Abstract
Many Christians believe that, because of divine grace, any person who repents of sin, accepts Christianity, and has genuinely authentic faith in God is forgiven for her sins and spared completely of the torments of hell. I argue that this idea is difficult to reconcile with certain Christian doctrines and common, though not universal, moral intuitions about wrongdoing and punishment. The main steps are as follows. The violation of an obligation creates a moral debt that requires correction by compensation, punishment, and/or forgiveness; a wrong that is never punished, compensated, or forgiven perpetuates a continuing injustice by leaving a debt unpaid. If it is true that one person’s forgiveness cannot release the wrongdoer of a moral debt owed to someone else, then God’s forgiveness cannot release a wrongdoer from the moral debts she owes to human victims of her wrongs. Something must be done, as a moral matter, to deal with those existing moral debts before a saved sinner can enjoy the eternal bliss promised to the faithful.