The Bible Says:

1. You are a sinner:" For all have sinned, and come short of the glory of God." (Romans 8:23)

2. You owe a sin debt: "For the wages of sin is death, but the gift of God is eternal life through Jesus Christ our Lord." (Romans 6:23

3. Christ died for your sin debt: "But God commendeth his love toward us, in that while we were yet sinners, Christ died for us."(Romans 5:8

4. Repent and receive Jesus as Lord:" That if thou shalt confess with they mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation...For whsoever shall call upon the name of the Lord shall be saved." (Romans 10:9,10,13)