Karmic debt,also known as “life debt,” refers to unpaid debts from past lives.
By analyzing birth date and time,
determine the amount owed,the name of the karmic official,the name of the vault,and the creditor,then resolve the debt through rituals to
relieve life’s burdens and improve current luck.The severity of karmic debt varies,with heavier debts causing more noticeable misfortune.

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