You don't believe Christ paid the debt or you wouldn't think you need to "confess" your sins to be "cleansed of all unrighteousness".
Is that what your church has convinced you of with their hijacking of 1 John 1:9? That's a future passage to Israel as in Zechariah 13:1 KJV consistent with Acts 3:19-21 KJV and even confirmed by Paul in Romans 11:26-27 KJV.
It's all about the second coming for them for their salvation to be complete (1 Peter 1:9-10 KJV) whereas we in the BoC have now received the atonement Romans 5:11 KJV!
I John 1:9 is not future.
It is an ongoing promise made by Jesus Christ to His church on earth through out history, who must endure temptations and remaining sins and failures of the flesh, despite being justified and forgiven of all guilt before God.
This wonderful access to the throne of continual forgiveness and cleansing of our sins, is because of Christ's suffering in time. You rob Him of the efficacy and worth of His blood, with which He cut and ratified the New Covenant with His spiritual children, when you deny the sons of God can continually approach Him in His glory, to stay cleansed from sin.
That is exactly what His cross work work was all about, and exactly what He achieved for His own.
It is not a future for ethnic Jews, but is the present blessing for the church of Christ that consists of a remnant chosen to be redeemed in Christ's blood, both Jew and Gentiles out of all the nations.
He continually worked forgiveness to all His elect who believe the promises of the Savior, prior to the cross, by His grace, and He does the same for all His elect who believe by faith in the fulfillment of the promises by the Savior in time, after the cross, that preceded their lifetime.
This is too serious for you Dispies to be so WRONG!