Unfaithfulness by Hidden Debt

In one mighty stroke of his pen the Apostle Paul compares the love between man and wife in marriage to the love of Christ for his church. (Ephesians 5: 25-27) This should cause us to pause and reflect about our attitude toward, and relationship with, our mate.

Marriage as God intended was meant to be a union of two people where they express sacrificial love for one another. They give not only their hearts to each other, but their very personalities. They love each other exclusively, giving to each other freely and reciprocally.

For as challenging as it is to build this bridge of trust, and the painstaking work needed to create an environment of safety where we are free to be who we really are, it can be destroyed in a moment.

The sanctity of marriage can be damaged in many ways. There is perhaps nothing more devastating to the purity of marriage than unfaithfulness. However, while we are quick to focus on sexual infidelity as the cruelest form of unfaithfulness, I encourage us to look beyond this to a larger definition of unfaithfulness.

There are many forms of unfaithfulness, including physical and emotional abuse. Clearly physical or emotional violence violate the sacred bridge of trust built between man and wife. But, what about impact of deception on the marriage? In a delicate fabric of honesty and trust, deception can bring a marriage to ruin. A woman wrote to me recently sharing the impact of financial deception and the impact of their marriage.

Dear Dr. David. I’ve been married now for ten months.  Three months into our marriage, my husband disclosed his large debt amount to me. He gave me no indication that he had any debt, so to find this huge financial mess has been devastating to me. I am finding it difficult to want to be around this man.  I’m very angry and am trying to forgive him, but it is hard. I pray. I fake being nice. I don’t want to be at home. I try to forgive. To me it’s as dishonest as an affair and equally difficult to work through. Is it OK to walk away from a lie? Have you heard of anyone else that survived (or did not) a similar situation? I want out and am getting depressed. Ugh.  --Hater of Deception

Dear Hater of Deception,

You are certainly not the only one who hates deception. In fact, marriage is built on the foundation of trust—and trusting in your mate’s word is a basic ingredient in a healthy foundation. Your world has been shaken.

Your husband was wrong in not disclosing his debt to you—no if’s, and’s or but’s. You are an example to all of us of just how devastating deception can be. A little deception goes a long way in eroding trust. If someone can deceive us about finances, we wonder what else have they been dishonest about? 

Let’s consider a healthy response to your husband’s deception.

First, is he now honest about his financial problems? If so, you have an opportunity to grow beyond this obvious failure to share honestly. If he has “come clean,” you both can make a vow to be completely honest about such issues in the future.

You can take note of how troubling deception can be, and vow to be completely honest with each other in the future. An incident of deception does not need to ruin your marriage. 

Second, consider the possibility that your husband’s deception is an indication of a deeper problem. Has he been dishonest about other matters? Is this incident of deception part of a greater character problem that is now rearing its ugly head? Sit down with your husband and identify, objectively, the exact nature of the problem. 

Third, if his deception is part of a larger problem, set out a plan for healing. As I share in my book Breaking Everyday Addictions, a little change is not enough. Real change requires real effort—and accountability. Is your husband willing to participate in counseling to assist you in healing, and to be held accountable for being honest from here out?

Finally, healing from deception is a process, not an event. You may by expecting too much from yourself to think you can quickly forgive. You are right to say that deception about finances feelings like unfaithfulness—it is! Agree together that you will grow from this wound. Allow each other to have feelings about this troubling situation and to grow from it. Be careful, however, not to let this situation define your relationship. Undoubtedly there are still many good aspects to your marriage. Walking away would be a mistake.

How do you feel about this woman’s plight? How might you advise her? Have you been in similar situation you would be willing to share with us?

Print     Email to a Friend    posted on Tuesday, November 11, 2008 11:34 AM

Comments on this post

# RE: Unfaithfulness by Hidden Debt

Would you have married him if you knew? If the debt is VERY subtantial and you think you'd be better off without him, you could seek a legal seperation. A court may be open to financially unwinding what you both had before the marriage since its so short, instead of dividing HIS debt and your combined assets 50/50 as some states would do. If it's THAT bad don't be enslaved in a rotten marriage the rest of you life and don't wait. If it's consumer debt and expensive cars, it may be difficult to change. If somehow he has fallen on hard times or lost a job or business or the debt is a high priced house or other worthy asset that has now fallen on a flat market (as has happened with others recently) and he is still trying to recover and has real goals to accomplish it you may have something. See if he is willing to trade the expensive car loan (if that's it) for a bare bones economy car to bump up the cash flow or some other lifestyle change as a measure of his intent.
Left by rwboyd on Nov 12, 2008 1:27 PM

# RE: Unfaithfulness by Hidden Debt

Hey Dr. David, How about this one.
When I married my wife of 11+ years, things looked OK, but what I never learned untill I was well into the marriage was her hatred toward her 1st husband. I never realized what a crushing liability this ex would be. We've been to court several times over custody issues. I lost a terrific job opportunity because we could not move (custody). She's 100% suspicious of me having an affair, and accuses me of all sorts of wrong doing. Just going to church (where many ladies are nicely made up and well dressed) has been hell, because of all the accusations. Her EX did have an affair (so it seemed).
Forget counseling, since it was all his fault and now all mine too. There IS NO middle ground with her. Kind to others, but bitter at the core to me, the EX, and lost out terribly with her son.
I feel trapped by a "christianity" that would rather see me rot and stay married for the bible, than let this woman fend for herself like she deserves.
Left by rwboyd on Nov 12, 2008 2:11 PM

# RE: Unfaithfulness by Hidden Debt

As unpopular as this biblical statement is in todays world, let me give you what the Word of God says: What God hath joined together let no man put asunder. When we take our marriage vows it is for better or for worse in sickness and in health until death do us part. No place in the Word does it say until DEBT do us part. My husband and I are currently separated do to his abusive ways...but not divorced. Is it easy raising four children without his help...no it is not. I have to pray EVERY day for strength. I would encourage you to ask God to speak to you through His Holy Spirit about what to do in this situation. Your husband did in fact deceive you but God is your total source for everything. He is Jehovah Jireh and He will repsond if you will trust and LEAN on Him. I will pray for both of you that God's grace and mercy will flood your lives.
Left by T. Davis on Nov 12, 2008 9:59 PM

# RE: Unfaithfulness by Hidden Debt

While hidden debt IS a problem, there is NO problem that cannot be resolved with God's wisdom. Two people sitting together humbly, praying for answers to problems every marriage will face, will find solutions.
None of us are perfect, and we must walk the line between holding others accountable, but also extending grace.
Dr. David
Left by drdavidhawkins on Nov 14, 2008 12:08 PM

# RE: Unfaithfulness by Hidden Debt

Dear HOD,You didn't disclose the amount that is owed or if he has a good job or if you two are able to pay the debt off so it's hard to know if you're seeing things correctly.I'm assuming this is your first marriage??

If it's a student loan, many people enter marriage with this and do not see it as a "secret" they're hiding. The debt is often a necessary step to getting that better paying job.If you truly love your husband, you will pray for him to prosper and to be a great spiritual leader in your home, you will both watch your spending and you will be sure to tithe and give to the poor.

I have learned that giving to CBN and Operation Blessing is a great way to be blessed by the Lord. If you don't believe me, watch all the testimonies they have posted about financial turnarounds. You may end up being very glad you've had this trouble.
Left by praizr on Dec 05, 2008 11:03 AM

# RE: Unfaithfulness by Hidden Debt

Hello, I had to re-read your post as I thought I wrote it. My situation is so similar. I can only encourage you to do what God is telling you to do. As you know although the Lord doesn't like divorce, he also doesn't like sin/lies,etc. I see people writing quotes,but I don't see anywhere in the Word where it says 'til death do us part.' I am certain that this would be the ideal, but it's not always the case. Plus, if you know the Word, death doesn't only apply to physical death. Most importantly God is a loving and forgiving God, so first repent for not trusting HIM. Apparently, we let the ball drop as I am certain God would not have allowed us to walk into a lie. So it was there, we just chose not to see it, for whatever reason. Start there and then be led by the Holy Spirit as to what to do next. Whatever the decision, don't feel condemned by what others might say. You are accountable to the Lord and if he can forgive you, that's all you need!

Blessings,
~Jae
Left by jurblessed on Dec 19, 2008 4:48 PM

# RE: Unfaithfulness by Hidden Debt

I recently attempted to refinance our mortgage and was unable to close due to a lien against the property. My husband owes over $10K and the creditor has put a lien againt the property. I was unaware of this debt. We cannot sell or refinance until the debt is paid. I feel as if I have just been informed of an extramarrital affair. I can no longer trust my husband, nor do I have any respect for him. I cry to God asking him what else am I about to find out about my husband? He expects our relationship to go back to "NORMAL," and tells me I am being BITTER because I can't let this situation go. He is very complacent, refuses to take responsibility for his actions and do whatever necessary (get another job) to correct the matter.
Left by ChickenSoup on Jan 26, 2009 9:22 AM

# RE: Unfaithfulness by Hidden Debt

If you can't sell your house, you can't sell your house. Period.

Rather thine whine to your husband and pressure him about it (useless behavior), take the matter to God.
Left by SusieChan on Feb 12, 2009 12:22 AM

# RE: Unfaithfulness by Hidden Debt

Good day!,i am having a really tough time at the moment.I recently got married in feb 2009!"newly weds!".It was for certain one of the best days of my life.Prior to marriage things were discussed deeply.Everything from feelings,emotions,finances,past relationships everything including health!.According to him he was financially sound.All the vital groundwork which needs to be discussed.I am sitting presently in a house in which he owns with his previous partner(never married children out of wedlock),he has not been paying the bond for the last 11 months,monday 11 may 2009,is execution of the house,i am open mouthed&unbelievably astounded.He kept this quiet,from his ex and i.I drew up an ANC!prior to marriage.A lifesaver.I am a mother with a child!.A little blessing in disguise!,i solely look after her since birth!.I took my vows seriously!,at the time!.I am feeling humiliated,so disappointed.Why was he not decent in telling us the truth!,as i did!.Never given a choice
Left by butterfly on May 10, 2009 8:14 AM

# RE: Unfaithfulness by Hidden Debt

Well under the circumstances it has left me no option but to gather my things the few things i have left in order to do what i know is best.I cannot live a lie!.This man never had the decency to disclose this matter and to have done what he has done is really bad!,for he has not just black listed himself,but the mother of his children too!.It is so selfish of him to have done this!.For someone to not be honest to others and to himself saddens me!.I have no understanding.He is certainly selfish!.I hope he seeks guidance from god!, for i certainly would not be around today if i did not myself!.God is the father of us all!.We are never alone.I turn to him for everything though i have little,i am never alone.I have plenty!. I have faith in knowing that my daughter and i will be fine!.Though i do not know what to expect tomorrow!,i am walking in faith!.I have never been selfish i am selfliss!,i cant help those whom cant help themselves.I hope he learns from this!.HONESTY IS THE BEST POLICY!
Left by butterfly on May 10, 2009 9:06 AM