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Roman Catechism
“Debts”
The pastor should also follow the same plan which we thought should be used in the other Petitions. Let him explain, then, what the word debts here signifies, lest perhaps the faithful, deceived by its ambiguity, pray for something different from what should be prayed for.
First, then, we are to know, that we by no means ask for exemption from the debt we owe to God on so many accounts, the payment of which is essential to salvation, namely, that of loving Him with our whole heart, our whole soul, and our whole mind; neither do we ask to be in future exempt from the duties of obedience, worship, veneration, or any other similar obligation, comprised also under the word debts. What we do ask is that He may deliver us from sins. This is the interpretation of St. Luke, who, instead of debts, makes use of the word sins, because by their commission we become guilty before God and incur a debt of punishment, which we must pay either by satisfaction or by suffering. It was of this debt that Christ the Lord spoke by the mouth of His Prophet: Then did I pay that which I took not away. From these words of God we may understand that we are not only debtors, but also unequal to the payment of our debt, the sinner being of himself utterly incapable of making satisfaction.
Wherefore we must fly to the mercy of God; and as justice, of which God is most tenacious, is an equal and corresponding attribute to mercy, we must make use of prayer, and the intercession of the Passion of our Lord Jesus Christ, without which no one ever obtained the pardon of his sins, and from which, as from its source, have flown all the efficacy and virtue of satisfaction. For of such value is that price paid by Christ the Lord on the cross, and communicated to us through the Sacraments, received either actually or in purpose and desire, that it obtains and accomplishes for us the pardon of our sins, which is the object of our prayer in this Petition. Here we ask pardon not only for our venial offences, for which pardon may most easily be obtained, but also for grievous and mortal sins. With regard to grave sins, however, this Petition cannot procure forgiveness unless it derive that efficacy from the Sacrament of Penance, received, as we have already said, either actually or at least in desire.'