Karmic Debt: 8 Signs and How to Repay

AstrologyQuestions & AnswersKarmic Debt: 8 Signs and How to Repay

Life is a complex and deeply integrated process. Sometimes, we don’t understand which consequences our actions will entail. Human is full of competition, and for this very reason we must bear in mind the laws of karma so that we don’t accumulate karmic debts. It’s like mortgage which will haunt you in your current and future lives.

However, the principles of karma are quite simple and easy to follow. In fact, being deceiptful and dishonest is much more dificult than living in accordance with the laws of karma.


Karmic debt is accumulated in the following situations:

  • When people do not fulfill their obligations—most importantly, to the Supreme and the higher forces, i. e. when people “commit a sin”, which is inevitably followed by the imposition of a certain karmic constraint with punishment;
  • When people violate the spiritual law (one or more), which is fraught with negative karmic consequences—this includes various crimes against others or themselves.

In fact, there are numerious reasons why karmic debts arise. We don’t want to give you general phrases, so we will examine the most prominent examples of violations that provoke the emergence of the most significant karmic debts.

A person makes commitments and promises something to others or to a higher power, but fails to keep them. Remember that no promise, not even the smallest one, ever goes unnoticed.

Those individuals who don’t know how to deal with their own promises fall into the category of the biggest karmic debtors. Every promise given but not fulfilled lays down heavy karmic burden on the destiny of such person and prevents them from reaching happiness and harmony.

The person doesn’t realize this sort of karmic predestination, i. e. they renounce their life goals and don’t want to fulfill their karmic tasks.

When the soul does not fulfill its higher duty, it automatically goes into the category of karmic debtors, which means that such souls will have to repay the debt until the violation is completely atoned.

A person illegally takes something from another or appropriates someone else’s achievements (i.e. steals). In this case, the inexorable law of karma will apply:

  • If you take another’s life, you forfeit your own;
  • If you take someone else’s time for nothing, you will pay with your own time;
  • If you take someone else’s money—during several incarnations you will be forced to live in misery, not being able to rise to the final redemption of your sin;
  • If you take someone else’s energy—you will certainly find yourself in a position where other people will excessively consume your energy;
  • If you misappropriate someone else’s material values, you will lose nine times as much.
karmic debt

In this case, the payback can come both in this life and in the next—eternity has no concept of time.

Another kind of karmic debt to one’s soul occurs when people do not take into account the needs of their souls and do not want to develop as their soul wants. When stop the process of our development, when we stagnate, there is no spiritual or personal growth, karmic debt to ourselves is invariably formed, which is punished by negative self-image, a feeling of emptiness and appearance of various pathologies.

Karmic debt arising out of irresponsibility:

  • Not fulfilling one’s work duties—will form a karmic debt to a particular institution;
  • When a person does not want to take care of their family, refuses to take responsibility for family members;
  • Careless raising one’s children, and so on.


The concept of karmic debt includes the following:

  • The “debts” of a person to the Universe in general, the required deeds that the person has not done, the events that the person has not lived up to the end, which eventually leads to the emergence of negative consequences;
  • Violation of spiritual laws, ignoring the principles and norms of morality, which will result in distortions in the energy shell, harm the soul and the moral state of the person.

There are many reasons for all kinds of karmic debts. This includes violation of the commandments and ignoring the existing spiritual laws. But most indicative of the concept of karmic debt is seen in the examples.


A person makes an incredible effort, but nothing works out. In 99% of cases, this indicates karmic debt.

There is a constant lack of energy, strength, joy—a very high probability that this energy drain indicates an unpaid karmic debt. For example, a person feels great, but when he or she starts a new project, they lack energy and enthusiasm.

There are constant conflicts with someone close to them for no obvious reason.

Karmic debts are evidenced by the general deterioration of life—the so-called “bad luck”, the time of losses, frustration of plans, hopelessness. This is a clear indication of the activation of karmic debts at a given stage of life that must be closed.

Before you start repaying your karmic debt, you should determine clearly if you really have it. Answering the following questions will help you understand your current karmic situation:

  • Are you working hard, trying hard, making tremendous effort, but 99% of the time never result in anything useful?
  • Do you try to earn money, but do not rise above the minimum level?
  • Do you dream of a happy family and children, but all your dates end in failure?
  • Do you feel lack of energy to realize your goals?
  • No pleasure of life? Emotions such as joy, good spirits are rare guests in your realm?
  • Nothing works and everything falls out of hand?
  • You feel ready for great achievements, you set a goal, but when you start to implement it, all the passion vanishes and the enthusiasm dries up?
  • Are you experiencing periods of bad luck in your life? Plans are frustrated, constant material losses?

The more times you have said “Yes!” answering the question above, the more likely it is that outstanding karmic debts exist in your life. But dont’ get discouraged—all karmic debts will be repayed sooner or later, it’s just the matter of time and the amount of your personal effort.

It is important to understand that karmic debt is “attached” to your life not to make it worse. The Universe never wants to make someone unhappy, get people into trouble or destroy the destiny of a particular person. Rather, through karmic debt the Universe helps you set the right goals, put you in the right frame of mind and let you know that it’s time to repay your karmic debt and move on.


karmic debt

You can repay your karmic debts using a very specific and simple algorithm:

  1. Identify the causes. It is necessary to find out what triggered the formation of the karmic debt. Understand which law of the Universe has been violated.
  2. Determine the “terms and conditions” of your debt. It is necessary to understand what actions will result in the repayment of your karmic debt and improvement of your destiny.
  3. Meet the criteria. It is necessary to diligently perform all the necessary actions to repay the karmic debt. Note that the process is responsive: it seems pretty difficult when you begin—you may think that you’re wasting your time… But as you progress, you’ll get an intuitive feeling of that you’re headed in the right direction.
  4. Sometimes, you may need to seek a spiritual healer. But be careful, there are many swindlers on this path who, ironically, may be part of your karmic debt. In most cases, you will be able to change your life yourself.

Most often, karmic debts are repaid automatically when people live a decent life, behave well, and obey the laws and moral principles. It may seem a truism, but it works!

We may earn a small commission for our endorsement, recommendation, testimonial, and/or link to any products or services from this website.

Must Read

Related Articles


Please enter your comment!
Please enter your name here