在我们累世的人生中，无论是有心或无意，必定会与人结怨，亏欠他人，或做些对不起人之事。而这些前世与人的纠葛；包括钱财债、感情债、桃花外遇债、口业债、杀戮债、孽债等等，如果当时未能公平合理处理，使得对方怀怨於心，今生找来，这些就是所谓的「冤亲债主」。较为麻烦或棘手的是那些「领旨」前来清算的「冤亲债主」；这一类的「冤亲债主」是指那些在前世与我们有过纠葛或结怨的冤家，经过阴界公正的判定与裁决后，充许对方正当的前来讨债。这种「合法」的「冤亲债主」是无形的，如未化解，常会在个人运势发展的重要关键造成伤害。如此的情形，就如同在阳间欠人钱财，债权人经法院判决后取得支付令或执行证，可以合法讨债，随时可以扣押或处分债务人的财产一样。  ​

In our past lives, we inevitably create grudges with others through our actions or inactions. Notwithstanding our good intentions, we might have caused grievances to others ignorantly, unwittingly or on purpose. Karmic debts are therefore a natural phenomenon of reincarnation (karma). In our daily interactions, we can easily become indebted to someone, cause harm, or create 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 grievances or grudges to take hold if they were not dealt with fairly and reasonably then. These are referred to as karmic debts, and such debts, if they remain unresolved, will continue to plague (haunt) the person (spirit) when it reincarnates in this mortal world. Where there are debts, there are creditors, and they normally seek out the debtor who owes the debt. In short, karmic creditors are those with whom we interacted in our previous lives and with whom grievances or grudges were created but remained unresolved. Until the grievances or grudges are resolved fairly and reasonably, karmic creditors will always seek out their debtor(s) in this life.

什么是「有形」的「冤亲债主」？What are reborn karmic creditors?

「有形的债主」是指在世的人。比如我们今世的家人（如：丈夫、妻子、孩子、父母、兄弟姐妹、叔叔、舅舅、家公、家婆等）、或非家人（如：合伙人、老板、工人、同事、朋友、甚至陌生人等），都可能是来续缘、或是来向我们讨债的！如果累世中的负面感觉与感受无法及时化解，而累积在灵体中，今世两人再遇，彼此必然会有不良的反应，容易造成不正常的互动方式。如不知其「因果」，恐怕彼此之间的感情会极度恶化，影响两人今世的考格！A reborn karmic creditor refers to a living human being. For example, a member of our family, such as a husband, wife, children, parents, siblings, father-in-law, mother-in-law, etc., or non-family members, such as business partners, bosses, workers, colleagues, friends, or strangers. 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 cannot 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 deteriorate and create more animosities. This is why it is essential to understand our karma, allowing us to learn how to resolve our feelings and emotions.

什么是「无形」的「冤亲债主」？What are unborn karmic creditors?

「无形的债主」是指还在阴间等待投胎的灵。虽然我们在阳间，这些无形债主（阴灵）可以向阎王爷宣冤，经过祂公正的判定与裁决后，将能得到许可证，即可正当的来阳间「讨债」。这些「领旨」前来清算的阴灵，就是那些在累世与我们有过纠葛或结怨的冤家！这种「合法」的「冤亲债主」是「无形」的，也较为麻烦或棘手，如未化解，常会在个人运势发展的重要关键造成伤害。这种情况，就如同在阳间欠人钱财，债权人经法院判决后取得支付令或执行证，可以合法讨债，随时可以扣押或处分债务人的财产一样。An unborn karmic creditor refers to a spirit 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 judgment and ruling, be permitted 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 to resolve their emotional entanglements or grievances! This type of creditor is the most troublesome because they are empowered and unseen (i.e., they are metaphysical entities). Unborn karmic creditors can cause harm to the future of a person if the karmic debt is unresolved. The situation is akin to creditors obtaining a court order to compel the debtor to repay its debts. Failure to do so could result in the seizure or disposal of the debtor's assets.

「无形」的「冤亲债主」会造成什么样的伤害？What harm can unborn karmic creditors do?

「冤亲债主」最常见的影响，是让个人的情绪起伏不定：主要原因是「冤亲债主」心中的怨恨会投影在个人的情绪上，导致情绪起起落落。严重的话「冤亲债主」还会对个人的修行、事业、工作、家庭、健康、钱财等方面造成阻碍与损失。一般而言，当我们感觉付出努力，却未得到应有的回报：尽心尽力，却总是无法改善逆境；灵修无法取得突破；莫名病痛不断；家庭口角纠纷不息；工作不顺，或是事业、健康等距离预期太大；甚至耗尽心血的努力，往往白忙一场，凡此种种，都可能与「无形」的「冤亲债主」有关。The most common consequence is emotional instability. The fluctuations are due to impinged resentments of the unborn karmic creditor on the debtor, leading 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 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.

「无形」的「冤亲债主」要的是什么？What do unborn karmic creditors want?

大多数的「冤亲债主」只想要讨回公道，并非有恶意，通常都希望当事者能早日寻求化解；除非当事者无动于衷，长期之下，才会采取不良的手段。They are usually not malicious. 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 a prompt settlement.

是否每个人都会有「冤亲债主」？Does everyone have karmic creditors?

所有轮回转世中的灵都会面对「冤亲债主」的问题；唯有的例外是一些刚刚转世投胎不久的灵。对许多人来说，问题不在于「有」或「没有」，而是在「多」或「少」！俗语说：「冤有头、债有主」，我们的冤家，无论「有形」或「无形」，如今没有找来，来世还是会上门拜访，到时不管什么债务，都得还清！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 how many to contend with! As the adage goes: "Creditors have better memories than debtors!" Either in this life or the next, creditors will always seek out their debtors. Regardless of the debts, we will have to pay them off eventually!

化解「冤亲债主」的程序是什么？What are the procedures of Divine Adjudication?

灵界乃指派「解冤大帝与解冤天宫」五位神尊，降临人间，专司主持化解冤亲债主的工作。换言之，最直接有效化解冤亲债主的方法，就是请解冤大帝与解冤天宫做主，将已知的冤亲债主全部调集过来，在解冤大帝前逐一沟通化解，因为过程全在神尊前进行，结果亦有神尊见证背书，当然可以有效勾销仇怨。而这种沟通化解的程序，若能透过通灵人士的处理，效果当然更为明确。The Divine Court of Adjudication comprising five deities have been appointed as Divine Adjudicators to preside over the work of resolving karmic debts with unborn creditors. This is the most direct and effective way to resolve issues with karmic creditors. The Divine Court will gather all the unborn karmic creditors in one place to resolve all their grievances or grudges. Since this entire process is conducted in the presence of divinity, and the outcome is witnessed and endorsed by them, the feuds can be effectively wiped clean. This communication and resolution procedure is facilitated by a clairaudient divine messenger.