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.
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.
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.
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.
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.
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.
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.
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.
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.
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.