The Dwelling of God in the Community (Leviticus 1-10)

The purpose of sacrifice was not merely to remedy occasional lapses of purity. The Hebrew verb for “offering” a sacrifice means literally to “bring (it) near.” Bringing a sacrifice near to the sanctuary brought the worshipper near to God. The worshipper’s individual degree of misbehavior was not the main issue. The pollution caused by impurity is the consequence of the entire community, comprised of the relative few who have committed either brazen or inadvertent sins together with the silent majority that has allowed the wicked to flourish in their midst. The people as a whole bear collective responsibility for corrupting society and thus giving God legitimate reason to depart his sanctuary, an event tantamount to destruction of the nation.[1] Drawing near to God is still the aim of those who call Jesus "Emmanuel" (“God with us”). The dwelling of God with his people is a serious matter indeed.

Christians in their workplaces should look beyond finding godly tips for finding whatever the world defines as “success.” Being aware that God is holy and that he desires to dwell at the center of our lives changes our orientation from success to holiness, whatever work God has called us to do. This does not mean doing religious activities at work, but doing all our work as God would have us do it. Work is not primarily a way to enjoy the fruit of our labor, but a way to experience God’s presence. Just as Israel’s sacrifices were a “pleasing odor” to the Lord (Lev. 1:9 and sixteen other instances), Paul called Christians to “lead lives worthy of the Lord, fully pleasing to him” (Col. 1:10), “for we are the aroma of Christ to God” (2 Cor. 2:15).

What might result if we walked through our workplaces and asked the fundamental question, “How could this be a place for God’s holy presence?” Does our workplace encourage people to express the best of what God has given them? Is it a place characterized by the fair treatment of all? Does it protect workers from harm? Does it produce goods and services that help the community to thrive more fully?

The Whole People of God at Work (Leviticus 1-10)

Leviticus brings together the perspectives of two groups who were often at odds against each other—the priests and the people. Its purpose is to bring the whole people of God together, without regard to distinctions of status. In today’s workplace, how are Christians to handle offenses between people regardless of their wealth or position in the company? Do we tolerate abuses of power when the result seems expedient to our careers? Do we participate in judging co-workers by gossip and innuendo, or do we insist on airing grievances through unbiased systems? Do we pay attention to the harm that bullying and favoritism do at work? Do we promote a positive culture, foster diversity, and build a healthy organization? Do we enable open and trustworthy communication, minimize backdoor politicking, and strive for top performance? Do we create an atmosphere where ideas are surfaced and explored, and the best ones put into action? Do we focus on sustainable growth?

Israel’s sacrificial system addressed not only the religious needs of the people, but their psychological and emotional ones as well, thus embracing the whole person and the whole community. Christians understand that businesses have aims that are not usually religious in nature. Yet we also know that people are not equivalent to what they do or produce. This does not reduce our commitment to work at being productive, but it reminds us that because God has embraced us with his forgiveness, we have even more reason than others to be considerate, fair, and gracious to all (Luke 7:47; Eph. 4:32; Col. 3:13).

The Significance of the Guilt Offering (Leviticus 6:1-7)

Each offering in Israel’s sacrificial system has its place, but there is a special feature of the guilt offering (also known as the reparation offering) that makes it particularly relevant to the world of work. The guilt offering of Leviticus is the seed of the biblical doctrine of repentance.[1] (Numbers 5:5-10 is directly parallel.) According to Leviticus, God required offerings whenever a person deceived another with regard to a deposit or a pledge, committed robbery or fraud, lied about lost property that had been found, or swore falsely about a matter (Lev. 6:2-3). It was not a fine imposed by a court of law, but a reparation offered by perpetrators who got away with the offense, but who then felt guilty later when they came to “realize” their guilt (Lev. 6:4-5). Repentance by the sinner, not prosecution by the authorities, is the basis of the guilt offering.

Often such sins would have been committed in the context of commerce or other work. The guilt offering calls for the remorseful sinner to return what was wrongfully taken plus 20 percent (Lev. 6:4-5). Only after settling the matter on a human level may the sinner receive forgiveness from God by presenting an animal to the priest for sacrifice (Lev. 6:6-7).

The guilt offering uniquely emphasizes several principles about healing personal relationships that have been damaged by financial abuse.

1. Mere apology is not enough to right the wrong, and neither is full restoration for what was taken. In addition, something akin to today’s concept of punitive damages was added. But with guilt offerings—unlike court-ordered punitive damages—offenders willingly take on a share of the harm themselves, thereby sharing in the distress they caused the victim. 

2. Doing all that is required to right a wrong against another person is not only fair for the offended, but it is also good for the offender. The guilt offering recognizes the torment that seizes the conscience of those who become aware of their crime and its damaging effects. It then provides a way for the guilty to deal more fully with the matter, bringing a measure of closure and peace. This offering expresses God’s mercy in that the pain and hurt is neutralized so as not to fester and erupt into violence or more serious offenses. It also extinguishes the need for the victim (or the victim’s family) to take matters into their own hands to exact restitution.

3. Nothing in Jesus’ atoning work on the cross releases the people of God today from the need for making restitution. Jesus taught his disciples, “So when you are  offering your gift at the altar, if you remember that your brother or sister has something against you, leave your gift there before the altar and go; first be reconciled to your brother or sister, and then come and offer your gift” (Matt. 5:23-24). Loving our neighbors as ourselves lies at the heart of the law’s requirements (Lev. 19:18 as quoted in Rom. 13:9), and making restitution is an essential expression of any genuine kind of love. Jesus granted salvation to the rich tax collector Zacchaeus who offered more restitution than the law required, lifting him up as an example of those who truly understood forgiveness (Luke 19:1-10).

4. Jesus’ words in Matthew 5:23-24 also teach us that doing everything in our power to reconcile with people is an essential aspect of getting things right with God and living in peace wherever possible. Receiving forgiveness from God goes beyond, but does not replace, our making restitution, where possible, to those whom we have harmed. In response to God’s forgiveness of us, our hearts are moved to do everything we can to reverse the harm we have caused to others. Seldom will we have the ability to fully undo the damage our sin has caused, yet the love of Christ impels us to do as much as we are able.

The guilt offering is a potent reminder that God does not exercise his right of forgiveness at the expense of people harmed by our misdeeds. He does not offer us psychological release from our guilt as a cheap substitute for making right the damage and hurt we have caused.

The Permissibility of Eating Particular Animals (Leviticus 11)

There are several plausible theories about the rules governing animals for human consumption in Leviticus 11. Each cites supporting evidence, yet none enjoys a general consensus. Sorting them out is beyond our scope here, but Jacob Milgrom offers a perspective directly related to the workplace.[1] He notes three dominant elements: God severely lim­ited Israel’s choice of animal food, gave them specific rules for slaughter, and prohibited them from eating blood that represents life and therefore belongs to God alone. In light of these, Milgrom concludes that Israel’s dietary system was a method of controlling the human instinct to kill. In short, “Though they may satisfy their appetite for food, they must curb their hunger for power. Because life is inviolable it may not be tampered with indiscriminately.”[2] If God chooses to get involved in the details of which animals may be killed and how it is to be done, how could we miss the point that the killing of humans is even more restricted and subject to God’s scrutiny? This view suggests more applicability to the present day. For example, if every agricultural, animal, and food service facility practiced daily accountability to God for the treatment and condition of its animals, wouldn’t it be all the more attentive to the safety and work­ing conditions of its people?

In spite of the extensive details in Leviticus that initiate the ongoing discussion of food in the Bible, it would be inappropriate for any Christian to try to dictate what all believers must do and avoid doing regarding the provision, preparation, and consumption of food. Nonetheless, whatever we eat or don’t eat, Derek Tidball rightly reminds Christians of the centrality of holiness. Whatever one’s stance on these complex issues, it cannot be divorced from the Christian’s commitment to holiness. Holiness calls upon us even to eat and drink “for the glory of God.”[3] The same applies to the work of producing, preparing, and consuming food and drink.

Dealing with Skin Diseases and Mold Infections (Leviticus 13-14)

In contrast to the dietary laws, the laws about diseases and environmental contamination do seem to be primarily concerned with health. Health is a critical issue today as well, and even if the book of Leviticus were not in the Bible, it would still be a noble and godly concern. But it would be unwise to assume that Leviticus provides instructions for coping with contagious diseases and environmental contamination that we can directly apply today. At our distance of thousands of years from that time period, it is difficult even to be certain exactly what diseases the passages refer to. The enduring message of Leviticus is that the Lord is the God of life and that he guides, honors, and ennobles all those who bring healing to people and the environment. If the particular rules of Leviticus do not dictate the way we perform the work of healing and environmental protection, then certainly this greater point does.

Gleaning (Leviticus 19:9-10)

Although ancient methods of harvesting were not as efficient as today, yet Leviticus 19:9-10 instructs Israelites to make them even less so. First, they were to leave the margins of their grain fields unharvested. The width of this margin appears to be up to the owner to decide. Second, they were not to pick up whatever produce fell to the ground. This would apply when a harvester grasped a bundle of stalks and cut them with the sickle, as well as when grapes fell from a cluster just cut from the vine. Third, they were to harvest their vineyards just once, presumably taking only the ripe grapes so as to leave the later ripening ones for their poor and the immigrants living among them.[1] These two categories of people—the poor and resident foreigners—were unified by their lack of owning land and thus were dependent on their own manual labor for food. Laws benefiting the poor were common in the ancient Near East, but only the regulations of Israel extended this treatment to the resident foreigner. This was yet another way that God’s people were to be distinct from the surrounding nations. Other texts specify the widow and the orphan as members of this category. (Other biblical references to gleaning include Exod. 22:21-27; Deut. 24:19-21; Judg. 8:2; Ruth 2:17-23; Job 24:6; Isa. 17:5-6, 24:13; Jer. 6:9, 49:9; Obad. 1:5; Mic. 7:1.)

We might classify gleaning as an expression of compassion or justice, but according to Leviticus, allowing others to glean on our property is the fruit of holiness. We do it because God says, “I am the Lord your God” (Lev. 19:10). This highlights the distinction between charity and gleaning. In charity, people voluntarily give to others who are in need. This is a good and noble thing to do, but it is not what Leviticus is talking about. Gleaning is a process in which landowners have an obligation to provide poor and marginalized people access to the means of production (in Leviticus, the land) and to work it themselves.  Unlike charity, it does not depend on the generosity of landowners. In this sense, it was much more like a tax than a charitable contribution. Also unlike charity, it was not given to the poor as a transfer payment. Through gleaning, the poor earned their living the same way as the landowners did, by working the fields with their own labors. It was simply a command that everyone had a right to access the means of provision created by God.

In contemporary societies, it may not be easy to discern how to apply the principles of gleaning. In many countries, land reform is certainly needed so that land is securely available to farmers, rather than being controlled by capricious government officials or landowners who obtained it corruptly. In more industrialized and knowledge-based economies, land is not the chief factor of production. Access to education, capital, product and job markets, transport systems, and non-discriminatory laws and regulations may be what poor people need to be productive. As Christians may not be more capable than anyone else of determining precisely what solutions will be most effective, solutions need to come from across society. Certainly Leviticus does not contain a system ready-made for today’s economies. But the gleaning system in Leviticus does place an obligation on the owners of productive assets to ensure that marginalized people have the opportunity to work for a living. No individual owner can provide opportunities for every unemployed or underemployed worker, of course, no more than any one farmer in ancient Israel could provide gleanings for the entire district. But owners are called to be the point people in providing opportunities for work. Perhaps Christians in general are also called to appreciate the service that business owners do in their role as job creators in their communities.

(For more on gleaning in the Bible, see "Exodus 22:21-27" in Exodus and Work above and "Ruth 2:17-23" in Ruth and Work at www.theologyofwork.org.)

Behaving Honestly (Leviticus 19:11-12)

The commands in Leviticus against stealing, dealing falsely, lying, and violating God’s name by swearing to false oaths all find more familiar expression among the Ten Commandments of Exodus 20. (For more on honesty, see “Truth-telling in the Bible” and “There May Be Exceptions to Truth-telling in the Workplace,” in the article Truth and Deception at www.theologyofwork.org.) Unique to Leviticus, however, is the Hebrew wording behind “you shall not lie to one another” (Lev. 19:11; emphasis added). Literally, it says that “a person shall not lie to his amit,” meaning “companion,” “friend,” or “neighbor.” This surely includes fellow members of Israel’s community; but based on Leviticus 24:19 in the context of Leviticus 24:17-22, it also seems to take in the resident alien. Israel’s ethics and morality were to be distinctly better than the nations around them, even to the point of treating immigrants from other nations the same way they treated native-born citizens.

In any case, the point here is the relational aspect of telling the truth versus lying. A lie is not only a misstatement of cold fact, but it is also a betrayal of a companion, friend, or neighbor. What we say to each other must truly flow out of God’s holiness in us, not merely out of a technical analysis of avoiding blatant lies. When U.S. president Bill Clinton said, “I did not have sexual relations with that woman,” he may have had some tortuous logic in mind under which the statement was not technically a lie. But his fellow citizens rightly felt that he had broken trust with them, and he later recognized and accepted this assessment. He had violated the duty not to lie to another.

In many workplaces, there is a need to promote either the positive or negative aspects of a product, service, person, organization, or situation. Christians need not refuse to communicate vigorously to make a point. But they must not communicate in such a way that what they convey to another is false. If technically true words add up to a false impression in the mind of another, then the duty to tell the truth is broken. As a practical matter, whenever a discussion of truthfulness descends into a technical debate about wording, it’s wise to ask ourselves if the debate is about whether to lie to another in this sense.

Treating Workers Fairly (Leviticus 19:13)

“You shall not defraud your neighbor; you shall not steal; and you shall not keep for yourself the wages of a laborer until morning” (Lev. 19:13). Day laborers were generally poorer people who lacked land to farm themselves. They were especially dependent on immediate payment for their work, and thus needed to be paid at the close of each day (cf. Deut. 24:14-15). In our world, a comparable situation occurs when employers have the power to dictate terms and conditions of labor that take advantage of workers’ vulnerabilities. This occurs, for example, when employees are pressed to contribute to their bosses’ favored political candidates or expected to continue working after clocking out. These practices are illegal in most places, but unfortunately remain common.

A more controversial state of affairs concerns day laborers who lack documentation for legal employment. This situation occurs around the world, applying to refugees, internally displaced persons, rural citizens lacking urban residency permits, illegal immigrants, children under the age of legal employment, and others. Such people often work in agri­culture, landscaping, piecework manufacturing, food service, and small projects, in addition to illegal occupations. Because both employers and employees are working outside the law, such workers seldom receive the protections of employment agreements and government regulations. Employers may take advantage of their situation by paying them less per hour than legal workers, by denying benefits, and by providing poor or dangerous working conditions. They may be subject to abuse and sexual harassment. In many cases, they are completely at the mercy of the em­ployer. Is it legitimate for employers to treat them this way? Surely not.

But what if people in such situations offer themselves for substandard employment apparently willingly? In many places, undocumented workers are available outside garden and building supply stores, at agricultural markets, and other gathering places. Is it right to employ them? If so, is it the employers’ responsibility to provide the things legal workers get by rights, such as the minimum wage, health benefits, retirement plans, sick pay, and termination benefits? Must Christians be strict about the legality of such employment, or should we be flexible on the grounds that legislation has not yet caught up with reality? Thoughtful Christians will inevitably differ in their conclusions about this, and so it is difficult to justify a “one size fits all” solution. However a Christian processes these issues, Leviticus reminds us that holiness (and not practical expediency) must be at the core of our thinking. And holiness in labor matters arises out of a concern for the needs of the most vulnerable workers.

Rights of People with Disabilities (Leviticus 19:14)

“You shall not revile the deaf or put a stumbling block before the blind; you shall fear your God: I am the Lord” (Lev. 19:14). These commands paint a vivid picture of cruel treatment of people with disabilities. A deaf person could not hear such a curse, nor could a blind person see the block. For these reasons, Leviticus 19:14 reminds Israelites to “fear your God” who hears and sees how everyone is treated in the workplace. For example, workers with disabilities do not necessarily need the same office furniture and equipment as those without disabilities. But they do need to be offered the opportunity for employment to the full extent of their productivity, like everyone else. In many cases, what people with disabilities most need is not to be prevented from working in jobs they are capable of doing. Again, the command in Leviticus is not that the people of God ought to be charitable to others, but that the holiness of God gives all people created in his image the right to appropriate opportunities for work.

Doing Justice (Leviticus 19:15-16)

“You shall not render an unjust judgment; you shall not be partial to the poor or defer to the great: with justice you shall judge your neighbor. You shall not go around as a slanderer among your people, and you shall not profit by the blood of your neighbor: I am the Lord.” (Lev. 19:15-16)

This short section upholds the familiar biblical value of justice and then broadens considerably. The first verse begins with an application for judges, but ends with an application for everyone. Do not judge court cases with partiality, and don’t judge your neighbor unfairly. The wording of the Hebrew highlights the temptation to judge the external appearance of a person or issue. Woodenly rendered, Leviticus 19:15 says, “Do not do injustice in judgment. Do not lift up the face of the poor one and do not honor the face of the great one. With rightness you shall judge your neighbor.” Judges must look through their preconceptions (the “face” they perceive) in order to understand the issue impartially. The same is true of our social relationships at work, school, and civic life. In every context, some people are privileged and others oppressed because of social biases of every kind. Imagine the difference Christians could make if we simply waited to make judgments until knowing people and situations in depth. What if we took the time to know the annoying person on our team before complaining behind his or her back? What if we dared to spend time with people outside our comfort zone at school, university, or civic life? What if we sought out newspaper, TV, and media that offer a different perspective from what we are comfortable with? Would digging below the surface give us greater wisdom to do our work well and justly?

The latter part of Leviticus 19:16 reminds us that social bias is no light matter. Literally, the Hebrew says, “Do not stand by the blood of your neighbor.” In the language of the courtroom in the previous verse, biased testimony (“slander”) endangers the life (“blood”) of the accused. In that case, not only would it be wrong to speak biased words, but it would be wrong even to stand idly by without volunteering to testify on behalf of the falsely accused.

Leaders in workplaces must often act in the role of an arbiter. Workers may witness an injustice in the workplace and legitimately question whether or not it is appropriate to get involved. Leviticus claims that proactively standing in favor of the mistreated is an essential element of belonging to God’s holy people.

On a larger level, Leviticus brings its theological vision of holiness to bear on the whole community. The health of the community and the economy we share is at stake. Hans Kung points out the necessary interrelationship of business, politics, and religion:

It should not be forgotten that economic thought and actions, too, are not value-free or value-neutral...Just as the social and ecological responsibility of business cannot simply be foisted onto politicians, so moral and ethical responsibility cannot simply be foisted onto religion…No, ethical action should not be just a private addition to marketing plans, sales strategies, ecological bookkeeping and social balance-sheets, but should form the natural framework for human social action.[1]

Every kind of workplace—home, business, government, academia, medicine, agriculture, and all the rest—have a distinctive role to play. Yet all of them are called to be holy. In Leviticus 19:15-16, holiness begins by seeing others with a depth of insight that gets beneath face value.

Loving Your Neighbor as Yourself (Leviticus 19:17-18)

The most famous verse in Leviticus may be the command, “Love your neighbor as yourself” (Lev. 19:18). This imperative is so sweeping that both Jesus and the rabbis regarded it as one of the two “great” commandments, the other being “Hear, O Israel: the Lord our God, the Lord is one” (Mark 12:29-31; cf. Deut. 6:4). In quoting Leviticus 19:18, the Apostle Paul wrote that “love is the fulfilling of the law” (Rom. 13:10).

Working For Others as Much as For Ourselves

The crux of the command lies in the words “as yourself.” At least to some degree, most of us work to provide for ourselves. There is a strong element of self-interest in working. We know that if we don’t work, we won’t eat. Scripture commends this motivation (2 Thess. 3:10), yet the “as yourself” aspect of Leviticus 19:18 suggests that we should be equally motivated to serve others through our work. This is a very high call—to work as much to serve others as to meet our own needs. If we had to work twice as long to accomplish it—say one shift a day for ourselves and another shift for our neighbor—it would be nearly impossible.

Providentially, it is possible to love ourselves and our neighbors through the same work, at least to the degree that our work provides something of value to customers, citizens, students, family members, and other consumers. A teacher receives a salary that pays the bills, and at the same time imbues students with knowledge and skills that will be equally valuable to them. A hotel housekeeper receives wages while providing guests with a clean and healthy room. In most jobs, we would not stay employed for long if we didn't provide a value to others at least equal to what we draw in pay. But what if we find ourselves in a situation where we can skew the benefits in favor of ourselves? Some people may have enough power to command salaries and bonuses in excess of the value they truly provide. The politically connected or corrupt may be able to wring large rewards for themselves in the form of contracts, subsidies, bonuses, and make-work jobs, while providing little of value for others. Nearly all of us have moments when we can shirk our duties yet still get paid.

Thinking more broadly, if we have a wide range of choices in our work, how much of a role does serving others make in our job decisions, compared to making the most for ourselves? Almost every kind of work can serve others and please God. But that does not mean that every job or work opportunity is of equal service to others. We love ourselves when we make work choices that bring us high pay, prestige, security, comfort, and easy work. We love others when we choose work that provides needed goods and services, opportunities for marginalized people, protection for God’s creation, justice and democracy, truth, peace, and beauty. Leviticus 19:18 suggests that the latter should be as important to us as the former.

Be Nice?

Instead of striving to meet this high calling, it is easy to relax our understanding of “love your neighbor as yourself” into something banal like “be nice.” But being nice is often nothing more than a facade and an excuse for disengaging from the people around us. Leviticus 19:17 commands us to do the opposite. “Reprove your neighbor, or you will incur guilt yourself” (Lev. 19:17). These two commands—both to love and to reprove your neighbor—seem like unlikely fellows, but they are brought together in the proverb, “Better is open rebuke than hidden love” (Prov. 27:5).

Regrettably, too often the lesson we absorb at church is always to be nice. If this becomes our rule in the workplace, it can have disastrous personal and professional effects. Niceness can lull Christians into allowing bullies and predators to abuse and manipulate them and to do the same to others. Niceness can lead Christian managers to gloss over workers’ shortcomings in performance reviews, depriving them of a reason to sharpen their skills and keep their jobs in the long run. Niceness may lead anyone into holding onto resentment, bearing a grudge, or seeking revenge. Leviticus tells us that loving people sometimes means making an honest rebuke. This is not a license for insensitivity. When we rebuke, we need to do so with humility—we may also need to be rebuked in the situation—and compassion.

For a fuller discussion of what it means to love your neighbor as yourself in the workplace, see "The Command Approach in Practice" and "The Character Approach" in Ethics at Work Overview at www.theologyofwork.org.

Who is My Neighbor? (Leviticus 19:33-34)

Leviticus teaches that Israelites must not “oppress” resident foreigners (Lev. 19:33). (The same Hebrew verb appears in Lev. 25:17, “You shall not cheat one another.”)  The command continues, “The alien who resides with you shall be to you as the citizen among you; you shall love the alien as yourself, for you were aliens in the land of Egypt: I am the Lord your God” (Lev. 19:34). This verse is a particularly strong example of the unbreakable connection in Leviticus between the moral force of the law (“love the alien as yourself”) and the very being of God, “I am the Lord your God.” You do not oppress foreigners because you belong to a God who is holy.

Resident aliens, along with widows and the poor (see Lev. 19:9-10 above), typify outsiders lacking power. In today’s workplaces, power differentials arise not only from nationality and gender differences, but also from a variety of other factors. Whatever the cause, most workplaces develop a hierarchy of power that is well known to everyone, regardless of whether it is openly acknowledged. From Leviticus 19:33-34, we may conclude that Christians should treat other people fairly in business as an expression of genuine worship of God.

Trading Fairly (Leviticus 19:35-36)

This passage prohibits cheating in business by falsely measuring length, weight, or quality, and is made more specific by reference to scales and stones, the standard equipment of trade. The various measurements mentioned indicate that this rule would apply across a wide spectrum, from tracts of land to the smallest measure of dry and wet goods. The Hebrew word tsedeq (NRSV “honest”) that appears four times in Leviticus 19:36 denotes character that is right in terms of having integrity and being blameless. All weights and measures should be accurate. In short, buyers should get what they have paid for.

Sellers possess a vast array of means to deliver less than what buyers think they are getting. These are not limited to falsified measurements of weight, area, and volume. Exaggerated claims, misleading statistics, irrelevant comparisons, promises that can’t be kept, “vaporware,” and hidden terms and conditions are merely the tip of the iceberg. (For applications in various workplaces, see “Truth-telling in the Workplace” at www.theologyofwork.org.)

A woman who works for a large credit card issuer tells a disturbing story along these lines:

Our business is providing credit cards to poor people with bad credit histories. Although we charge high interest rates, our customers’ default rate is so high that we can’t make a profit simply by charging interest. We have to find a way to generate fees. 

One challenge is that most of our customers are afraid of debt, so they pay their monthly balance on time. No fees for us that way. So we have a trick for catching them off-guard. For the first six months, we send them a bill on the 15^th of the month, due the 15^th of the following month. They learn the pattern and diligently send us the payment on the 14^th every month. On the seventh month, we send their bill on the 12^th, due on the 12^th of the next month. They don’t notice the change, and they send us the payment on the 14^th as usual. Now we’ve got them. We charge them a $30 service charge for the late payment. Also, because they are delinquent, we can raise their interest rate. Next month they are already in arrears and they’re in a cycle that generates fees for us month after month.[1]

It is hard to see how any trade or business that depends on deceiving or misleading people to make a profit could be a fit line of work for those who are called to follow a holy God.