Free Yourself from Profound Karmic Burdens: The Karmic Creditors Liberation Program

Release unseen karmic debts and restore spiritual harmony through remote, private Buddhist rituals guided by generations of authentic practice. Our multi-tiered program is designed to address the full spectrum of karmic entanglements, from minor ties to the most profound, long-standing attachments.

🌟 Our Liberation Program Tiers (3 Sessions Per Day)

Choose the level of spiritual intensity that matches the depth of your karmic ties. Each session includes: 

  • Sincere Apology
  • Dharma Teaching
  • Amitabha Buddha Chanting
  • Pure Land Visualization
  • Dedication of Merit
Tier NameDurationTotal SessionsPrice (USD)Recommended For
🕊 Intensive Liberation7 Days21 Sessions$1,099Persistent or complex karmic issues that require a strong, dedicated week of purification.
✨ Profound Liberation
Most Recommended
21 Days63 Sessions$2,999Very strong, long-standing, or ancestral attachments. The ideal choice for deep, sustained spiritual cleansing.
🪷 Ultimate Liberation49 Days147 Sessions$5,999Extremely strong, life-altering, or persistent attachments. The most comprehensive, traditionally aligned path for complete and final liberation.

What Happens in Our Karmic Creditors Liberation Program?

Visual summary of the Five Core Components of the Karmic Creditors Liberation Program: Sincere Apology, Dharma Teaching, Amitabha Chanting, Pure Land Visualization, and Dedication of Merit.
The Five Core Ritual Components for Profound Liberation. This visual summarizes the systematic process of the ritual: 1. Sincere Apology, 2. Dharma Teaching, 3. Amitabha Buddha Chanting, 4. Pure Land Visualization, and 5. Dedication of Merit.

Our Buddhist program is a comprehensive spiritual journey, not just a single ritual. It follows a structured, multi-component approach to help complete resolution and peace for both you and your karmic creditors.

1. 🧘 Daily Sincere Apology & Soul Dialogue

On your behalf, we offer heartfelt, personalized apologies to all harmed beings (karmic creditors). This is a critical step for strong attachments, as it includes a daily, focused soul dialogue to acknowledge their suffering and sincerely request their release.

2. 📜 Daily Dharma Teaching & Guidance

We teach the karmic beings about impermanence, compassion, and the Pure Land. The teachings themselves remain the same throughout the program, but their repetition over 21 or 49 days allows the karmic beings to gradually absorb, accept, and be moved by the Dharma—deepening their willingness to let go and find peace.

3. 📿 Daily Amitabha Buddha Chanting

We chant the name of Amitabha Buddha, offering a light-filled path for their release and rebirth. The sheer volume of chanting in the 21-day (63 sessions) and 49-day (147 sessions) options builds irresistible spiritual momentum to overcome even the strongest resistance.

4. 🌸 Daily Visualization of the Pure Land

A beautiful and compassionate world is described and visualized to inspire karmic beings to let go and move on. This repeated, vivid guidance over an extended period ensures the creditors have a clear, positive destination to transition to.

5. 🪷 Daily Dedication of Merit

All virtue and merit generated from the rituals are transferred to the karmic beings to support their journey onward. This sustained dedication of merit over 7, 21, or 49 days provides the necessary spiritual capital to settle the most significant debts.

6. 📞 Personalized Spiritual Support

Gain access to our spiritual mentors for a weekly check-in (via email) to discuss your experience, any insights, and to ensure the ritual’s focus remains aligned with your deepest needs. 

Why Choose the Karmic Creditors Liberation Program?

We combine authentic lineage with a compassionate, modern approach to clear your karmic debts.

  • Generational Lineage & Authenticity: Our rituals are performed by experienced 居士 (lay practitioners) who follow a lineage passed down through generations, ensuring the authenticity and efficacy of every ceremony.
  • Multi-Tiered & Personalized: We don’t offer a one-size-fits-all solution. Our program is multi-tiered, designed to address the full spectrum of karmic entanglements, from minor ties to the most profound, long-standing attachments.
  • Remote & Private: All services are performed remotely with sincere intent. No need to attend physically. Your privacy and comfort are paramount.

Founder's Testimonial: From Enduring Darkness to Building the Path of Liberation

Since 2004, my wife and I have faced continuous, severe challenges that grew increasingly life-threatening by the end of 2015. It felt as if unseen forces were relentlessly closing in — draining our strength, disrupting our peace, and placing every part of our lives under unbearable pressure.

In those darkest years, we turned to the Buddha, my grandfather, and his revered teacher, Master Han, seeking guidance and refuge. Through their compassionate blessings, we began a journey of deep cultivation. Slowly, we came to understand that what we faced was not mere misfortune, but the heavy weight of karmic entanglement — debts and attachments from the unseen realm seeking resolution.

As we devoted ourselves to the practices revealed through this guidance, something truly profound happened. Through the power of sincere cultivation, the karmic creditors, who had held us bound for years, were finally able to find peace and achieve rebirth in the Pure Land. Even for those few who were particularly stubborn, the deep spiritual shift within us was transformative. Our minds moved from despair to acceptance, and from resentment to appreciation, as we realized they had helped us understand the profound truth of impermanence. This difficult journey ultimately helped us establish a deep connection with the Buddhas and Bodhisattvas and the Divine, solidifying our faith and setting us firmly on the path toward complete liberation and escaping the cycle of the six realms of rebirth.

It was through this experience — through trial, faith, and revelation — that we built confidence in the teachings and gradually developed the Karmic Creditors Liberation System. This system is not theory; it is the fruit of lived transformation. It embodies the wisdom and compassion that restored balance to our lives and now helps others find liberation from their own unseen burdens.

Portrait of Zhanming, founder of GeniusHub Education, an experienced lay Buddhist practitioner
Zhanming, Founder of GeniusHub Education and Lead Pure Land Lay Practitioner (居士)

Understanding Karmic Creditors (Yuanqin Zhaizhu)

Abstract conceptual diagram illustrating the Karmic Debt Cycle: Action leads to Debt (Yuanqin Zhaizhu), which causes Suffering. A compassionate intervention (Liberation Program) breaks the chain, leading to Resolution and Liberation.
Visual Flow: It shows the cycle from Action/Cause to Debt (Yuanqin Zhaizhu) to Suffering/Manifestation. The cycle is interrupted by a Golden Hand representing the Liberation Program, leading to Resolution/Liberation.

What are Karmic Creditors?

In Buddhist teachings, Karmic Creditors (Yuanqin Zhaizhu) are not malevolent demons, but rather the spiritual remnants of beings—human or otherwise—to whom we owe an “invisible spiritual debt” from past actions. They are the unseen attachments and unresolved energies from previous lifetimes or even this one, seeking resolution.
 
Think of it as a Spiritual Balance Sheet:
  • The Debt: Any harm, betrayal, or suffering we have caused, intentionally or unintentionally.
  • The Creditor: The consciousness of the being who suffered the harm, which remains attached to us, seeking repayment or justice.
  • The Consequence: These attachments manifest as life blockages, unexplained misfortune, chronic illness, or emotional distress—a constant drain on our spiritual energy.
Our ritual is designed to compassionately settle this debt, guiding the Creditor to liberation and restoring your spiritual harmony.

🔗 The Cycle of Karmic Debt

The process of karmic entanglement can be visualized as a cycle, moving from Action (Cause) to Debt (Entanglement), which manifests as Suffering (Manifestation), and finally leads to Resolution through the Liberation Program. Our ritual breaks this cycle, leading to Liberation and Spiritual Harmony.

🌿 Is the Karmic Creditors Liberation Program for You?

Our Liberation Program is for those who sense that ordinary solutions can no longer explain or resolve the patterns shaping their lives. Reflect on the questions below — if several resonate with you, this program may be your path toward release and renewal.

  • ❓Do you experience repeated misfortune, loss, or failure despite sincere effort?

  • ❓Have you or your family suffered from sudden illness or emotional instability without clear cause?

  • ❓Do you feel spiritually blocked, as though unseen forces are holding you back from peace or progress?

  • ❓Have you sensed strange disturbances, heavy energy, or unrest around your home or loved ones?

  • ❓Do you carry deep guilt, fear, or sorrow connected to past events or relationships that seem to haunt you?

  • ❓Are you aware of ancestral burdens or family karma repeating through generations?

  • ❓Do you simply feel called to clear your karmic debts and walk a freer, more luminous path of awakening?

If these questions echo your own experiences, the Karmic Creditors Liberation Program offers a compassionate and structured way to restore balance and peace — for both yourself and all connected beings.

🌸 What You Will Receive

Each program tier includes:

  • Three daily sessions of Sincere Apology, Dharma Teaching, Amitabha Chanting, Pure Land Visualization, and Dedication of Merit

  • Personalized spiritual alignment with karmic beings for accurate resolution

  • Lifelong Cultivation Materials: You will receive a one-time package of guidance and materials, containing timeless wisdom that can be studied and applied continuously for your spiritual growth long after the ritual is complete.

  • Remote participation, allowing you to receive all benefits without physical attendance

Why Karmic Creditors Liberation Rituals Are Important

🧘‍♀️ Relieve the Suffering of Karmic Beings

Problem:
Many spirits remain trapped in resentment, confusion, or pain after death. These unresolved emotions keep them bound to the human realm, unable to transcend. Their lingering presence can cause disturbances, emotional heaviness, or inexplicable obstacles for the living.

How We Solve It:
Through our Karma-Cleansing Liberation Ritual, we offer compassionate guidance to these wandering beings, helping them release attachments and find peace. By resolving their suffering, both the spirit and their living relatives experience harmony and relief.

Key Features:

  • Sacred chanting and merit dedication to free bound spirits

  • Personalized name invocation to precisely connect with karmic beings

  • Compassion-based Buddhist method that requires no physical attendance

  • Restores peace within the home and surrounding environment

✨ Cleanse Hidden Karmic Blockages

Problem:
Unseen karmic entanglements often manifest as cycles of illness, misfortune, or stagnation. These are not random events but echoes of unresolved debts and emotional imprints carried across lifetimes or generations.

How We Solve It:
Our Karmic Resolution Ceremony identifies and purifies these hidden patterns through traditional Buddhist practice. Chanting, offering, and guided merit transfer help dissolve energetic knots, restoring balance and flow to one’s spiritual and physical life.

Key Features:

  • Addresses personal, ancestral, and relational karma

  • Uses authentic Buddhist sutra recitations for purification

  • Breaks recurring negative patterns to invite renewal

  • Conducted remotely with spiritual precision and compassion

💞 Protect Your Family and Descendants

Problem:
When karmic debts remain unresolved, they may affect not only individuals but also their descendants. Family members may unknowingly bear the consequences—through conflict, poor health, or repeated hardship.

How We Solve It:
By resolving these spiritual imbalances, we transform restless energies into benevolent guardians. Spirits that once caused harm evolve into protectors who bless the family line with peace, abundance, and stability.

Key Features:

  • Releases ancestral burdens that affect future generations

  • Converts harmful karmic influences into positive protection

  • Invokes blessings through sacred dedication of merit

  • Promotes harmony and longevity within the family

🚪 Open the Path to Spiritual Progress

Problem:
Invisible karmic weights can silently hinder one’s spiritual journey. They cloud the mind, disrupt meditation, and create emotional resistance that prevents genuine awakening.

How We Solve It:
Our Liberation and Enlightenment Ritual clears these inner obstacles, allowing the soul to advance freely. As karmic burdens dissolve, clarity, wisdom, and compassion naturally arise, opening the way toward true liberation and higher realization.

Key Features:

  • Removes subtle energetic obstructions to cultivation

  • Enhances meditation and spiritual sensitivity

  • Facilitates karmic release for personal enlightenment

  • Guided entirely online—no need for physical presence

Our Core Advantage: Authentic Lineage and Personal Validation

Rooted in Authentic Lineage

Our practices are not modern inventions but the continuation of a living Buddhist lineage. Guided by the blessings of my grandfather and his teacher, Master Han, our methods integrate generations of wisdom passed down through disciplined cultivation. Every mantra, visualization, and ritual step has been refined through direct experience and spiritual transmission, ensuring authenticity and profound effectiveness.

Born from Real Experience

This system was not built from theory, but from lived transformation. For years, my wife and I endured relentless spiritual challenges — experiences that tested the very limits of body, mind, and faith. Through guidance from the Buddha, our teachers, and the compassionate energy of the Pure Land, we overcame those trials. What emerged is the Karmic Creditors Liberation System, a method proven by real deliverance, not speculation.

Multi-Tiered, Comprehensive Liberation

Each tier of our program is designed to match the depth and duration of karmic entanglement. With three sessions per day, every program offers a complete cycle of purification through:

  • Sincere Apology — Reconciliation with karmic beings through heartfelt repentance.

  • Dharma Teaching — Guiding spirits to awaken from confusion and release attachment.

  • Amitabha Buddha Chanting — Inviting the power of infinite compassion and light.

  • Pure Land Visualization — Opening the path toward rebirth in peace.

  • Dedication of Merit — Transferring blessings to all involved for mutual liberation.

Accessible, Remote, and Personalized

Our rituals are performed remotely with full spiritual precision — no physical attendance is required. Each ceremony is carefully tailored to the participant’s karmic situation, with personalized guidance throughout the process. This makes our service accessible to sincere practitioners around the world who seek genuine liberation but may not have access to monastic ceremonies.

The Ritual as the Beginning of Inner Growth

Our work does not end when the ritual concludes; it marks the beginning of your renewed spiritual journey. Participants receive study materials and guidance specifically related to this ritual, designed to help you understand its meaning, the principles behind its merits, and how to continue embodying its peace and insight in daily life.

These materials are meant to deepen your understanding and reflection on the wisdom shared through the ritual, helping you maintain inner balance and compassion even after the program has ended. We believe true liberation begins within — and this ritual serves as a powerful catalyst for awakening and renewal.

Testimonies of Karma Released and Peace Restored

From Ten Years of Struggle to Peaceful Flow

“For years I faced constant setbacks—every opportunity collapsed at the last moment. After the Liberation Ritual, that heavy energy lifted. My projects flow smoothly again and my heart feels light.”

— L.M., California

Harmony Restored to Our Home

“Our home used to feel filled with tension. After the Karmic Creditors Ritual, peace returned. Even my children said, ‘The house feels different now.’ I believe our ancestors were released.”

— Wei Family, Vancouver

Healing Beyond Medicine

“I had recurring health issues no doctor could explain. During the 21-Day Program I felt warmth each night. By the end, my sleep improved and fear disappeared.”

— S.R., Toronto

Unexpected Blessings and Renewal

“I began the ritual with doubt, but as sessions continued, coincidences and blessings unfolded. Liberation is real when guided by compassion and sincerity.”

— H.K., Singapore

Finding Forgiveness After Taking Life

“After years of regret over harming small lives, I joined the 7-Day Program. On the third day I dreamed of those beings smiling. I woke up crying with relief—my heart finally feels forgiven.”

— J.Y., New York

From Darkness to Liberation

“Our family endured over a decade of mysterious difficulties. Through the 21-Day Profound Liberation, that energy dissolved. Health, work, and relationships all began to improve.”

— M.& O., British Columbia

FAQ: Karmic Creditors Liberation Rituals

❓ Q1: What if I don’t know who my karmic creditors are?

👉 That’s perfectly okay. Most people don’t consciously know. The ritual is designed to address all karmic beings — known or unknown — using compassionate apology and universal merit dedication. Your sincerity and intention are more important than specifics.

❓Q2: Can I request this ritual for my family members?

👉 Yes, karmic liberation rituals can be performed for family members, but the person must be aware of the process and willing to sincerely apologize and commit to not causing harm in the future. Only with their conscious participation can the ritual be conducted effectively in their name and included in the compassionate process of karmic release.

❓ Q3: What if the harm was very small—like stepping on an ant?

👉 Even small actions can leave karmic traces. Every life deserves acknowledgment. The ritual helps resolve these gently.

❓Q4: Do I need to be Buddhist or spiritual to do this?

👉 No. While the ritual follows Buddhist principles, it does not require you to be a Buddhist. Many of our clients simply feel a deep need to clear emotional or energetic blocks, or have experienced recurring misfortune they can’t explain. This is a compassionate service open to all who seek peace and resolution.

❓ Q5: What is a Karmic Cleanse or Karmic Debt Ritual?

👉 A Karmic Creditors Liberation Ritual is a remote Buddhist spiritual practice that helps resolve hidden karmic debts caused by harm we’ve done to sentient beings in this life or past lives — consciously or unconsciously. Through chanting, Dharma teaching, and merit dedication, this ritual gently guides karmic beings toward peace, while releasing karmic blockages from your life path.

❓ Q6: Will this help with my recurring bad luck or emotional pain?

👉 Likely — many people who experience repeated setbacks, unexplained illness, relationship issues, or emotional heaviness find relief after a karmic release ritual. These symptoms are often signs of unresolved karmic entanglements. While we cannot promise material outcomes, the ritual helps clear hidden karmic blockages that may be affecting your life path.

❓ Q7: Is the ritual really effective if done remotely?

👉 Yes. In Buddhist and Taoist tradition, intention and sincerity matter more than location. These karmic rituals are performed with deep concentration, chanting, and visualization. The energy of merit and release transcends physical space. Many clients have shared powerful emotional and energetic shifts afterward, even from afar.

❓ Q8: Is this an Exorcism, Ghost Clearing, or Spiritual Cleansing?

👉 No. Karmic Creditors Liberation Ritual is not about fear, force, or exorcism. It is based on compassionate reconciliation. We teach karmic beings about impermanence and the Pure Land — and guide them peacefully toward resolution. It’s more like a loving farewell than a banishment.

❓ Q9: How much does a Karmic Debt Ritual or Spiritual Cleansing cost?

The cost depends on the depth of the karmic debt. Our program is tiered to gain effectiveness: the 7-Day Intensive Liberation is for persistent issues, the 21-Day Profound Liberation is for deep, long-standing attachments, and the 49-Day Ultimate Liberation is for the most severe karmic burdens. This multi-tiered approach makes you only pay for the intensity required to achieve complete resolution.

🪷 Still Unsure? We’re Here to Support You

If you have questions or would like personal guidance, feel free to reach out:
📧 Email us at support@thegeniushub.ca

Begin your karmic liberation ritual with guidance and peace.

🌟 Start Your Personalized Karmic Liberation Ritual Today

All rituals are performed remotely with deep care and privacy. Start below.


🔒 “All data submitted is kept private and used solely for ritual personalization.”

You don’t need to carry invisible burdens anymore. Through sincere intention, chanting, and wisdom, we can help resolve karmic ties with compassion.

🪷 How to Prevent Karmic Creditors from Forming

Resolving karmic entanglements through Karmic Creditors Liberation Rituals is powerful, but even more important is preventing new karmic debts from forming. Here are compassionate practices based on Buddhist wisdom to help reduce the likelihood of creating new karmic creditors (Yuanqin Zhaizhu) in your daily life:

🚫 1. Avoid Harming Others — In Action, Speech, and Thought

Karmic debts aren’t formed only through physical harm. Verbal abuse, betrayal, manipulation, or even harsh thoughts can plant karmic seeds.

  • Speak gently and avoid gossip or insults

  • Don’t deceive or emotionally manipulate others

  • Practice empathy, kindness, and patience daily

Even small harms can leave unresolved energy if not acknowledged or repented.

🐾 2. Refrain from Killing — Especially Insects and Small Creatures

Every being values its life, even insects. Unintentional or casual killing, like stepping on bugs or swatting mosquitoes, can create subtle karmic ties.

  • Avoid killing when possible; gently remove insects instead

  • Be mindful when cleaning or walking outdoors

  • Develop respect for all life forms, not just humans

As stories show, even small beings may hold karmic memory.

🥩 3. If You Eat Meat, Choose Only “Three Pure Meats”

Buddhist teachings advise against consuming meat that involves direct killing:

The Three Pure Meats are:

  • Meat not killed specifically for you

  • Meat you did not see being killed

  • Meat you did not hear being killed

Please avoid:

  • Ordering live-killed seafood or poultry

  • Participating in “slaughter rituals” on birthdays or holidays

  • Killing animals as “sacrifices” for blessings

Choosing with compassion helps prevent future karmic bonds.

📅🕯️ 4. Be Especially Mindful on Birthdays and Memorial Days

Some people celebrate birthdays or ancestral rites with live animal offerings or slaughter. While well-meaning, this creates fresh karmic harm.

  • Offer fruits, flowers, or incense instead of meat

  • Dedicate blessings, not blood, to ancestors

  • Light a lamp or chant a sutra as a gift of peace

Kindness on special days creates auspicious karma for the future.

🤲 5. Accumulate Merit Through Kindness and Compassion

When you generate compassion, chant Buddha’s name, or dedicate merits to sentient beings, karmic creditors can feel your sincerity and may willingly let go.

  • Recite Amitabha Buddha’s name or the Great Compassion Mantra

  • Offer food or water to animals without harming them

  • Sponsor a liberation ritual or dedicate your practice to unseen beings

Even one sincere act of kindness can ripple across lifetimes.

🌿 Final Thought:

The best karmic cleansing is the one we never need to do — by not creating harm in the first place.

But for unresolved entanglements, our Karmic Creditors Liberation Ritual offers a respectful, compassionate resolution.

📩 Need Guidance?

If you’re unsure whether certain actions in your life may have created karmic ties, we’re here to help — judgment-free.

Email us anytime at support@thegeniushub.ca

We walk this path with you.

🕊 Begin Your Liberation Journey Today

When suffering feels endless, the first step toward peace is courage — the willingness to let go of what binds you.
Join us in this sacred process of karmic release and renewal.

🧘 Explore All Pure Land Services

Begin your spiritual journey with the Pure Land ritual most aligned with your path. Each service is rooted in profound Buddhist wisdom and designed to bring peace and liberation.

📞 Contact Us

📧 Email: support@thegeniushub.ca

🌐 Website: https://thegeniushub.ca

📬 Contact Form: Click here

🌏 Languages: English | 中文

📍 Location: Burnaby, BC, Canada

🕐 Business Hours:
Mon – Fri: 10:00 AM – 6:00 PM PST
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