Jambhala - 14th Cen., Tibet
(Halpert Collection, www.himalayanart.org)
Debt Management
Some Suggestions for Psychic Remediation
Debt is an animosity, an imbalanced flow of exchange between borrower and lender, which holds the two parties in negative bondage. Debt which is essentially a mental and social dis-ease. The steps to release debt are the same as those needed to release enemies. The difference is that with debt, most folks will in addition to hating their creditors and "the system," also hate themselves.
Well, first of all, Give Yourself Credit. :) You are ever so clever. You have created a debt!
The fact that your debt exists in your conscious awareness - on paper where everyone can see it - and that you hate it - is actually a very good sign. It's good because it indicates that have brought up stored subconscious fear and anger into conscious awareness. It's not just sitting silently in your subconscious memory, eating away at your life like a hidden cancer. You, most intelligently, have brought this stored toxin to the surface, from whence it can be safely released.
It's just one small step to total elimination. One tiny action to force the total toxic purge.
Fear and distrust stored from past lives is what creates debt in the current life. Fear is a miserable toxin, which poisons our beautiful world on personal, national, and racial levels.
If you are committed enough to your own happiness -- if you are willing to Let Go and Let God where your debt is concerned -- you may be healed of this erosive sickness. In the west we have a much beloved role-model who demonstrated forgiveness while hanging to death on Calvary Hill. By all accounts, it worked for Him!
Try this guilt-free, grief-free, forgiveness technique for releasing your debt in this life:
How to Get Rid of Debt with Neutral Compassion
Accept responsibility (not guilt) for having created this authentic debt relationship with a lender.
Acknowledge how clever you are for having manifested an old, unfinished past-life karma into your current life, so that you could fix it now.
Make a clear mental image of the lender, the amount of the debt, and all the people in your family and your community who judge you for being in debt. Experience that punishment energy one last time. Yuck. It's humiliating and sick. Since fear tends to lurk in the 1st chakra (old survival energy), put a big grounding cord on your first chakra, and ground down to the center of the earth. Make sure your grounding cord is firmly anchored. Send that big toxic sludge of fear energy right down the grounding cord. Plunk.
Release your interest in the judgmental relationships with the lender and the community. Accept *no responsibility whatsoever* for the other person(s) and their judgment toward you. Whatever nasty, manipulative thing they do is their problem. This means no guilt.
(Note this is exactly like selling your car. On the day you sell your car, "my car" which had been a precious, important extension of your very body, suddenly becomes "the car" about which you care nothing. The miraculous change from Very Involved/Obsessed to Total Neutrality that occurs when you Release your Interest in the Vehicle, can also occur when you Release your Interest in an Unwanted Punishment.)
Put out a request to the higher powers that this humiliating punishment energy and all the people who feed into it - the lender, the self-appointed judges in your family, and most of all yourself - be helped to TAKE THEIR NEXT STEP. This is a nice, positive, but firm way of psychically saying, "Git along now. I mean Git!"
Remember you're not specifying what should happen to them. You're not asking for them to be hurt or punished. You're asking for them to be helped to *move along.*
Close your eyes. Make an image of the the debt receipt, the lender's offices, and the judgmental observers. Place their image in a golden soap bubble. If it's a big group like several banks and the IRS, make an extra-big golden bubble. Then send that bubble off to the Supreme Being.
You don't care what happens to them. It's not your job to micromanage other people's karma. It *is* the Supreme Being's job, so you just delegate up... return your interest in the matter to central control. She'll take care of it.
You might need to practice the judges-in-golden-bubble-returned-to-Supreme-Being several times. After each send-off, be sure to fill up your entire body, especially first chakra region, with bright golden light.
As you Release Judgmental relationships, Debt rebalancing becomes Easy
Like Gandhi, keeping releasing. Keep releasing fear of prosperity, keep releasing attachment to being worked to death, judged and punished. These habits are hang-overs from slavery in past lives. Release your interest in self-fulfilling prophecies like "there won't be enough" or "I'll never get out of debt" or "I'll always hate my work, I only work to pay off debt and stay alive." Release, release, release.
As you release, you'll find you are not attached to having the debt. It's there, but you don't care what happens to it. You could pay it or not pay it...
If you prefer to pay it, you will find that the Release Practice above will reduce your anxiety so significantly that you are able to make clear and workable repayment arrangements with your creditors. You will have plenty of energy to do the work to earn the money to make these reasonable, self-determined payments. Further, your creativity at work will increase and you are likely as a benefit of delegating up to higher powers, to be helped in your repayment by curious turns of events. It pays to partner with higher powers!
If you prefer to not pay it, you will find that approved remedies like bankruptcy proceedings become very easy to initiate and complete. It becomes easy to determine the unemotional facts, contact an efficient attorney, and complete the bankruptcy free of anxiety.
In either case, the debt has been transformed from a toxic blend of social punishment and self-contempt, into a value-neutral accounting exercise, which can be accomplished in complete peace of mind using a variety of financial solutions.
You are free.
"Buddha teaches that one should not practice extremes.... As Nagarjuna's "Precious Garland of Advice" says,
Practice is not done By mortifying the body, Since you have not forsaken injuring others And are not helping others.
When you disregard the basic needs of the body, you harm the many sentient organisms that live within the body. You should also avoid the opposite extreme of living in great luxury.
It is possible to make use of good food, clothing, residence, and furnishings without producing afflictive emotions such as attachment, pride, and arrogance.
The crucial point is the control of internal factors such as lust and attachment; external factors are not in and of themselves good or bad. It is not suitable if attachment increases toward even mediocre food, clothing, and so forth.
Contentment is the key. If you have contentment with material things, you are truly rich. Without it, even if you are a billionaire, you will not have happiness.
You will always feel hungry and want more and more and more, making you not rich but poor.
If you seek contentment externally, it will never happen.
Your desire will never be fulfilled.
Our texts speak of a king who gained control over the world, at which point he began thinking about taking over the lands of the gods. In the end his good qualities were destroyed by pride.
Contentment is necessary for happiness, so try to be satisfied with adequate food, clothing, and shelter."
~~ H.H. Tenzin Gyatso. (2006). How to Expand Love: Widening the Circle of Loving Relationships. Jeffrey Hopkins (Trans.& Ed.) Atria Pub.
updated: 31 August 2008
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