I was listening to Matt Slick Live today and he mentioned that non-Reformed Christians have a problem with Colossians 2:14. To put the verse in context I included the previous verse: "And you, being dead in your sins and the uncircumcision of your flesh, hath he quickened together with him, having forgiven you all trespasses; Blotting out the handwriting of ordinances that was against us, which was contrary to us, and took it out of the way, nailing it to his cross" (Colossians 2:13-14 KJV) The term "handwriting of ordinances" in the Greek is χειρογραφον (cheirographon) which means a legal declaration. When Jesus was on the Cross, just before He died, he said "It is finished", in Greek τετελεσται (tetelestai). Matt Slick said that legal documents have been found with the word "tetelestai" written at the bottom meaning "paid in full". So according to this verse our certificate of sin debt was paid in full by being nailed to the Cross of Christ. So when was our sin debt cancelled - on the Cross or when we believed? If everybody's sin debt was nailed to the Cross then that would mean that everybody is going to heaven, and the Bible states that this is not so (Revelation 21:8). So whose sin debt was nailed to the Cross? It must be only the elect. I'm not a Calvinist - I'm just playing devil's advocate to better understand the issue. Could this verse refer to the sin debt of everybody who will put their trust in Christ, not necessarily being chosen by God?