Making peace with Karmic Debtors

[Vajraprotector]

I have read about karmic debtors previously in materials related to the practice of Chod.
 
In the chod tradition, the four recipients of the offering thatone keeps in mind are called “four guests.” One imagines organising a big feast and inviting the four kinds of guests. They are:
1) Higher guests, Buddhas, Bodhisattvas, Yidams (deities), dakinis, sages, teachers, yogis and yoginis
2) Guests of Quality—fierce beings, wrathful protectors of the dharma, pure emanations of enlightened mind, and powerful worldly spirits
3) Guests of Compassion—existing in the six realms, humans, animals, hungry ghosts, hell beings, demy-gods and gods
4) Lower Guests—all beings to whom we owe a karmic debt, demonic forces, harm-givers, negative spirits and entities.

It is said that karmic debtors are those whose one is karmically linked with most strongly. One owes them something and they owe one something. One of the very strong karmic connections is there because, for some reason, one killed them and such a karmic connection is what is called “a negative karmic debt.” It is called a debt because the result of that connection has still not been resolved, and this negative/black karmic debt travels with and directs our minds into future rebirths.

[Ensapa]

Just another interesting side note about karmic debtors, is that they could be anyone, they could be our partners or our family or friends or our parents that we cant seem to make peace with and that they will hurt us continuously again and again but yet we are hopelessly drawn to them. It's more or less the play of Karma here and due to our past actions, we are being hurt by others repeatedly until we transform our minds and no longer have the karmic imprint to suffer from the repeated actions of these people that will hurt us.

[Dondrup Shugden]

It is not always that we have only Karmic Debtors that is around to take back or avenge us on what we have done negatively to them in this life or previous lives.

I believe there is also Karmic Creditors, to whom we have done positive acts to and who are around us to give  something to us.

Karma and the consequences are like cause and effects and in simple lay man language I would call it actions and results.  Obviously good actions will produce good results and vice versa.

Due to our contaminated mind, what we think is positive may not be to the recipient and vice versa.

Therefore it is important for us to dedicate merits to all sentient beings and with our best motivation to perform deeds that will purify our Karma so that the Buddhas will find it easier to avert calamities that will come to us from our previous misdeeds of unkindness.

The beauty as taught by Buddha is that our Karma is up to us.  That is in itself extremely empowering.