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All indebtedness has to be liquidated. If you are unable to liquidate, then you will be a sinner. But you can save yourself from the reaction of all sins if you surrender unto the Supreme Lord

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Expressions researched:
"all indebtedness has to be liquidated. If you are unable to liquidate, then you will be a sinner. But you can save yourself from the reaction of all sins if you surrender unto the Supreme Lord"

Lectures

Bhagavad-gita As It Is Lectures

I am sinner. Just like I owe to you $100 or $1,000. I don't pay you. So then I become a culprit in the consideration of the state law. I have to pay you. Similarly, all indebtedness has to be liquidated. If you are unable to liquidate, then you will be a sinner. But you can save yourself from the reaction of all sins if you surrender unto the Supreme Lord.
Lecture on BG 3.8-13 -- New York, May 20, 1966:

So we are in so many ways indebted. Our obligations are there. But sarvātmanā yaḥ śaraṇaṁ śaraṇyaṁ gato mukundam, na ṛṇī na kiṅkaraḥ. The Bhāgavata says, "If somebody fully surrenders unto the Supreme, Mukunda..." Mukunda means one who can offer you liberation from this material bondage. He is Mukunda. So if one surrenders fully unto Kṛṣṇa—Kṛṣṇa is Mukunda—then he is no longer any more indebted to all these obligations. He is immune. At one stroke he becomes liquidated from all obligation. And in the Bhagavad-gītā you will find this statement confirmed in the last portion of Bhagavad-gītā. The Lord says that ahaṁ tvāṁ sarva-pāpebhyo mokṣayiṣyāmi: "If you surrender unto Me..." Sarva-dharmān parityajya mām ekaṁ śaraṇaṁ vraja (BG 18.66). The Lord says that "You have not do. You have to do nothing. You simply surrender unto Me." Sarva-dharmān parityajya (BG 18.66). "You have got so many obligations; it is right. But it is impossible for you." Of course, there are systems how to liquidate your obligation. But especially in this age, oh, who is going to satisfy the demigods? Who is going to satisfy the forefathers? Who is going to satisfy the so many obligation with ordinary living being? Nobody is going. But if you don't satisfy your indebtedness, then there will be reaction. But if you surrender unto the Supreme Lord, you will be protected from all reaction. Therefore it is very easy. By one installment we become free from all obligation. Sarva-dharmān parityajya mām ekaṁ śaraṇaṁ vraja ahaṁ tvāṁ sarva-pāpebhyaḥ (BG 18.66).

Pāpebhyaḥ. Pāpebhyaḥ means the reaction of sins. Now, if I don't repay my indebtedness to the persons to whom I am obliged, then I have become sinner. I am sinner. Just like I owe to you $100 or $1,000. I don't pay you. So then I become a culprit in the consideration of the state law. I have to pay you. Similarly, all indebtedness has to be liquidated. If you are unable to liquidate, then you will be a sinner. But you can save yourself from the reaction of all sins if you surrender unto the Supreme Lord. Sarvātmanā yaḥ śaraṇaṁ śaraṇyaṁ gato mukundaṁ parihṛtya kartam. You have got some duties, but if you give up all your duties and simply surrender unto the Supreme Lord, then you are liquidated at once. This is the version of Bhāgavata and this is confirmed in Bhagavad-gītā by the Supreme Personality of Godhead Śrī Kṛṣṇa, that "If you surrender unto Me, giving up all your other obligation, then I shall give you all protection." Ahaṁ tvāṁ sarva-pāpebhyo mokṣayiṣyāmi (BG 18.66). Now, if I am protected from the reaction of my sinful acts, but it does not mean that I shall surrender unto the Supreme Lord at the same time continue to act sinfully, no, not that. Or if I am obliged to continue, the God, or the Supreme Lord will protect me. That is the version. Therefore everyone should act yajña. Yajña means work to satisfy the Supreme Lord. That is called yajña. If we do not do that, then we shall be obliged. Otherwise... "Otherwise" means the act which is done for the satisfaction of the Supreme Lord, that is immune from all reaction, but anything which is not done for the satisfaction of the Supreme Lord, that will oblige me in so many bondage of obligation, and I will have to repay that after many, many continuation of this repetition of births and deaths. That is the secret of life.