A Karmic Debt is an unexpended effect of a cause in a past life. To simply put, a karmic debt is a reaction to an action set in the past but the reaction is not fully over yet. Difficult and trying relationships sometimes can be a result of a karmic debt.
Are Past Lives true?
Whether a client is really experiencing a past life or not, when you deal with the events that the client is narrating the problem of the client in the current lifetime vanishes!