Dear friend, I do hope you see the powerful force this
action will bring to bear against your own debt. It will
actually release the power of God against it. The limited
force you exert in helping someone else out of debt will
unleash God's unlimited force to get you out of debt.
The debt-free force I am encouraging you to release into
your out-of-debt program is none other than the very power
of God, and when you have that power working for you, the
debt-free guarantee is easily within your grasp.
So, I have now placed the fourth stone into your hand.
If you use it correctly, it will be a powerful weapon in your
war on debt. In fact, it will be the very power of God made
available to you. This weapon will give you the advantage
you desire over the Goliath of debt that now holds you
60
An Out-of-Debt Flow
captive.
Testimony:
As a wedding gift from the lienholder of my
car, we received the title free and clear with a
card that read, "The Lord laid it upon my
heart to release you from this debt so that you
can become financially free in your marriage."
This miracle came after we sowed into paying
off the debt of our church. N.S.—Jacksonville, FL
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6
6 Putting Heaven on Notice
... thy prayer is heard, and thine alms are had
in remembrance in the sight of God.
Acts 10:31
The fifth step in drawing the power of God into your

war on debt is extremely effective. Its action will focus
God's ongoing attention on getting you out of debt. We
have this promise on good authority, for an angel tells us
about it.
And he [the angel] said, Cornelias, your
prayer has been heard and barkened to, and your
donations to the poor have been known and
preserved before God [so that He heeds and is
about to help you].
Acts 10:31, Amplified
Angels Have Visited

Don't think it strange that an angel appeared to a man.
The Holy Bible records a number of angelic visitations.
Angels appeared to Abraham; an angel visited Jacob; an
angel even appeared to a donkey. An angel visited the
Virgin Mary. The night our Lord was born, angels spoke to
shepherds. Each of these events brought news from heaven.
However, the angelic visit Cornelius experienced is special
to our generation, for it reintroduces a neglected truth. For
many years the Church has been ignorant of this truth.
When we properly understand it, a powerful method of
prayer once again becomes available to us.
63
The Visitation to Cornelius

The name Cornelius seems to appear from nowhere in
the tenth chapter of Acts. While it is brief, this Gentile's
appearance in Scripture is of the utmost importance, for his
prayer catches the attention of God. The story of Cornelius
seems insignificant compared to other Bible stories, that is,
until you realize he is a Gentile. Until the events of the
tenth chapter of Acts, the gospel has virtually not touched
the entire Gentile world. However, when Cornelius mixes
them together, his praying and bountiful giving become
something more than praying or giving alone. The angel
tells us the mixing of the two turns his prayer into a
memorial prayer. Carefully notice that this special,
supercharged prayer brings to Cornelius a God-appointed visit
with the great Apostle Simon Peter.
... Thy prayers and thine alms are come up for
a memorial before God.
Acts 10:4
The angel goes on to tell us when Cornelius mixed his

prayer with his giving, something else took place. Not only
did God send the Apostle Peter to visit Cornelius, but He
gave his prayer a place of prominence. God permanently
suspended it in His sight.
... Cornelius, thy prayer is heard, and thine
alms are had in remembrance in the sight of God.
Acts 10:31
The Amplified Bible brings forth this truth more

clearly. It shows that when we mix them together, praying
and giving are perpetually suspended before God.
... Cornelius, your prayer has been heard and
barkened to, and your donations to the poor have
been known and preserved before God [so that He
64
Putting Heaven on Notice
heeds and is about to help you].

Testimony:
I had got behind in my car payments, so I
sent in two payments. In the meantime, I sowed
a memorial prayer seed. Two weeks later, I got
a get well card from the man who sold me the
car. In the card was my check for the two
payments torn in half. VA.—Indianapolis, IN
God Honors Memorial Prayer

Notice that when we mix a proper prayer with generous
giving, it becomes, as the Amplified Bible says, "preserved
before God [so that He . . . is about to help you.]" I can
hear someone ask, "Brother John, this is the first time I
have ever heard of mixing prayer with giving. Are you sure
it's really okay to do it?"
Please know I am not suggesting you make a memorial
prayer on the strength of only one mention of it in
Scripture. In fact, in many instances in the Word of God,
people just like you mixed their giving and praying for the
purpose of drawing God's attention to their desires.
Hannah Added Giving to Her Praying

The Book of 1 Samuel tells about a godly woman
named Hannah. She mixed her prayer with her gift and saw
God's hand move almost immediately to fulfill her request.
Hear her prayer.
And she vowed a vow, and said, O Lord of
hosts, if thou wilt indeed look on the affliction of
thine handmaid, and remember me, and not forget
thine handmaid, but wilt give unto thine
handmaid a man child, then I will give him unto
65
the Lord all the days of his life, and there shall no
razor come upon his head.
1 Samuel 1:11
Hannah's special prayer is for a child. Hear her heart's

cry as she desperately asks God to remember her. Then
observe closely as she adds giving to her prayer. She adds a
gift of significant value, for she offers her firstborn son to
God. Please notice that she makes this new prayer after
years of asking and not receiving. However, when she adds
giving to her praying, only a few hours pass before God
responds by granting her request.
And they rose up in the morning early, and
worshipped before the Lord, and returned, and
came to their house to Raman: and Elkanah knew
Hannah his wife; and the Lord remembered her.
1 Samuel 1:19
Testimony:
I gave a memorial offering for my bills to be
paid off and the salvation of my husband and
two children. I have paid off all my bills, and
my son is now saved.... My husband is coming
soon. L.E.—Lewisville, TX
Jephthah Mixed Prayer and Giving

The Book of Judges tells us about Jephthah. God had
asked him to lead Israel against the nation of Ammon.
Scripture tells us about a crisis he faced at the height of the
battle. When Jephthah called on them, the tribe of Ephraim
refused to come to his aid.
And Jephthah said unto them [Ephraim], I
and my people were at great strife with the
children of Amnion; and when I called you, ye
delivered me not out of their hands.
Judges 12:2
66
Ephraim's refusal to help in the battle drastically shifts

the balance of power against the army of God. Because of
this power shift, Jephthah must pray a prayer that will
receive an immediate answer. If God delays, all will be lost.
How will he pray? What will he do to assure quick action
from God? Notice that he chooses to approach God by
adding giving to his praying.
And Jephthah vowed a vow unto the Lord,
and said, If thou shalt without fail deliver the
children of Amnion into mine hands,
Then it shall be, that whatsoever cometh forth
of the doors of my house to meet me, when I return
in peace from the children of Amman, shall surely
be the Lord's, and I will offer it up....
Judges 11:30,31
His request was simple. "Lord, deliver the children of

Ammon into my hands." Then he supercharged the prayer
by adding giving to it. "Whatever comes out of my house first is
yours, Lord." Well, here is the most important question to
ask about Jephthah's prayer. Was it effective? Did it
speedily bring God's help to Jephthah? The answer is yes, it
most certainly did.
So Jephthah passed over unto the children of
Ammon to fight against them; and the Lord delivered
them into his hands.
Judges 11:32
Testimony:
I gave a memorial promise of $1,000 because
we had a lot of debt that weighed so heavily on
us. Then a $13,000 debt was paid off with
money that we were not expecting to have.
G.H.—Bradenton, FL
A Widow Mixes Her Giving and Praying
67
The story of one of the best-known widows who ever

lived appears in the seventeenth chapter of 1 Kings. It is the
story of a woman who saves her son's life as well as her
own. She does it by adding giving to her praying. The Word
of God tells us God asked her to perform a special task for
Him. She was to take care of His choice prophet, Elijah.
. . . I have commanded a widow woman there
to sustain thee.
1 Kings 17:9
When Elijah arrives at the widow's house, something is

definitely wrong, for she refuses to feed him. Her reason for
refusing the prophet's request is that she is down to her last
meal, and there just won't be enough.
. . . I have not a cake, but an handful of meal
in a barrel, and a little oil in a cruse: and, behold,
I am gathering two sticks, that I may go in and
dress it for me and my son, that we may eat it, and
die.
1 Kings 17:12
A Woman of Prayer
Needless to say, this dear woman has been praying
about her dwindling supply of food for a long time. We
know she is a godly woman, and therefore a woman of
prayer. Surely God would not ask a woman who didn't pray
to take on such an important responsibility as caring for His
choice prophet.
We can also be sure she has been regularly praying over
her food supply, for she is a single mother. If single
mothers pray about anything, it is food. So we know she
has, no doubt, prayed again and again over her dwindling
supply of food. However, in spite of her prayers, the barrel
of meal and cruse of oil continue to decrease each day until
68
she is brought face to face with the death angel. Thank

God, Elijah is able to persuade her to add some giving to her
prayers.
And Elijah said unto her, ... make me thereof
a little cake first, and bring it unto me....
And she went and did according to the saying
of Elijah: and she, and he, and her house, did eat
many days.
And the barrel of meal wasted not, neither did
the cruse of oil fail, according to the word of the
Lord, which he spake by Elijah.
1 Kings 17:13,15,16
Testimony:
My daughters and I were several thousand
dollars in debt. We made a memorial offering
to the Lord through your ministry. In less than
a year, God supernaturally paid off all but the
school loans. A.F.—Indianapolis, IN
Jewish Leaders Mix Giving and Praying

This next illustration is one of the most important I
have found in Scripture, for it moves Jesus to make an
exception to the predetermined plan. It causes Him to
minister to a Gentile before the appointed day of the
Gentiles has fully come (Acts 10).
The Book of Luke tells us about this man. He was the
centurion who sent a request for healing to Jesus. He
wanted the Lord to heal his favorite servant.
Keep in mind that the centurion is a Gentile, so he is
not as yet qualified to receive the ministry of Jesus.
. . . I am not sent but unto the lost sheep of the
house of Israel.
. . . It is not meet to take the children's
69
bread, and to cast it to dogs [Gentiles].

Matthew 15:24,26
These scriptures clearly show that the time of the

Gentiles has not yet come. However, when they approach
our Lord with the centurion's prayer for healing, the leaders
of the Jews do something very powerful. They ask Jesus to
grant his request because he (the centurion) is worthy. Then
they purposely mix his request with his generous offerings.
And a certain centurion's servant, who was
dear unto him, was sick, and ready to die.
And when he heard of Jesus, he sent unto him
the elders of the Jews, beseeching him that he
would come and heal his servant.
And when they came to Jesus, they besought
him instantly, saying, That he [the centurion] was
worthy for whom he should do this:
For he loveth our nation, and he hath built us a
synagogue.
Then [after He heard about his giving] Jesus
went with them....
Luke 7:2-6
Hear the fifth verse again. However, this time hear it as

the Amplified Bible puts it.
For he loves our nation and he built us our
synagogue [at his own expense].
Luke 7:5, Amplified
This translation emphasizes that the centurion had used

his own money to build the synagogue.
It is evident from this passage of Scripture that the
priests of that day knew something about prayer that has
been lost to our day. They knew that when someone mixes
prayer with giving, it becomes much more persuasive.
Therefore they mixed the centurion's prayer with his giving,
making it into a memorial prayer. Did it work? The Bible
70
says it did, for Jesus went with the leaders and healed the
centurion's servant.
A number of other accounts in Scripture tell us about
mixing praying and giving together. In each of these
instances, the same result occurs. God quickly moves to assist
the person who has formed his prayer in this way.
Testimony:
Our seven-year-old daughter had emergency
surgery. We were without insurance and had
no means to pay the $20,000 bill. We sent you
$1,000 and asked you to pray. Before long we
received notice that everything was paid in full,
and we did not have to pay one cent. M.M.—
Santa Margarita, CA
Suspend Your Prayer in God's Sight

It is now time for you to take this most powerful step in
your war on debt. You must permanently position your out-
of-debt petition before the throne of God.
Notice again that when Cornelius mixed his giving and
praying together, two things happened. Cornelius
permanently suspended his prayer before God. He also
received assurance that God was ready to help him.
barkened to, and your donations to the poor have
In the next chapter I will help you launch your own war
on debt. I will assist you in putting all five of these
wonderful principles to work in your life.
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7
7 Your Goliath Must Fall
In the preceding chapters, I introduced to you five
strategies that will quickly take you out of debt. Each one
comes with the promise of releasing a measure of God's
power into your war on debt. Let's go over them one more
time before putting them to work for you.
Stripped Naked by Goliath

In chapter one, you learned what debt really is. It is a
Goliath that strips the captives and leaves them naked. It is
a terror that most of the Church today faces.
You also learned that debt has the ability to turn you
permanently into the servant of the financial system of the
world.
... the borrower is servant to the lender.
Proverbs 22:7
While most Christians know these things, it's sad that

the vast majority of God's children are caught hopelessly in
the relentless clutches of debt.
Recruiting God's Power

In chapter two, you saw the first of five steps that will
draw God's power into your personal out-of-debt program.
It consisted of three things you must know, things that
cause you to receive power from God that will help you out
of debt. First, you must know God is a debt-cancelling God.
To prove that He is, I clearly documented this fact by many
73
scriptural accounts of people just like you whom God has

miraculously set free of debt.
You saw a widow and her two sons receive a
miraculous multiplication of oil that brought them out of
the bondage of debt. You also saw a borrowed ax sink to
the bottom of the river. Then upon the word of the man of
God, it swam to the surface. You also saw a whole nation
miraculously set free from all its debt in a single day. Best
of all, you saw Jesus settle a tax debt with money that came
out of a fish's mouth. Then you saw the slave Onesimus
released from debt by a word from the Apostle Paul. You
also saw divine debt cancellation during the 1650 years of
the Mosaic law. Every seventh year was a year of release
when creditors cancelled every debt. Every fiftieth year
Israel celebrated the great jubilee as the creditors released
all debts and returned all property.
You also learned that when you add Hebrews 13:8,
"Jesus Christ the same yesterday, and to day, and for
ever," to the fact that God has cancelled debt before, this
combination of truth brings even more of God's power to
you. If God cancelled debt before, you know He will do it again.
You received another powerful piece of information in
chapter two. You found that your God is no respecter of
persons.
. . . Of a truth I perceive that God is no
Acts 10:34
From this scripture you know God doesn't prefer

Hannah, Jephthah, or the widow at Zarephath over you. The
biblical conclusion you must draw from these passages is
that if He cancelled debts for others, He will do it for you.
Now, please don't let my statement about a biblical
74
Your Goliath Must Fall
conclusion throw you. The Word of God clearly states that

the saints were to be examples to us.
Now all these things happened unto them for
ensamples [examples]....
1 Corinthians 10:11
God assures you that if He cancelled debts for others,

He will surely cancel debt for you.
Testimony:
We have had two miracles of debt
cancellation, one for $8,000. M.B.—El Paso, TX
In chapter two you also gained the knowledge that God

wants you to be debt free. You saw this truth in
Deuteronomy 28 where you read that the obedient child of
God lends and does not borrow. With this knowledge, you
can expect to receive inner strength from God. The reason
is that His callings are always accompanied by His enabling.
You now know if He wants you to be debt free, God will
also give you the power to become debt free. Now hear this
powerful verse once again, and remember it.
no word from God shall be without power or impossible of
fulfillment.
This verse tells you that the very Word of God which
revealed to you that He wanted you to be debt free, also
contains within it sufficient power to accomplish this
desire. If God's Word says He wants you out of debt
(Deuteronomy 28), God's power will come with His Word
to get you out of debt (Mark 1:27).
Faith That Works Is Alive and Well
75
In chapter three you learned two important things you

must start doing. They will bring even more of God's power
into your out-of-debt program. There is no way to get
around it. People who get out of debt do certain things. They
stop deficit spending. They stop recklessly wasting their
money. They focus their energy on paying off their bills. By
mentioning just these few things, it becomes obvious that in
coupling your faith in God to get you out of debt, with the
works that go along with getting out of debt, something has
to happen. For one thing, the faith it takes to succeed will
not die. It will continue to be vibrant, living faith, the kind
of faith that will see you through to victory.
... faith, if it hath not works, is dead, being
alone.
James 2:17
You also learned another thing you must begin doing.

You must begin to speak as if you are getting out of debt. I
usually put it this way. You will have to start talking the
out-of-debt talk. You must begin to make bold, out-of-debt
statements such as, "This is the last automobile I will ever
buy on time payments." "Under no circumstances will it
take thirty years to pay off my home." "As for me and my
house, we choose to be debt free."
Not only did you realize that speaking as if you are
becoming debt free psychologically strengthens you, but if
you speak in faith believing, God will cause the things you
are saying to come to pass.
... Have faith in God [have the God-kind of
faith].
For verily I say unto you, That whosoever
shall say unto this mountain, Be thou removed,
and be thou cast into the sea; and shall not doubt
in his heart, but shall believe that those things
which he saith shall come to pass; he [you] shall
76
have whatsoever he saith.

Mark 11:22,23
Faithfully doing the things you learned in chapter three

will bring even more of God's power into your out-of-debt
program.
Testimony:
I have read your books and am using [their
principles]. To my amazement, I will have this
house paid for in only a few years. J.B.—
Brownwood, TX
Heaven Must Be Open

Chapter four spoke to you about something most
Christians know God requires, but few ever do. There you
saw that the miracle of debt cancellation, as well as any
other help the Lord might want to give you, must come
through the open windows of heaven. You know from
Scripture that an open heaven exists only over those who
tithe.
Bring ye all the tithe into the storehouse, that
now herewith, saith the Lord of hosts, if I will not
open you the windows of heaven....
Malachi 3:10
You also saw that when you tithe, God rebukes the
devourer. Better said, God renders the devourer powerless in
the lives of those who faithfully tithe.
And I will rebuke the devourer for your
sakes....
Malachi 3:11
With the windows of heaven open and the devourer of

your goods soundly rebuked and disarmed, the miracle of
77
debt cancellation becomes much easier to receive. God can

now reach through the open heaven your tithe has produced
and pour out blessings beyond your wildest imagination.
Testimony:
The very day I made up my mind that no
matter what, I was going to tithe, my husband
was called back to work after being
un empl oyed f or s even months . R.S.—
Pembroke Pines, FL
Create an Out-of-Debt Flow

Chapter five gave you the information you need for
bringing even more of God's power into your out-of-debt
program. It gave you a sound, biblical plan that guarantees
God's assistance to those who properly follow it. The
scriptural focus of this chapter contains one of God's most
explicit promises. It promises to help you get out of debt if
you will help someone else out of debt.
doeth, the same shall he receive of the Lord,
whether he be bond or free.
Ephesians 6:8
This verse could not be more plain. The Bible promises

that when you help someone else with a good thing like
getting out of debt, God will personally help you get out of
debt.
Testimony:
We could barely afford to buy your book,
but we also bought one for a single mom in our
church. We have been able to pay off all our
debts, and she [the single mom] became debt
free and got off welfare! B.S.—Jackson, CA
78
Strategically Positioning Your Petition

Chapter six introduced you to a long-neglected truth. In
it you saw Hannah, Jephthah, the widow at Zarephath, the
centurion, as well as Cornelius mix their most earnest
desires (prayers) with their best gifts. You saw that this
action immediately became special to God. You know this
truth because one of His angels said the mixing together of
praying and giving causes the prayer to become a perpetual
memorial before God. The angel went on to say that when He
sees it, God is ready to answer the prayer quickly.
harkened to, and your donations to the poor have
Making Your Memorial

To make your out-of-debt memorial prayer totally
effective, you must mix your prayer with a proper offering,
one that will suspend your request before the Father. You
must search your heart and decide on an amount to give
that will truly represent your sincerity about getting out of debt.
When deciding on the amount, please remember, if the
amount you give is truly significant to you, it will surely be
significant to God. However, if it is insignificant to you, it
will be insignificant to Him.
I have known this truth for a long time. If it doesn't move
me, my offering surely won't move God You see, God feels the
same way about your offering as you do.
For we have not an high priest which cannot
be touched with the feeling of our infirmities
[humanity]....
Hebrews 4:15
79
The Amplified Bible says it this way:

For we do not have a High Priest Who is
unable to understand and sympathize and have a
shared feeling with our weaknesses....
Hebrews 4:15, Amplified
Testimony:
I didn't have the money to repair my car so I
went to God in prayer and gave a memorial
offering. I prayed for a miracle of debt
cancellation, and within the month, the
company I bought the car from cancelled the
remainder of the debt and gave me the title
free and clear. They also fixed everything
wrong with the car. The car lot manager
repeatedly said he didn't know why he was
doing it. L.B.—Columbus, OH
As soon as you can say, "Yes, I believe, and I will put
all five of these steps to work," you will be on your way to
a total victory over debt. If you can say, "Yes, I believe, and
I am ready to start," just complete the form on the next page
and mail it to me at this address:
John Avanzini
P. O. Box 917001
Ft. Worth, TX 76117-9001
I eagerly await hearing from you so that I can take your

memorial prayer before the Father and agree with you about
getting out of debt as soon as possible.
80
My Declaration of Acceptance of
I,________________________, do hereby determine to
put into action all five of these powerful, out-of-debt
strategies.
• Things I know: My God cancels debt, He is no
respecter of persons, and He wants me to be debt
free.
• Things I will do: I will begin to work at getting out of
debt and speak as if I am getting out of debt.
• An open heaven: As for me and my house, we will
have an open heaven by faithfully tithing.
• The golden rule: I will help someone else out of debt,
knowing that as I do, God will help me out of debt.
• My memorial prayer: I will mix my giving with my
prayer to be debt free. I am giving a good and proper
gift, one that demonstrates my sincerity. My gift will
be $__________. This is a significant amount to me,
and I know it will memorialize my prayer in God's
sight.
Please print neatly.
Name:________________________________________
Address:_______________________________________
City:_____________________ State:______Zip:______
Area Code and Phone (____)______________________
Complete this form, enclose it in the envelope in the

back of this book, and mail it today!
81

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God's Debt-Free Guarantee

God's Debt-Free Guarantee

First Printing: 175,000 copies

Unless otherwise indicated, all Scripture quotations are

Verses marked Amplified are Scripture taken from THE

For emphasis, the author has placed selected words from

Testimonies have been grammatically corrected and edited

Rev. John Boden

a faithful friend and partner in this ministry.

While our friendship was short,

the memory of it will last forever.

Few people realize how big the reward David received

him with great riches, and will give him his

Scripture tells us there would be three rewards for the

explains how the Hebrews found themselves after they had

Debt Will Strip You

Debt is a spirit. It's a ruling spirit whose only purpose is

Five Powerful Concepts

Water is often a type of the Holy Scriptures.

Without having to use much imagination, you can

Illustrations from the Bible have worked as inspiration

The Debt-Free Guarantee

High-Powered Truth Awaits You

Stone #1: Three things you must know!

The Big Mistake

have a plan. It must be a powerful plan, one that uses the

Now please don't look upon God's debt-free guarantee

You Can Defeat Goliath

The Apostle John tells us overcoming power comes to

drop stone #1 into it.

God is definitely not silent on the subject of debt. The

... Jesus, immediately knowing in himself that

God Can Do Anything

There can be no question about it. Jehovah God can

No one in his right mind would dare say this miracle

God Has Cancelled Debt Before

A Widow's Debt Is Cancelled (2 Kings 4:1-7)

Carefully notice that the day the devil intended to be her

A Borrowed Ax Head Swims (2 Kings 6:5-7)

Don't you just know this young man went home

A Nation Becomes Debt Free (Nehemiah 5:1-12)

... We have mortgaged our lands, vineyards,

Not only that, but they were also borrowing money to

Notice that Nehemiah boldly spoke to the people's

shall say unto this mountain, Be thou removed, and

The Bible tells us Nehemiah's people became debt free

Jesus Has a Debt Cancelled (Matthew 17:24-27)

ministry to pay the bill.

Instead, Jesus sends Simon on a fishing trip. Now

There it is in black and white. God performed a miracle

Biblical Debt Cancellations Abound

1. A slave named Onesimus was set free from debt

Feel the Power Begin to Flow

This is energy-releasing knowledge, for if God has

God Is No Respecter of Persons

There is a second thing you must know. Your God is no

You just learned that God has cancelled debt before. If

God Wants You to Be Debt Free

power in your out-of-debt program. You must know it is

How God Feels About Your Debt

Blessed shall be thy basket and thy store

He also promises this group they will have plenty of

Disobedient Saints Will Walk in Debt