"There once was a man who wanted something very much. It seemed more important than anything else in his life. In order for him to have his desire, he incurred [took on] a great debt.
He had been warned about going into that much debt and particularly about his creditor, the one who lent the money. But it seemed so important for him to have what he wanted right now. He was sure he could pay for it later.
So he signed a contract. He would pay it off some time along the way. He didn't worry too much about it, for the due date seemed such a long time away. He had what he wanted now, and that was what seemed important.
The creditor was always somewhere in the back of his mind, and he made token [small] payments now and again, thinking somehow that the day of reckoning [the day he had to pay repay all the money] would never really come.
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Only then did he realize that his creditor had not only the power to repossess [take away] all that he owned but also the power to cast him into prison as well.
“I cannot pay you, for I have not the power to do so,” he confessed.
“Then,” said the creditor, “we will take your possessions, and you shall go to prison. You agreed to that. It was your choice. You signed the contract, and now it must be enforced.”
“Can you not extend the time or forgive the debt?” the debtor begged. “Arrange some way for me to keep what I have and not go to prison. Surely you believe in mercy? Will you not show mercy?”
The creditor replied, “Mercy is always so one-sided. It would serve only you. If I show mercy to you, it will leave me unpaid. It is justice I demand. Do you believe in justice?”
“I believed in justice when I signed the contract,” the debtor said. “It was on my side then, for I thought it would protect me. I did not need mercy then nor think I should need it ever.”
“It is justice that demands that you pay the contract or suffer the penalty,” the creditor replied. “That is the law. You have agreed to it, and that is the way it must be. Mercy cannot rob justice.”
There they were: One meting out justice, the other pleading for mercy. Neither could prevail [win] except at the expense of the other.
“If you do not forgive the debt, there will be no mercy,” the debtor pleaded.
“If I do, there will be no justice,” was the reply.
Both laws, it seemed, could not be served. They are two eternal ideals that appear to contradict one another. Is there no way for justice to be fully served and mercy also?
There is a way! The law of justice can be fully satisfied and mercy can be fully extended—but it takes someone else. And so it happened this time.
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As the creditor was pondering the offer, the mediator added, “You demanded justice. Though he cannot pay you, I will do so. You will have been justly dealt with and can ask no more. It would not be just.”
And so the creditor agreed.
The mediator turned then to the debtor. “If I pay your debt, will you accept me as your creditor?”
“Oh yes, yes,” cried the debtor. “You save me from prison and show mercy to me.”
“Then,” said the benefactor [one who helps], “you will pay the debt to me, and I will set the terms. It will not be easy, but it will be possible. I will provide a way. You need not go to prison.”
And so it was that the creditor was paid in full. He had been justly dealt with. No contract had been broken. The debtor, in turn, had been extended mercy. Both laws stood fulfilled. Because there was a mediator, justice had claimed its full share and mercy was fully satisfied."
This story from President Packer shows the love and role of Jesus Christ more than anything I've yet to come across. What stood out to me most about it was the point in time that the mediator came. It wasn't until the last minute when the debtor was about to be taken to prison that he came.
I can imagine the debtor at that moment felt a deep sinking feeling in the pit of his stomach - hopelessness. He had literally reached his breaking point! This is when the mediator stepped in to help - to save him.
Sometimes in life we feel like we are approaching our breaking point and we don't know how much longer we can endure, but remember Christ is there and if you trust in him he will step in before you break.
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Trust in the Lord, don't give up, and remember He lives and He loves you!
*“The Mediator,” Ensign, May 1977, 54–56.