3781. opheiletés
Lexical Summary
opheiletés: Debtor, one who owes

Original Word: ὀφειλέτης
Part of Speech: Noun, Masculine
Transliteration: opheiletés
Pronunciation: o-fay-let'-ace
Phonetic Spelling: (of-i-let'-ace)
KJV: debtor, which owed, sinner
NASB: under obligation, culprits, debtors, indebted, owed
Word Origin: [from G3784 (ὀφείλω - ought)]

1. an ower, i.e. person indebted
2. (figuratively) a delinquent
3. (morally) a transgressor (against God)

Strong's Exhaustive Concordance
debtor, which owed, sinner.

From opheilo; an ower, i.e. Person indebted; figuratively, a delinquent; morally, a transgressor (against God) -- debtor, which owed, sinner.

see GREEK opheilo

HELPS Word-studies

3781 opheilétēs (a masculine noun) – a debtor; someone under obligation to pay back (discharge) a debt.

For the believer, 3781 /opheilétēs ("being a debtor") ends at Calvary where Christ paid all our debt in His blood. He extends total release to us, forgiving the penalty for each time we spent His gift of life rather than invested it. Indeed, the blood of Jesus removes all the penalty (condemnation) of sin (Jn 19:30).

NAS Exhaustive Concordance
Word Origin
from opheiló
Definition
a debtor
NASB Translation
culprits (1), debtors (1), indebted (1), owed (1), under obligation (3).

Thayer's Greek Lexicon
STRONGS NT 3781: ὀφειλέτης

ὀφειλέτης, ὀφειλετου, (ὀφείλω), one who owes another, a debtor: properly, of one who owes another money (Plato, legg. 5, 736 d.; Plutarch; others); with a genitive of the sum due, Matthew 18:24. Metaphorically,

a. one held by some obligation, bound to some duty: ὀφειλέτης εἰμί, equivalent to ὀφείλω, followed by an infinitive, Galatians 5:3 (Sophocles Aj. 590); ὀφειλέτης εἰμί τίνος, to be one's debtor i. e. under obligations of gratitude to him for favors received, Romans 15:27; τίνι (dative commodi), to be under obligation to do something for someone, Romans 1:14; Romans 8:12.

b. one who has not yet made amends to one whom he has injured: Matthew 6:12; in imitation of the Chaldean חַיָב, one who owes God penalty or of whom God can demand punishment as something due, i. e. a sinner, Luke 13:4.

Topical Lexicon
Concept of Debt in Scripture

The noun translated “debtor” speaks not simply of financial liability but of any binding obligation—legal, moral, or spiritual. Scripture consistently treats such indebtedness as a matter of accountability before both God and neighbor, and the term therefore carries profound theological weight.

Old Testament Foundations of Obligation

The Law’s provisions for the Year of Jubilee and the cancellation of debts (Leviticus 25; Deuteronomy 15) reveal a God who guards equity and mercy. This background supplies the ethical framework within which New Testament writers employ the idea of a “debtor.” What the Torah promised in type—release and restoration—finds ultimate fulfillment in the gospel of Jesus Christ.

Jesus’ Use of the Term

• The Lord’s Prayer (Matthew 6:12)

“ ‘And forgive us our debts, as we also have forgiven our debtors.’ ” Here “debts” encompasses every failure to meet God’s righteous claims. By coupling forgiveness received with forgiveness extended, the prayer unites vertical reconciliation with horizontal relationships.

• Parable of the Unforgiving Servant (Matthew 18:24)

“As he began the settlements, a debtor was brought to him owing ten thousand talents.” The astronomical sum underscores human incapacity to repay the offense of sin apart from the king’s mercy.

• Tower of Siloam (Luke 13:4)

“Or those eighteen who were killed when the tower in Siloam fell on them—do you think they were worse sinners than all the others living in Jerusalem?” Although renders the word “sinners,” the underlying term is the same. Jesus rejects the assumption that exceptional calamity implies greater indebtedness; all are liable unless they repent (Luke 13:5).

Pauline Theology of Indebtedness

• Missional Debt (Romans 1:14)

“I am obligated both to Greeks and barbarians, both to the wise and the foolish.” Having received the gospel, Paul sees himself under divine obligation to proclaim it universally. Grace received creates a debt of love to others.

• Ethical Debt to the Spirit (Romans 8:12)

“Therefore, brothers, we have an obligation, but it is not to the flesh, to live according to it.” Believers no longer owe allegiance to fallen desires; their new debt is to live in step with the Spirit who secured their adoption.

• Solidarity with the Jewish Believers (Romans 15:27)

“They were pleased to do it, and indeed they owe it to them. For if the Gentiles have shared in their spiritual blessings, they are obligated to minister to them with material blessings.” Material support for the Jerusalem saints expresses gratitude for the spiritual heritage Israel supplied.

• Warning to Legalists (Galatians 5:3)

“Again I testify to every man who gets himself circumcised that he is obligated to obey the whole Law.” Voluntary return to Mosaic boundary-markers incurs an unpayable legal debt, severing the believer from Christ’s sufficiency (Galatians 5:4).

Indebtedness and Forgiveness

In Christ, God cancels the record of debt that stood against us (Colossians 2:14). Forgiveness, then, is not denial of obligation but gracious satisfaction of it through the cross. Christians are called to model that same release toward others, reflecting the gospel’s logic of mercy triumphing over judgment.

Communal and Missional Implications

1. Worship: Gratitude for canceled debt fuels praise and obedience.
2. Stewardship: Material resources are marshaled to meet spiritual obligations within the body and for the advance of the gospel (Romans 15:27; Philippians 4:17).
3. Reconciliation: Local churches become communities where debts of offense are continually forgiven, prefiguring the kingdom.
4. Evangelism: Those freed from sin’s liability assume Paul’s sense of gospel indebtedness to every people group.

Historical Reception in the Early Church

Patristic writers frequently cited Matthew 6:12 in baptismal liturgies, reminding new converts that Christ’s atonement had erased their ledger of guilt. Medieval theology expanded the metaphor into the satisfaction theory of the atonement, while the Reformation recovered the Pauline emphasis that Christ alone pays the debt. Throughout, the term has anchored doctrines of justification, sanctification, and Christian duty.

Application for Ministry Today

• Preaching should present sin as real indebtedness and the cross as full payment, safeguarding both the gravity of sin and the sufficiency of grace.
• Discipleship must direct believers from fleshly obligations to Spirit-empowered living (Romans 8:12-13).
• Missions strategy is propelled by the inescapable debt to all nations; withholding the gospel is spiritual delinquency (Romans 1:14).
• Counseling and church discipline should aim for debt-release reconciliation, reflecting the King who forgave ten thousand talents.

The seven New Testament occurrences of Strong’s 3781 thus weave a coherent biblical theology: humanity owes God perfect obedience, fails to render it, and therefore incurs liability; in Christ, that liability is canceled, creating a liberated people who joyfully embrace new obligations—love, holiness, and the spread of the gospel.

Forms and Transliterations
οφειλεται οφειλέται ὀφειλέται οφειλεταις οφειλέταις ὀφειλέταις οφειλετης οφειλέτης ὀφειλέτης opheiletai opheilétai opheiletais opheilétais opheiletes opheiletēs opheilétes opheilétēs
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Englishman's Concordance
Matthew 6:12 N-DMP
GRK: ἀφήκαμεν τοῖς ὀφειλέταις ἡμῶν
NAS: as we also have forgiven our debtors.
KJV: forgive our debtors.
INT: forgive the debtors of us

Matthew 18:24 N-NMS
GRK: εἷς αὐτῷ ὀφειλέτης μυρίων ταλάντων
NAS: [them], one who owed him ten thousand
KJV: unto him, which owed him
INT: one to him a debtor of ten thousand talents

Luke 13:4 N-NMP
GRK: ὅτι αὐτοὶ ὀφειλέται ἐγένοντο παρὰ
NAS: and killed them were [worse] culprits than
KJV: they were sinners above all
INT: that these debtors were beyond

Romans 1:14 N-NMS
GRK: καὶ ἀνοήτοις ὀφειλέτης εἰμί
NAS: I am under obligation both to Greeks
KJV: I am debtor both to the Greeks,
INT: and foolish a debtor I am

Romans 8:12 N-NMP
GRK: οὖν ἀδελφοί ὀφειλέται ἐσμέν οὐ
NAS: brethren, we are under obligation, not to the flesh,
KJV: we are debtors, not
INT: then brothers debtors we are not

Romans 15:27 N-NMP
GRK: γάρ καὶ ὀφειλέται εἰσὶν αὐτῶν
NAS: they were pleased [to do so], and they are indebted to them. For if
KJV: and their debtors they are. For
INT: indeed and debtors they are of them

Galatians 5:3 N-NMS
GRK: περιτεμνομένῳ ὅτι ὀφειλέτης ἐστὶν ὅλον
NAS: who receives circumcision, that he is under obligation to keep
KJV: that he is a debtor to do the whole
INT: being circumcised that a debtor he is all

Strong's Greek 3781
7 Occurrences


ὀφειλέται — 3 Occ.
ὀφειλέταις — 1 Occ.
ὀφειλέτης — 3 Occ.

3780
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