Have you ever tried to withdraw cash from an ATM only to learn you don’t have enough funds in your account?  While most of us try to avoid this by keeping careful records … the apostle Paul reminds us in Romans, chapter 4 that there are people who are trying to pay off their spiritual debts with the credit of their good works.  But Pastor Mark Jobe says, that’s not how it works … Today’s message is called, God’s Word on Spiritual Debt and Credit …