Being owed money & striving to pass the test

by Bob on November 16, 2009

email

I once heard someone say, “challenges are just wonderfully disguised opportunities for growth.” I really do believe it to be true. Just like a strong physical body requires exercises that push it beyond what is comfortable, so a strong character requires challenges that aren’t comfortable. My newest challenge is that an advertiser owes me a lot of money.

The first time someone owed me money

I remember as a teen selling my guitar to an acquaintance from church and after months of reminders and little to no payments I realized that I wasn’t likely to ever receive full payment for the guitar. As a fairly young Christian, I learned 2 lessons. First, that Christians are people just like everyone else who make mistakes and don’t always do what they should. Secondly, that I could “fight for my right” in the flesh or I could let God vindicate me.

At that point in my life the $400 that was owed to me was a huge sum of money and it was honestly very difficult to cast that care on the Lord. I prayed about it for weeks and it became clear that the best course of action was to deliberately SOW the guitar into his life. I realized that I could either have a victim mentality, thinking that something was stolen from me, or I could choose not to have been stolen from and GIVE it, knowing that the Lord sees my heart and would reward that.

Looking back on this lesson, as difficult as it was it was so good for my character development. It helped me take a great step forward in breaking any love of money that was present in my life and ultimately helped me to better learn put my trust in God rather than trying to make things happen myself.

“Give to everyone who asks of you, and whoever takes away what is yours, do not demand it back.” -Luke 6:30

Today’s challenge

Fast forward to a today, and I have a new opportunity for growth. As a result of being a full-time blogger, I receive payments from quite a few different advertisers and ad networks. Up until a few months ago, I was making the mistake of not thoroughly keeping track of my payments. I just assumed that if they owed me money, they would just pay me. As a result of my naivety, one particular advertiser went months without paying and now owes me many times more than what I was owed for the guitar. At first I just contacted them to let them know, assuming it was just a mistake and that they would just pay off the remaining balance. Instead the last couple months have been a lot of me calling and emailing and getting little to no response and even less in payments from them.

As if the large chunk of change that they owe me wasn’t enough, this is money that I pay my bills with. It seems that the stakes are quite a bit higher than they were with the guitar in high school.

At the peak of my frustration I stumbled upon this verse…

“Let your forbearing spirit be known to all men. The Lord is near.” -Philippians 4:5

And just guess what the definition of “forbearing” is. Webster’s defines it as, “a refraining from the enforcement of something (as a debt, right, or obligation) that is due.

I think God was trying to make a point to me, and as thick as it was laid on, I got it. To add to that, I felt like I was supposed to apologize to the advertiser for being too overbearing. After arguing and coming up with about 100 reasons that they should be apologizing me, rather than me apologizing to them, I obeyed and sent an email apologizing for my behavior.

The next verse in Philippians 4 says…

“Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.”

While all this was going on, we were saving up every dime we could find so we could come up with the required down payment. I have to admit it was difficult not being anxious knowing that if they would just send what they owed, we would comfortably have our down payment covered. I guess that was part of the test.

So after all that I was convinced that I was going to cast this care on the Lord and allow Him to work on the situation. Right before I left for Florida two weeks ago, I called them to kindly get a update on the payment status and it appears they have gone out of business. It’s all a test.

There have been some good practical business lessons that I have learned from all this that will serve me well in the future, but much more valuable are the lessons that God is teaching me about my character and how to do things His way. I don’t know if I will ever be repaid from the advertiser, but I am confident that obeying God’s Word will always yield the best result – even if I don’t see it right away.

FTC Disclosure of Material Connection: Some of the links in the post above may be affiliate links. This means if you click on the link and purchase the item, we will receive an affiliate commission. Regardless, we only recommend products or services we use personally and/or believe will add value to readers. Read more here.


{ 9 comments… read them below or add one }

Dustin | Engaged Marriage November 16, 2009 at 2:57 pm

Thank you for sharing a witness of incredible patience and forgiveness! It would be much easier to hold onto a grudge and seek “vindication” for the wrong that was done to you. However, as you have heard from God, it really is best to forgive in these situations and move on with your life. The time and energy spent worrying and fuming about your lame advertiser could be much better spent writing new content and wooing an even better client.

And hopefully the new one will pay you! :)

Reply

Ken November 16, 2009 at 7:43 pm

I hate this happened to you. I had to do a similar thing early in my life. I had money stolen by a friend but lacked evidence to catch him. I just let it go.

Reply

Jason @ One Money Design November 16, 2009 at 9:46 pm

Bob, tremendous story and witness to many who may be in this situation. Thanks you so much for sharing.

Reply

Sheila November 17, 2009 at 10:05 am

I am confident that obeying God’s Word will always yield the best result – even if I don’t see it right away.

Yes, I know this in my head, but I have such a ahrd time practicing it! Thank you for your witness.

Reply

Tobey November 17, 2009 at 10:17 am

This post couldn’t have come at a better time. My husband and I have been struggling with a similar issue but ours involves family. We were just discussing it yesterday evening! I believe your story is God’s way of telling us something. Thanks so much.

Reply

Bob November 17, 2009 at 11:30 am

@Tobey
Yea, I don’t just write this stuff to vent – I write with the intention that God will use my experiences (good and bad) to help others. So I am glad that the article found you at the right time!

Reply

Michelle H. November 17, 2009 at 12:15 pm

This was a good reminder to me! Thanks for sharing God’s Word and how He’s working in your life. Striving to become more like Him is what it’s all about but we forget sometimes….

Reply

Pam McCormick November 19, 2009 at 10:02 am

I loved this post and the comments but you should also know I do not consider myself any religion but the way that we handle things on this earth fascinates me and this was so kind and gentle not to mention how difficult in these economic times to accomplish.I am in awe and thinking the sharing of this idea is terrific

Reply

glennis April 2, 2010 at 6:37 pm

Enjoyed your article – but – is there somewhere in the bible which states a time span of giving someone 7 years to pay money owed, then, if it doesn’t happen, the debt is forgiven? I have this idea in my head from my child hood, so it might just be something I have miss understood and I would like to know for sure.

Thanks and God bless – Glennis.

Reply

Leave a Comment

Previous post:

Next post:


Contact | Privacy Policy | Write for CPF | Christian Financial Planners


ChristianPF is a personal finance blog running Wordpress and using the Thesis theme. CPF is dedicated to providing ways to make money, ways to save money,
ways to get out of debt, help making a budget, personal finance tips, and a Biblical perspective about money.
Copyright 2007-2011 Christian PF.com