Reactions arising from actions; The natural law of cause and effect ; reaping what you sow, etc., in this or previous lives. Karma can be positive or negative as a result of interfering with, or promoting, someone else's free will choice.

Apart from grace and service, pain due to debt karma may not be relieved until the debt is fulfilled. This aspect may inhibit attempts of spirit healing to an individual by a healer. Cancellation of debt karma cannot take place just by itself. If an individual re-orients themself and begins to serve, then this may discharge a debt. The amount of service that is rendered will in time reduce the debt until it is out of existence. That is when the balance has been achieved.

It is possible to work out certain forms of karma in the spirit world, but there are unique forms that can only be settled in the world of matter.

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