Karmic Debt

1. Debt origin

The past action or lifetime that created the karmic debt

2. Nature of debt

What specifically you owe — to yourself, others, or the universe

3. Current manifestation

How this karmic debt shows up in your present life

4. People involved

The souls connected to this debt and their role in resolving it

5. Resistance patterns

How you have been avoiding payment or acknowledgment of this debt

6. Repayment path

The actions and attitudes that will settle this karmic account

7. Grace available

Divine mercy or shortcuts available to lighten the karmic load

8. Debt cleared

The freedom and lightness that comes when the debt is fully resolved