I heard a Charles Stanley sermon on this topic. I agree with it. Unfortunately in my situation my per month income does not allow me to get out of my massive debts. I can reduce spending which is what I am doing, but it still is not gonna get me out of debt. I can make minimum payments on most of my debts however. This question was not answered by Dr. Stanley in his sermon. I pay the Lord my tithe and stay as obedient to paying my debts as I can. I know this is a CONTROVERSIAL issue and I am not starting a flame war here (at least not my intention). I dont know if by reading the Bible God promises us to deliver us from all our problems in life. Perhaps this is an area where Dr. Stanley and John MacArthur disagree. MacArthur does not preach that God promises to deliver us from all our problems in life.