Creflo Dollar Creflo Dollar Ministries


Creflo Dollar-Winning at Work and in Your Finances

Source: Winning In Troubled Times- Book (Dr. Creflo Dollar)

SECTION ONE Winning at Work and in Your Finances

Chapter Chapter 5 Triumphing over Debt


How to triumph over debt…

Years ago, I taught a message entitled “The Law of Supernatural

Debt Release Versus the Law of Intelligent Debt Management.”

During the message, I asked everyone who was currently

in debt to stand. Nearly 100 percent of the congregation stood up!

At that moment, it was very clear to me why God had led me to

teach on this critical and very sensitive topic. I had to fight back

tears because I was overwhelmed to see how many believers were

in bondage as a result of debt. I knew I had to help God’s people

and teach them the law of supernatural debt release.

Let’s examine some steps that will help propel you towards debt freedom.


Step One: Act in Love

The first and most important step in God’s supernatural war

against debt is for us to remain in the circle of love. Our ability to

love God’s way is critical to our debt deliverance.

Romans 13:8 teaches us to owe no man anything but unconditional

love. The debt to love people is required of every Christian.

We should judge ourselves daily where our love walk is concerned.

If someone is standing on God’s Word for financial breakthrough

but has not seen any results, the blockage could be the result of his

or her inability to operate in love. We must ask ourselves, To whom

do I owe the debt of love and have not paid it? Is unforgiveness, strife,

or past hurt keeping me from loving others the way God commands? If

so, it is time to deal with these issues and get them resolved. God will

not allow His supernatural power to flow through our lives if

we refuse to love. When we give the gift of love, we can receive the

Father’s love in the form of supernatural debt cancellation and

provision in other areas of our lives as well.

Step Two: Declare God’s Word over Your Finances

Once our love foundation is secure, we can begin to receive the

promises of God. The Word says when you decree a thing, it is

established (Job 22:28). A decree is an authoritative order or established

judgment . When we open our mouths and declare what God

has said regarding our finances, we activate the forces of heaven to

go to work on our behalf. Therefore, the second step in the supernatural

war against debt is to make an announcement against the

devil concerning our financial freedom. It is our job to release

the power of God to break the power of the spirit behind debt by

decreeing that we are released from debt’s grip, according to God’s

Word (Deuteronomy 15:1–4).

Step Three: Bind the Enemy

The third step of the supernatural war against debt is to bind the

enemy. This is where a lot of people miss it because they do not

understand the importance of binding the enemy.

Believe it or not, demons do exist. In fact, there are specific

demonic forces assigned to destroy every area of our lives, including

our finances. The Bible says we do not wrestle against flesh

and blood, but against principalities, powers, rulers of darkness,

and spiritual wickedness in high places (Ephesians 6:12). Therefore,

the knowledge of the battle set against us will help us effectively

arm ourselves with God’s Word. Part of our power over the

enemy is knowing we are fighting him. We need to know who he

is, his tactics, and who we are in Christ. In Matthew 12:28–29, Jesus

expounded upon a key aspect of spiritual warfare. “But if I cast out

devils by the Spirit of God, then the kingdom of God is come unto you.

Or else how can one enter into a strong man’s house, and spoil his goods,

except he first bind the strong man? And then he will spoil his house.”

We must bind the enemy, or as this Scripture describes him, “the strong man,”

so we can make progress in our war against debt. When we immobilize

the enemy by binding him, we have the ability to move forward

financially. Therefore, our prayer time should specifically

include this aspect of debt deliverance.

Step Four: Apply Violent Faith

Step four in God’s war plan on debt is applying violent faith to

our financial situations. Violent faith involves building our faith

by becoming intense regarding making our confessions, meditating

on the Word, listening to CDs, or watching DVDs that contain

the Word pertaining to our area of need. We do these things

with intensity until we can see the tearing down of spiritual


Violent faith is simply a disciplined refusal to take our minds

off the Word. We confess the Word with a frequency and intensity

that is unmatched. Being violent in the Spirit realm isn’t confessing

Scriptures once or twice a week and expecting magical results.

It takes much more than that to see accelerated results.

When I was diagnosed with prostate cancer, I knew my life was

on the line. Therefore, I acknowledged within myself that the

disease was working twenty-four hours a day to kill me. I didn’t

have time to decide whether I was going to believe God’s Word or

not. I had to take authority over the situation and begin violently

increasing my faith for healing.

For several days, I stayed in my room spending time confessing

God’s Word and playing healing Scriptures at night while I

slept, until my spirit was so saturated with God’s Word on healing

that faith was rising up, overflowing into my mind and body.

The doctor’s report had no choice but to line up with the Word

because I became violent with my faith! I pounded the mountain

of sickness with God’s Word, and it had to move!

This is the same stance we must take when it comes to debt. Real

freedom requires violence—a force stronger than what is against

us. Like disease, debt works twenty-four hours a day to keep us

in bondage. Interest is constantly accumulating, making balances

grow. We can’t afford not to bombard our debt with the Word of

God on a consistent basis. That may mean making confessions

every hour on the hour until a debt cancellation consciousness is

built to the extent that manifestation has to take place.

Step Five: Forgive Yourself

The fifth step in God’s war plan against debt is forgetting past

debts. In order to move forward, we must let go of the condemnation

from making bad financial decisions and mistakes. Philippians

3:13–14 says, “Brethren, I count not myself to have

apprehended: but this one thing I do, forgetting those things

which are behind, and reaching forth unto those things which are

before, I press toward the mark for the prize of the high calling of

God in Christ Jesus.”

If Paul had dwelled on his past mistakes, he never would have

embraced God’s destiny for his life. The condemnation of his past

would have kept him stuck. We must get beyond the bad decisions

we have made. Forgetting past debt does not mean we neglect

the debts by not paying them. It simply means we press forward

despite the mistakes we have made. Worrying over or giving too

much attention to our past mistakes causes us to lose the momentum

to press forward. In addition, it causes us to doubt God and

get into self-condemnation.

Isaiah 43:18–19 says, “Remember ye not the former things, neither

consider the things of old. Behold, I will do a new thing; now

it shall spring forth; shall ye not know it? I will even make a way

in the wilderness, and rivers in the desert.” It does not matter how

bad our financial mistakes are; we must believe God is willing

and able to restore us. He is not standing over us waiting to punish

us because we made a mess of our finances. We must believe

His love for us and trust that He can and will turn our situations


Once we make a quality decision to forget past debts, it’s time

to press in on the promise of debt cancellation. Pressing in means

we intensely focus on the spiritual and natural aspects of debt

cancellation, while being consistent in doing our part.

Fore more information about how to win in every area of your life, get your copy of  “Winning In Troubled Times” By Dr. Creflo Dollar today!

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