The Bible talks about debts being forgiven after 7 years. In the United States Bankruptcy Courts, 7 years was usually the time the debt or "black mark" stayed on your credit report. I believe it's about 10 years now.
On several occasions, Jesus used debt in His parables (Mt.18:23-35; Lk.7:41-43;16:1-9). In none of these parables is the debtor evil because of his debt—unless you consider the debtor who was condemned because he would not show mercy on those who owed him.
Consider the restrictions that were placed on the lender who lends to their family: they cannot charge interest (Deut. 23:19-20), cannot forcibly seize their pledge (Deut. 24:10-13), and must cancel their debts every 7 years (Deut. 15:1-3). In other words, if they ever "loaned" money to their family, it was essentially a gift that the borrower could legally avoid paying back.
This hard teaching was also echoed by Jesus who commands us to "lend expecting nothing in return." (Luke 6:35). God gave these unwelcomed restrictions to the lender so that the economic bondage suffered by the brethren would not be as severe as the heathen. I don't know. Maybe it was from this woman named Grace that had PMS so bad that people just left her alone for while. grace is when you're given something you don't deserve so with a grace preiod you're given an extended deadline for homework or whatever even though you always deserve it.
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