Debt Problem

Debt, loans and such money matters are seen from sixth house in a horoscope.
6th is a malefic house in a horoscope. Location of a planet in the sixth house is considered a bad placement. Similarly, placement of 6th house lord in any other auspicious house is considered bad for the house. The only good placement for 6th lord is in one of the dusthana houses that cause veepareeta raja yoga. Association of 6th house and its lord with malefics results in Harsha yoga.
As 6th house is a dusthana, it needs to be weaker in the chart for good results. Hence a strong 6th house will lead to debts and loans. An exalted 6th lord, in a good position in horoscope, vargottama, etc. are all such indications of a strong planet.
Such a planet should not be associated with 11th and 2nd house in the kundali at all, because it does not allow for wealth accumulation due to loans. The entire money that a person earns goes in servicing these loans. These are daridra or nirdhana (i.e. poverty) yogas, described in this blog in the appropriate blog post.
The main problem that the current society has is that well earning members of the society take huge loans and are not able to repay the loans. 6th house indicates loans, but then it does not govern other money matters in astrology, especially expenses (governed by 12th house in the horoscope) and the ability to make and accumulate money (11th and 2nd house in the kundali). 6th and 12th house lord in a horoscope should not be stronger than 2nd and 11th houses and should not be associated with them.
Debt/loans by itself are not a problem. The problems we have with not controlling expenses and taking too much loan is the real problem.  If 6th house/lord is strong in the horoscope, and other dhana yoga elements are also strong, then the person is fully capable of paying off the loans. We are just talking about debt in this case, not really bankruptcy that will be linked with the daridra yogas.
A native is afflicted by debt of the father when a planet is in the 9th house and Mercury is situated in the sign of that planet. Thus Mercury is responsible for creating this type of debt. Let’s discuss various kinds of debts that are formed in Lal kitab. 
Debt of the father
When Jupiter is not in the pakka houses i.e. 2nd, 5th, 9th or 12th and is situated either in the 3rd, 6th, 7th, 8th or 10th house and the pakka house of Jupiter is taken up by Mercury, Venus, Rahu or Ketu then a native may be afflicted with the debt of the father.
Debt of the mother
A native is afflicted with the debt of the mother when the Moon is situated in any other house except the 2nd and 4th house or if Ketu is placed in the 4th house of his kundli. Especially if Moon is in the 3rd, 6th, 8th, 10th, 11th or 12th house of a kundli.
Debt of the spouse
When Venus is in the 3rd, 4th, 5th, 6th, 9th, 10th or 11th house, Sun, Moon or Rahu is situated in the 2nd or 7th house of a kundli then a native is afflicted with debt of the spouse.  
Debt of the sibling
A native is afflicted by the debt of the sibling if Mercury is in the 1st, 2nd, 4th, 5th, 8th, 10th or 11th and Moon is in the 3rd or 6th house of the kundli.
Debt of the relatives
If Mars is in the 2nd, 4th, 5th, 6th, 9th, 11th or 12 house and Mercury or Ketu is situated in the 8th house of a kundli then  native may be afflicted with the debt of relatives.
Debt of the clan
A native had to pay debt to his clan if Sun is in any other house except 1st, 5th or 11th and Venus, Saturn, Rahu or Ketu is in the 5th house of his kundli.
Atrocity debt 
A person has to pay debt of atrocity when Saturn is in the 1st, 2nd, 5th, 6th, 8th, 9th or 12th house and Sun, Moon or Mars is in the 10th or 12th house of his kundli. 
Debt of the unborn
When a kundli has Rahu in other houses except the 6th, 12th or 3rd and the 12th house contains either Sun, Mars or Venus then a native has to clear debt of the unborn.
Spiritual debt
When Ketu is situated in other house except 2nd, 6th or 9th house and Moon or Mars is stationed in the 6th house of the kundli then a native had a spiritual debt.
If debts of the second situation have Mercury in the 9th house then the afflicted father debt is transferred in the kundli of the native. These two types of debts have different ways of prediction. 
Debts made by Mercury are as follows,
When a kundli has Sun in the 9th house and Mercury in Leo sign.
Moon in the 9th house and Mercury in Cancer sign.
Mars in the 9th house and Mercury is stationed either in the Aries or Taurus sign.
When Jupiter is in the 9th house and Mercury is in Sagittarius or Pisces sign.
When 9th house is occupied by Venus and Mercury is in both Taurus and Libra sign.
Saturn is in the 9th house and both Capricorn and Aquarius have Mercury.
When 9th house is stationed by Rahu and Mercury is in the Pisces sign.
Ketu is in the 9th house and Mercury is situated in the Virgo sign.
Prediction for debt of father
1. If a native is afflicted with the debt of the first category i.e. father and mother debt then he may face lack of love, desolation and rejection from his parents which means that he will be devoid of happiness from this debt.
2. Debts that are formed by Mercury cause problem in the life of the afflicted native for which he had to face failure in his attempts. He might face financial crisis and other difficulties even if he has a Rajyoga in his kundli. 
Remedies of the debt of the father
Debt of the father casts its impact on each and every family member of the native. That’s why remedies should be performed by collecting equal sum of money from every family member. The remedy should be performed for 40 to 43 weeks. In this circumstance the native had to follow remedies of 2 planets at a time. One is the afflicted planet and the other one is the sign of the afflicted planet which is being afflicted by the malefic planet.
Remedy of one planet is to be performed for 40 to 43 weeks after having completed one. After performing a remedial process the native should maintain a peaceful domestic life and begin another remedial procedure. The native will get sure result by religiously performing the remedies of the planets.
Every planets have separate remedial process that are discussed as follows,
If the debt of the father is of Sun then equal amount of money has to be collected from every family member of the native and a yajna is to be performed in a temple. In this way Sun dosha can be calm down.
If the debt of the father is of Moon then equal amount of silver is to be taken from all the family members and need to be thrown in flowing water.
If a native is afflicted with debt of father by Mars then all the family members of the native need to collect same amount of money and organize a free medical camp. 
If a native is afflicted with debt of the father by Mercury then with his family members he needs to burn yellow sea shells and throw the ashes in to flowing water.
If Jupiter results a native’s debt of father then he need to donate money along his family member in a temple.
If Venus is behind a native’s debt of father then he and his family member should give equal sum of money and feed fodder to 100 cows with that money. 
To know more about how you can come out of debt
Contact Astrologer Deepak Pahwa
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