A man files for bankruptcy – and his debts are forgiven. In the minds of his creditors, is he exonerated? No, he isn’t. They have just quit expending energy trying to collect the debt. They are finished loaning him money – at least for a long time. His creditors have better things to do than to worry about reconciling the situation. They are never going to collect. All forgiveness is of the same nature Continue reading →

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