Karmic Debts, Creditors and Divine Adjudication

What are karmic debts?

In our previous lives, we inevitably create grudges with others through our actions or inactions; notwithstanding the deeds were done with good intentions, on purpose, ignorantly, or unwittingly. Karmic debts are therefore a natural phenomenon of reincarnation (karma). In our daily interactions, we could easily become indebted to someone, cause harm, or render injustices to others intentionally or unintentionally. These entanglements- whether they were about money, love, passion, murder, extra-marital affairs, betrayals, physical or verbal abuses, etc- cause grudges to take hold if they were not dealt with fairly and reasonably at that point in time. These are referred to as karmic debts and such debts, if they remain unresolved, will continue to plague (haunt) the spirit (person) when it reincarnates in this mortal world.

What are karmic creditors?

Where there are debts there will always be creditors, and creditors normally seek out the debtor who owes the debt. In short, karmic creditors are people we had interacted with within our previous lives and with whom there were grudges, and these grudges had remained unresolved. Until the grudges are resolved fairly and reasonably, karmic creditors will always seek out their debtor(s) in this life.

What are the types of karmic creditors?

There are 2 types of karmic creditors:

  • reborn karmic creditors

  • unborn karmic creditors

What are reborn karmic creditors?

A reborn karmic creditor refers to a living human being. For example, a member of our families such as husband, wife, children, parents, siblings, uncles, uncles, father-in-law, mother-in-law, etc; or non-family members such as business partners, bosses, workers, colleagues, friends, strangers, etc. Such creditors may be reborn with us to rekindle relationships, or to seek resolutions for the karmic debts owed to them! If negative feelings and emotions could not be resolved in a past life, there will inevitably be adverse reactions if the creditor and debtor were to meet again in this life. Without proper handling, feelings and emotions between them can become extremely deteriorated and more animosities can be created between them in this life. This is one reason why it is important to know our karma and to learn how to resolve our feelings and emotions in this life.

What are unborn karmic creditors?

An unborn karmic creditor refers to a spirit that is waiting to be reincarnated. That is, it is in the underworld undergoing the process of birth and rebirth. Notwithstanding that the debtor is already reborn in this mortal world, these unborn karmic creditors can declare their grievances to Lord Yama in the underworld, and after obtaining his fair judgement and ruling, be given permission to legitimately seek out a resolution with the debtor in this mortal world. In short, these unborn karmic creditors are given the decree to seek out their debtors with whom they have unresolved emotional entanglements or grievances! This type of creditors is the most troublesome because they are empowered and unseen (i.e., they are metaphysical entities). If the karmic debt is unresolved, unborn karmic creditors can cause harm to the future development of the person. The situation is akin to creditors obtaining a court judgement to legally force the debtor to repay its debts. Failure to do so could result in the seizure or disposal of the debtor's property by the creditors.

What harm can unborn karmic creditors do?

The most common consequence is emotional instability. The fluctuations are due to impinged resentments of the unborn karmic creditor on the debtor that lead to emotional upheavals. In more serious situations, the unborn karmic creditor can cause major obstacles and losses to one's practice, career, work, family, health, and/ or finances. Generally speaking, when we feel that we have worked hard but are not getting what we deserve: for example, we’ve given our best but are still unable to overcome adversity; we feel a lack of a breakthrough in our spiritual practice; we suffer from inexplicable illnesses; we face constant family disputes; we’re unable to achieve satisfactory advancement or expectations in career or health; we find our efforts in vain, etc. All these consequences could be due to the influence of unborn karmic creditors.

What do unborn karmic creditors want?

They are usually not malicious, and they seek only mediation and justice as soon as possible. But if the debtor remains indifferent, the creditor(s) may resort to extreme measures to ensure that the karmic debts are resolved in a timely manner.

Does everyone have karmic creditors?

Karmic debts are a natural phenomenon of reincarnation. Hence, all reborn spirits have to contend with karmic debts and creditors. The only exceptions are those who are “new” to reincarnations (i.e, first or 2nd lifetime), or who have had far fewer reincarnations than most others. For most people, however, the question is not whether there are karmic debts and creditors to worry about, but rather, how many they are to contend with! As the adage goes: "Creditors have better memories than debtors!" Our karmic creditors, whether reborn or unborn, will find us in this life or the next. No matter the debts we owe, we will have to pay off eventually!

Does my karmic reading reveal my karmic debts and creditors?

From your karmic reading, you can clearly understand why you harbour resentments and/ or negative feelings and emotions towards yourself and/ or others. In addition to the karmic debts that you will need to resolve in this life, Lord Nalakuvara will also reveal to you if you have an existing unborn karmic creditor by your side.

Does it mean I don’t have any karmic debts and creditors if they were not mentioned in my karmic reading?

The Divine only reveals your deeds in 2 of your past lives during your karmic reading to explain to you how the 2 past lives affect your present life. This does not mean that you have not held grudges or caused grievances to others in the other past lives that were not revealed during your reading. Hence, if your karmic reading did not mention karmic debts and creditors, it does not mean you won’t face such issues in this life. It just means you have not yet encountered them! Your karmic creditor might have just arrived in the underworld waiting for reincarnation, and he has not yet figured out the situation. Once it is made known, your creditor may approach Lord Yama for permission to seek resolution from you in this mortal world. There are also some karmic creditors who do not act because they don't know your whereabouts. Regardless, if the karmic debt is not resolved in this life, the Divine can arrange for the creditor and debtor to be reincarnated together in a future life so they may be given another chance to resolve their differences face-to-face.

How should a practitioner approach the question of karmic debts and creditors?

Spiritual practice and attainment in the 21st and 22nd centuries can be broadly categorised under 3 key pillars: “body”, “conscience”, and “spirit”. The issue of karmic debts and creditors arise because we have not grasped the essence of "conscience" and "spirit"; both of which are deemed separate by most people in this day and age. That is, our spirit does not act on conscience as its basis of interaction with others, and instead, acts on self-preservation and self-benefits without realising what is right and what is wrong. A spiritual practitioner must learn to control his or her thoughts and deeds if it is to break free from the grip of karmic debts and creditors. To be conscientious, steadfast and positive in facing and dealing with problems. In short, remember the teachings of the Divine: "Know thy mistakes, admit wrongdoings, and repent"!

Why is it important to opt for Divine Adjudication of Karmic Debts and Creditors?

An avatar of an Angel is born out of “purity” and “virtue”. The Divine Adjudication process will allow someone who is an avatar of an Angel to return back to the Divine Angel in its original pure and virtuous form when its spiritual longevity lapses. In short, the avatar is given the opportunity to repent by giving up resentments and hatred, and given the will to resolve the misunderstanding or resentment with others before its return to Divinity. As for the other spiritual essences, Divine Adjudication will ensure that all karmic debts associated with unborn karmic creditors are resolved in a timely manner such that these grievances and debts are not brought forward to a future life. In short, the spirit is able to start a new life on a clean slate after the adjudication.

What are the procedures of Divine Adjudication?

The adjudication process is presided over by the Divine Adjudicator from the Divine Court of Adjudication. Prior to the adjudication, the debtor must notify the Divine Court of his or her wish to resolve all karmic debts related to unborn karmic creditors. The Divine Adjudicator and Courts will then review and settle the cases one by one at a predetermined date, place and time. The debtor must be present at the resolution service and must maintain a humble, but solemn, attitude throughout the session.