Forgiveness

Colossians 2:13
 When you were dead in your transgressions and the uncircumcision of your flesh, He made you alive together with Him, having forgiven us all our transgressions,

I believe we as believers are in agreement that we have been forgiven for all sins; past, present, and future. Jesus took them to the cross for each of us, for all mankind, on the cross two thousand years ago. The word tells us that the Father no longer sees our sin, that they are as far away as the East is from the West. The debt we had for our sins has been fully paid.

Under the new covenant as believers there are no strings attached to our forgiveness. Because of Jesus' one act we are all forgiven forevermore. All mankind. All who ask Jesus into their hearts and believe He came to earth as man, was crucified, and rose again on the third day are born again and filled with the holy spirit. But then, 1 John 1...

1 John 1:1-4
1 That which was from the beginning, which we have heard, which we have seen with our eyes, which we have looked upon, and our hands have handled, concerning the Word of life- 2 the life was manifested, and we have seen, and bear witness, and declare to you that eternal life which was with the Father and was manifested to us- 3 that which we have seen and heard we declare to you, that you also may have fellowship with us; and truly our fellowship is with the Father and with His Son Jesus Christ. 4 And these things we write to you that your joy may be full.

John was speaking to unbelievers. He was testifying to a life with Jesus. He is speaking to unbelievers telling them there's a way to be cleansed from all unrighteousness. And that is to accept Jesus as their Lord and savior.

Then we go on to 1 John 2 where John is speaking to born again believers:

1 John 2:12  
 I write unto you, little children, because your sins are forgiven you for his name's sake

Forgiveness came at the cross. We began our walk in it as soon as we believed.

So is it wrong to ask God to forgive us when we do wrong? No, but if we do not it is fine. He has already forgiven them.

Confessing sins does not help us to overcome sin. We don't confess to get rid of sin, we confess to receive grace.

Jesus did not remove our responsibilities for our own actions at the cross. We are subject to the consequences of our actions and our words right here on earth.

Ephesians 4:32 
And be ye kind one to another, tenderhearted, forgiving one another, even as God for Christ's sake hath forgiven you.

 Go forth knowing all debt for sins you have fell into has been taken care of forevermore. The balance in your account is zero for all time. Show love to all and forgive them of any wrong they have done to you. It is not because you have to, but because this is what love does.