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How Karmic Debt Might Get Collected in Your Love Life

Date 7/8/2024

Passionate couple

You may have heard of the term karma or karmic debt, but what do you really know about it? Both are often misunderstood, with karma especially having a notorious reputation. So let’s clear up some misconceptions. There’s a lot to learn about karmic debt, starting with what it is, how to know if you have any, if you have to pay it, and how to pay it. I’ll also go into karmic cycles, the red flags of karmic relationships, and how long a karmic cycle lasts. The more you know about karmic debt, the better you understand some of the forces at play in this lifetime.

First, you should know that we can have karmic debt with anyone: our friends, family, co-workers, and even enemies. Second, understanding the Akashic records is key to understanding karma. The Akashic records are vibrational frequencies, which act as your personal library of past, present and future lives. It holds the secrets of working out karma and even understanding it. Since working with the Akashic records, I have learned a thing or two about karma. But for now, let’s backtrack a little to discuss karmic debt. 

What Is Karmic Debt?

Karmic debt is debt from a past life with one of your fellow travelers. A bit of a wild card, karmic debt can be either good or bad. The debt can be something that is owed to you or something you owe to someone else. While you can have karmic debt with anyone, we’re going to focus on love relationships in this article. 

How Do I Know If I Have Any Karmic Debt?

In a romantic relationship, you know you have a karmic debt with someone the very first moment you interact with them in this lifetime. There is an inner knowing within your own gut that this person is familiar to you, like you’ve known them before. For a while after meeting this potential romantic partner, things might go quite well—until suddenly it takes a turn, usually for the worse. The honeymoon period is over and what you have becomes chaotic and toxic.

Fighting couple

What Are the Red Flags of a Karmic Relationship?

Many of my clients have recently (at least in the last four years) noticed they are attracting love relationships that seem to go quite well in the first six months to a year. So well, that they had started to think the person they were with was “the one.” But then things turned toxic.


  • they are fighting like cats and dogs
  • their partner has turned into a negative person
  • the communication has broken down significantly
  • and/or the connection they felt was going to last forever has hit a speed bump and they have broken up
  • a third party from the past has re-entered into the picture. The third party is also a love triangle from a past life and it has to be corrected or you can risk playing out the same scenario over and over again in another life. 

These periods of separation could become an entrenched pattern in their relationship, if the karma incurred is not worked out. One of the reasons you have come together is to break this cycle. My clients often ask me how this person, one whom they loved so dearly and with depth of soul, how could they turn into such a horrible person!


How Do You Know If You Are in a Karmic Cycle?

When the love started off intense, but your current life with your romantic partner becomes intolerable, you may be caught up in a karmic cycle. You may feel confused, wondering why, how, when and what things went wrong. It may feel like this perpetual cycle of breaking up and making up will never end. 

The good news is that, yes, it will end. You are completing a cycle of karma which, if you are able to withstand the completion of it, will propel you and your partner into a more fulfilling relationship. If you don’t finish it in one way or another, you are bound to repeat it with either them or someone else or in the next lifetime. 

I am not saying this is an easy process. Quite the contrary, it is one of the most arduous and painstaking ones. However, it has been my experience (being the unbiased observer), that there is a lot of soul growth possible for both you and your partner. In reality, this sort of growth is why we're here and what we signed up for in this current lifetime.

How Can I Pay My Karmic Debt?

The answer is simple, but tricky to follow through on—allow yourself to go through the process of loving and separation and allow things to play out in a way that respects who you are. Many have asked me what they can do in the meantime. The best advice I can give my clients is to take it one day at a time and keep the focus on themselves.  

Admittedly, many people don’t like it when I say such things or give that kind of advice or counsel. However, it is usually in our relationships with ourselves that we find our inner peace. People also often ask whether they should wait around for the other person or have fun and date others. I usually advise my clients to go out and have fun. 

If they happen to meet someone else, I advise them to be upfront with that person. I tell my clients to be honest and tell the new person that they are getting over someone or aren’t looking for anything serious. If they are not up front with the new person, they could acquire more negative karma. Life is too short to wait around for the other person. Sometimes, in focusing on ourselves we draw the person back sooner rather than later.

Plus, meeting another person while you are on hiatus from your ex can help you get some clarity on who you are and what you want in a relationship. You can learn a lot from experiencing being with another person, even if you do eventually get back together with your ex. Even if you don’t, you’ll get some much needed perspective being with someone else, perhaps learning to objectively compare how a relationship feels like when it’s functional versus when it’s not.

Couple making up

How Long Do Karmic Cycles Last?

It usually depends on you. During this process, ask yourself what does this experience bring up in me? Issues of abandonment, insecurity, jealousy, infidelity (or fear of the other party will cheat), and/or substance abuse can come to the surface. The potential long-term partner you have chosen needs to work on their stuff as well, but it is really up to you. I have seen these cycles last anywhere from 2 weeks to 2 years. The more informed you are on what you are dealing with, the better.

All in all, these karmic connections do resolve themselves. It is in the process of chaos the lesson is learned. The utmost importance is soul growth. You are here to learn the lessons, and having a karmic relationship is one way of doing so. 

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Heather4328: Why did you explain karmic debt only in a romantic relationship. It is a much broader concept than that.

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