Does God Even Care I’m in Debt? My Family Hates Me for My Debt.


Dear Steve,

I’m 53 years old I love to farm and raise cattle. Been doing it over 20 years. I’ve gone broke trying so hard. I don’t drink I don’t gamble. Nor do I buy expensive toys. I’ve always believed if you were honest and worked hard God would always make a way through the hard times.

But he hasn’t for me and now my son is hard towards me and my wife also they blame me for all this. I’m so disappointed with life. I don’t know why this has happened. I wanted to file bankruptcy my family vehemently said no. Now we are being foreclosed on. And I’m very hurt with losing my way of life.

Question is why did this happen to me. Does God even care? I don’t know how to win my family I have no support in this. I’m overwhelmed and wish to die



Dear Marty,

You are battling a few different issues here. The math is what it is. Your debts exceed your income or it doesn’t. You can afford to pay back what you owe, or you can’t. That bit is pretty straightforward.

It does get very problematic when you have friends or family that want to make a moral argument about a math problem. They are not the same thing.

Wanting to repay your debt and being able to repay your debt are just two different things.

Being mad at you because your income is low or telling you bankruptcy is not an answer is not really logical.

Let’s start with the facts. You are not your debt. Over many years, I’ve been contacted by loads of farmers. There are times more of them run into financial trouble. Sometimes the milk market is flooded with milk. Sometimes it doesn’t rain enough or it rains too much. Other times it’s too cold and cattle ranchers need to spend more on hay to make it through the winter. You get the idea. There are factors beyond your control when you are trying to farm.

See also  The Moral Hypocrisy of Avoiding Bankruptcy. It's Good Enough for Your Church.

No farmer has a crystal ball. Each season is a risk and a gamble.

You believe that if you were honest and worked hard, God would provide. But didn’t God provide bankruptcy to help you?

If bankruptcy is so against God then why do churches file bankruptcy?

And then, of course, there is this the issue about the biblical release from debt. “At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the LORD’s release” (Deuteronomy 15:1-2).” – Source

It sounds like your family has a very strong belief that bankruptcy is ungodly. But a belief is not a truth. It is a feeling or emotional commitment to a position.

You really should read this.

The question you need to ask yourself is if God has set you on this path to help you learn a lesson to use for good or to punish you? If your God is one of forgiveness then your God will understand the position you are in.

In my case, my bankruptcy was painful but turned out to be my greatest asset. I took what I learned from the experience and used that knowledge to help others. Can you do the same from your current situation?

If you can afford to make your regular mortgage payments then maybe a Chapter 13 bankruptcy filing might be an option to stop the foreclosure. If you can’t afford to maintain your financial obligations then maybe a Chapter 7 bankruptcy is a good option to get a fresh start. Find a local bankruptcy attorney and go talk to them about what bankruptcy would mean for you.

Bankruptcy Isn’t the End of Your Life.
It’s the Beginning of the Next Chapter.

It’s time to read So You Are Going to File Bankruptcy. That’s Good News. Congratulations.

See also  What Does the Bible Say About Bankruptcy? Is Bankruptcy Scriptural?

Your desire to die is most likely because you feel like the situation is hopeless. But the truth is the situation is not hopeless. There are legal steps you can take to open the door on a new chapter of your life. Besides, God sent you to me. Just listen. Solutions don’t always match others wishes. That doesn’t make the solutions wrong.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

5 thoughts on “Does God Even Care I’m in Debt? My Family Hates Me for My Debt.”

  1. Excellent advice. Within our laws and society, we get into “math problems” and we get out of them. I’ve had a few big non-math problems physically, and got to the other side with much greater wisdom from the Lord. Here I am, nearing 80, still kicking, still able to chop wood and able to help and bless others.

    • Thanks. The video I found and included was spot on. I always find it a tragedy that people make emotional decisions in their weakest hour about how to deal with their financial problems.


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