This question is in reference to the sin debt that has stockpiled against you.
1. THIS IS AN ACCOUNT THAT WE ALL OWE.
For all have sinned, and come short of the glory of God; Romans 3:23
All we like sheep have gone astray; we have turned every one to his own way; Isaiah 53:6
2. THIS ACCOUNT CAN NOT BE SETTLED BY WORKING IT OUT.
Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost; Titus 3:5
Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified. Galatians 2:16
Not every one that saith unto me, Lord Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven.  Many will say to me in that day, Lord, Lord, have we not prophesied in thy name? and in thy name have cast out devils? and in thy name done many wonderful works?  And then will I profess unto them, I never knew you: depart from me, ye that work iniquity. Matthew 7:21-23
3. THIS ACCOUNT WILL NOT GO AWAY JUST BECAUSE YOU PRETEND IT IS NOT THERE.
Keeping mercy for thousands, forgiving iniquity and transgression and sin, and that will by no means clear the guilty; visiting the iniquity of the fathers upon the children, and upon the children's children, unto the third and to the fourth generation. Exodus 34:7
But God commendeth (exhibited, proved) his love toward us, in that, while we were yet sinners, Christ died for us. Romans 5:8
...The LORD hath laid on him (Jesus) the iniquity of us all. Isaiah 53:6b
Who his own self bare our sins in his own body on the tree, that we, being dead to sins, should live unto righteousness: by whose stripes ye were healed. 1 Peter 2:24
5. IN ALL THE WORLD JESUS IS THE ONLY SAVIOUR.
Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved. Acts 4:12
But as many as received him, to them gave he power to become the sons of God, even to them that believe on his name: John 1:12
He that believeth on him is not condemned: but he that believeth not is condemned already, because he hath not believed in the name of the only begotten Son of God. John 3:18
Jesus said unto her, I am the resurrection, and the life: he that believeth in me, though he were dead, yet shall he live: And whosoever liveth and believeth in me shall never die. Believest thou this? John 11:25-26
Even as David also describeth the blessedness of the man, unto whom God imputeth righteousness without works, Saying, Blessed are they whose iniquities are forgiven, and whose sins are covered. Blessed is the man to whom the Lord will not impute sin. Romans 4:6-8
MY PRAYER OF FAITH
God be merciful to me a sinner! I believe Christ died for me and that His Precious Blood will cleanse me from all my sin. By faith I now repent of my sins and receive the Lord Jesus Christ into my heart as my Lord and my Saviour, trusting Him and Him alone for the salvation of my soul. Help me Lord to do Thy will each day. In Jesus’ name I pray. Amen!