I think that we are to forgive everyone - whether they have apologized to us or not, unbeliever and believer, alike.
I think if we don't forgive everyone we will start to harbour bitterness and resentment, and that will start to dampen our spiritual life and our relationship with God. Our hearts will harden, and that is a dangerous dangerous slope to slide..
I believe as well, that we are to demonstrate and extend forgiveness, just as God has demonstrated it to us. We are to demonstrate grace and mercy to others as God has given to us. I believe this is what sets us apart from unbelievers and the world, is to not take revenge on them (hate back on them and perhaps do the same thing back to them - an eye for an eye type of thing) for what they have done, but leave that to God. That is God's job.
I think that God forgives us the moment we accepted Him as our Saviour.
I have sometimes thought about what would happen if Jesus came today, and I have not repented of some sin(s), like for example, unforgiveness. The truth of the matter, I found, is that it could be any day! It may be that someone just hurt me a minute ago, just before Jesus comes, or just before I die in some kind of sudden accident, for example. Another example is that there may be sins in my life where I may not be mature enough to have recognized yet.. In our journey, God reveals things to us not all at once, as we wouldn't be able to handle it all. As we continue to walk with the Lord and mature, I am sure we are convicted of lesser sins.
Even so, will He forgive me, and will I still be saved? I believe, yes.
Having said all that ~~ I believe, however, it is *still* important to ask God to forgive you when you recognize your sin. I think you are doing it more for yourself than God.. It's keeping the relationship open and strong, by humbling and recognizing and acknowledging who you are, and who God is. Its recognizing your need for God every day. I think if one stopped doing it, one may become careless..
Personally, I know one thing about forgiveness.. I can't do it by myself. No manner of self effort is going to help me. My flesh just screams. I cannot remember which book I read this from, but it has stayed with me ever since. It basically said that our first step is to be willing and choose to forgive. The 2nd step, is to ask the Holy Spirit to enable and help us to forgive because in our own effort we cannot; and the third is to ask the Holy Spirit to come and heal any emotional and physical wounds. The last, is to pray for the other person that they may be blessed.. and blessed may mean that the Lord will convict their heart of their wrong doing and lead them to repentence. That is really a blessing for their soul..
I totally agree with good boundaries. Just because I forgive someone, doesn't mean that I have to reconcile with them, and it doesn't mean that I have to associate with them anymore. Sometimes separation is the healthiest thing. All of this is circumstantial to the situation, and whether the other person acknowledges their wrong, as some situations can be very serious. I don't believe one should subject themselves to emotional or physical abuse. I believe that confrontation can be very necessary, otherwise, the other person may go on to hurt others.. We have Godly Laws in our Lands, and thus we have disciplinary actions and jails to protect it's citizens. If we didn't have that we would be living in total kaos..
I found myself in Romans Chapter 4 and 5 tonight, that I think addresses this topic..