You make God your debtor,.He OWES MEN BIG TIME for all the good works THEY have done..
"1st John5:13These things have I written unto you that believe on the name of the Son of God; that ye may know that ye have eternal life, and that ye may believe on the name of the Son of God."
1Jo 5:20 And we know that the Son of God is come, and hath given us an understanding, that we may know him that is true, and we are in him that is true, [even] in his Son Jesus Christ. This is the true God, and eternal life.
Present tense.. the saved already have eternal life
A belief that one must add his own works to the work of Christ makes the cross of no effect..
John 5:28-29 Marvel not at this: for the hour is coming, in the which all that are in the graves shall hear his voice, And shall come forth; they that have done good, unto the resurrection of life; and they that have done evil, unto the resurrection of damnation.
Matthew 6:14-15 For if ye forgive men their trespasses, your heavenly Father will also forgive you: But if ye forgive not men their trespasses, neither will your Father forgive your trespasses.
AMEN! AMEN! AMEN!
Yes, of course. The moment man is born, his eternal life has begun. The question is, what is he going to do with it.