We all have sinned and fall short of the glory of God. (Rom 2:12) And just as it is appointed for man to die once, and after that comes judgment. (Heb 9:27)
We cannot pay back any of our possessions as penality. The Bible says,"None of them can by any means redeem his brother, nor give to God a ransom for him: (For the redemption of their soul is precious, and it ceaseth for ever:) That he should still live for ever, and not see corruption." Psalms 49:7-9
Then How can a man be justified before the Holy God which dwells in the most holy place and have the eyes which cannot see sin?
Let us examine ourself, (Exodus 20)
• Thou shalt not kill. (Ex 20:13)
Mat 5:21,22
Ye have heard that it was said by them of old time, Thou shalt not kill; and whosoever shall kill shall be in danger of the judgment: But I say unto you, That whosoever is angry with his brother without a cause shall be in danger of the judgment: and whosoever shall say to his brother, Raca ("You fool!"), shall be in danger of the council: but whosoever shall say, Thou fool, shall be in danger of hell fire.
• “You shall not commit adultery. (Exo 20:14)
Mat 5:28 But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.
• Thou shalt not steal. (Exo 20:15)
Rev 21:8 But the fearful, and unbelieving, and the abominable, and murderers, and whoremongers, and sorcerers, and idolaters, and all liars, shall have their part in the lake which burneth with fire and brimstone: which is the second death.
As your debt is like a mountain above your whole life, you are worthy to be cast into the Lake of fire forever.
Is there a way to escape the judgment.
Yes, Jesus Crist is the way to escape Hell and enter Heaven.
Joh 3:16 For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.
God sent His only begotten Son to be bruised for our sins (iniquities). Jesus Christ by died on the Cross by shedding all His blood to pay all your depts in full to redeam you. He was buried. But He arose from the dead as He already said and proved His diety. (1 Cor 15:1-4, 1 Cor 7:23, Mat 26:61)
Then, How can we be saved?
Act 16:30,31
And brought them out, and said, Sirs, what must I do to be saved? And they said, "Believe on the Lord Jesus Christ, and thou shalt be saved, and thy house."
The Bible promises, "There is therefore now no condemnation to them which are in Christ Jesus" (Rom 8:1)
Rom 1:17 For therein is the righteousness of God revealed from faith to faith: as it is written, The just shall live by faith.
John 14:3
And if I go and prepare a place for you, I will come again, and receive you unto myself; that where I am, there ye may be also.