每个人出生时，都已向天库借下「受生钱」；累世行走人间，也难免结下各种「阴债」。 这些债不催不讨，却会不动声色地，反映在你的运势、财库、感情与身体上。 關理錢莊用传统排盘方式，为您请示、核对、排定专属的还债明细。 Everyone is born already owing a "Life Debt" (Shou Sheng Zhai) to the Heavenly Treasury; across many lifetimes, we also accumulate various "Yin Debts". No one comes knocking to collect — yet these debts quietly show up in your luck, your finances, your relationships and your health. Guan Li Qian Zhuang uses traditional divination to consult, verify and draw up your personal repayment plan.
很多信众来找我们时，都说不清楚问题出在哪，只觉得「怎么做都卡住」。 如果以下情况你中了三个以上，很可能是累世的受生债、阴债在牵绊着你。 Many devotees come to us unable to pinpoint the problem — they just feel stuck no matter what they do. If three or more of the following sound familiar, your Life Debt or Yin Debts may be holding you back.
赚得再多也存不下，钱财总有莫名去处，投资屡屡受挫。No matter how much you earn, it slips away for no clear reason, and investments keep falling through.
好事将成又生变，努力却总差临门一脚，感觉背后有股力量在拉扯。Good things fall apart right before they happen. You work hard yet always fall just short, as if something invisible keeps pulling you back.
总遇不对的人，或亲密关系反复受伤，家庭婚姻不平静。You keep meeting the wrong people, or get hurt again and again in close relationships. Marriage and family life feel unsettled.
睡不安稳、容易疲惫，甚至梦见已故亲人或陌生身影求助。Restless sleep, constant fatigue — sometimes even dreams of deceased relatives or unfamiliar figures asking for help.
付出与回报不成比例，小人多、贵人少，升迁总差一步。Effort and reward don't match up — more obstacles than allies, and promotions always just out of reach.
家中气氛压抑，成员健康或情绪状况反复，怎么调整都不见起色。A heavy atmosphere at home, with family members' health or moods fluctuating no matter what you try.
民间说法把这些现象归纳成四大类，供您自我检视参考，不是诊断结论。 Folk tradition groups these signs into four categories for self-reflection — this is a reference, not a diagnosis.
民间常把「阴债」当大伞概念，關理錢莊的排盘依序处理这三部分：先还今生的过失，再请示天曹地府的公家债，最后逐项化解累世的人情因果。"Yin Debt" is often used as an umbrella term. Guan Li Qian Zhuang's reading works through all three in order: first this life's conduct, then the official debts owed to the Heavenly and Underworld courts, and finally the karmic debts accumulated across lifetimes.
整个仪式的第一步：净身立愿、省察八项今生言行（孝道、杀生、口业、邪淫、仗势、敬神、祭祖、行善）， 分四轮诵念忏悔文并行三拜或三叩首，再打杯请示是否圆满。这一步不涉及金钱， 是先面对自己的行为，才能再谈化解阴债。 The very first step of the ceremony: purification, a vow, and reflection on eight areas of conduct in this life (filial duty, taking life, speech, indulgence, abuse of power, respect for the divine, ancestor worship and generosity). You recite four rounds of repentance and bow, then cast jiaobei to confirm it's complete. No money is involved — you face your own conduct first, before resolving anything else.
现实中能还的钱、能道歉的人、能补偿的伤害，仪式之后仍要实际去做。Any real-world debts, apologies or amends still need to be made in real life, after the ceremony.
道教《太上老君说五斗金章受生经》《灵宝天尊说禄库受生经》说，每个人投胎转世前， 都已向天曹地府借了一笔「受生钱」：按出生年天干、地支各有本命钱与欠库数目， 另按现龄计算利息。系统打杯请示是否需还，圣杯即计入这笔债。 According to the Taoist Life Sutras, everyone borrows a sum of "Life Money" from the Heavenly and Underworld courts before being reborn — the base amount depends on your birth year's heavenly stem and earthly branch, plus interest calculated on your current age. The system casts jiaobei to confirm whether it's owed — a sheng bei means it's included.
换算方式：每一万贯 RM 99，不足一万以一万计算。Conversion: RM 99 per 10,000 strings of cash, rounded up to the nearest 10,000.
官债与受生债、阴债各自分开。系统先打杯请示是否有欠，圣杯后再逐一请示冥司第一殿到第十殿阎王、 地府杂费（转生相关费用），共 11 个对象，欠的话开牌定份数、打杯确认；问完后再请示官债整体是否圆满， 不圆满就加份补款，直到圆满为止。圆满确认后，系统会直接把「城隍和土地所需过路费和手续费」这笔 固定金额加进总额，不用再打杯请示。 Court Debt is separate from Life Debt and Yin Debt. The system casts jiaobei to confirm whether any is owed, then asks through the Ten Kings of the Underworld and Underworld sundry fees (reincarnation-related costs) — 11 items in total — drawing a card to set the amount for each one confirmed owed. Once all 11 are asked, it confirms whether the whole Court Debt is settled, topping up if not, until it is. Once settled, a fixed toll and processing fee to the City God and Land God is automatically added to the total — no further jiaobei needed for that part.
换算方式：第一殿至第十殿每份 RM 99，地府杂费与圆满补款每份 RM 20，圆满后再固定加 RM 198（城隍与土地）。Conversion: RM 99 per portion for the Ten Kings, RM 20 per portion for sundry fees and any top-up, plus a fixed RM 198 (City God & Land God) added once settled.
这是今生或累世，因言行举止对生命、财物、感情或灵界因缘所造成的亏欠—— 不一定是「做坏事」，也可能是无心之失、身不由己的抉择，日积月累便成了牵绊你的债。 须透过请示与打杯，才能确认具体是哪一笔、欠谁、欠多少。 These are debts accumulated — in this life or past ones — through actions that affected life, property, relationships or spiritual ties. They're not always the result of "doing something wrong"; often they come from unintentional mistakes or choices made under pressure. They can only be identified through divination and jiaobei confirmation — which one, owed to whom, and how much.
我们不会替你「认定」你做过什么，而是如实请示，让掷筊结果说话。We never assume what you may have done — we simply ask, and let the jiaobei result speak.
杀生、伤害生命、危害众生相关的亏欠Debts related to killing, harming life, or endangering other beings
欺骗、失信、侵占财物相关的亏欠Debts related to deception, broken trust, or taking what isn't yours
感情、婚姻关系中的伤害与亏欠Debts from hurt caused within relationships and marriage
民俗信仰中未解的因缘与心结Unresolved ties and knots from folk-belief spiritual affinities
受生债的说法出自这两部道教经典，白话译文在前，方便阅读；文言原文附于其后，供有兴趣深入的信众对照参考。The Life Debt tradition comes from these two Taoist scriptures. The plain-language translation is shown first for easy reading, with the classical original below for those who wish to go deeper.
那时，太上老君在太清仙境、大赤天中的黄金殿内，召集五方五老帝君，以及东方斗宿掌管注定寿算的星君、南方斗宿掌管延生的星君、西方斗宿掌管记名的星君、北方斗宿掌管生死的星君、中央斗宿总管监察的星君，还有九天生神君、九天注生君、九天注禄君等诸位神圣，一同来到法会，恭敬叩首礼拜，长跪在道前，专心聆听老君宣说法义。
太上老君说：天地未分之时，元气布满十方，化生天地，阳气化为男子，阴气化为女子，于是有了人伦众生。既有众生，便有前世命运与因缘的差别：有善有恶、有寿有夭、有贵有贱、有富有贫。善恶的报应，就像影子跟随身体，行善便有善报，作恶便有恶果，一切因缘果报，都取决于自己积下的福德与业行。
人虽出生在人间，命籍却归上天掌管，各自禀受五行正气，分别受到五斗星君的管理。天干属甲、乙的人，由东斗掌管；属丙、丁的人，由南斗掌管；属戊、己的人，由中斗掌管；属庚、辛的人，由西斗掌管；属壬、癸的人，由北斗掌管。若人在世尊崇大道、孝顺父母、不嫉不贪、持守斋戒、广结善缘，便能世世不失人身，富贵聪明。
太上老君接着宣说东、南、中、西、北五方金章灵符真文神咒，分别镇守人的肝、心、脾、肺、肾五脏，若脏腑有病，可依法书符、焚化服下，即可痊愈。
老君又说：人在出生的时候，曾在天曹地府许下本命钱愿——天干属甲、乙的人，曾许本命银钱九万贯；属丙、丁的人，三万贯；属戊、己的人，十二万贯；属庚、辛的人，七万贯；属壬、癸的人，五万贯。若有善信男女愿善根不断、世世为人，便应举行醮仪，奉送本命钱；此外，十二种本命也分别对应十二座命库，由十二位库神掌管，若能在本命日依仪焚烧纸钱、偿还所欠本命钱，便能现世安乐、出入顺利，去世后也不失人身，来世富贵长寿。
若福分浅薄、无力举行醮仪，也可以在本命日延请道士诵持《五斗金章宝经》，或自行诵读，每诵一遍即可抵偿本命钱一万贯；并至诚持念「托化受生天尊」圣号，将来便能连续三世得男子之身，五体端正，遇见大道。
众神听完老君宣说这部真经，皆心生欢喜，礼谢玄元，各愿受持奉行。
爾時，太上老君在太清境上、大赤天中、黃金殿內，召五老帝君及東斗注筭君、南斗上生君、西斗記名君、北斗落死君、中斗總監君、九天生神君、九天注生君、九天注祿君、九天掌籍掌算君、九天財庫祿庫君、九天消災散禍君、九天聖母九天太一元君、九天監生大神、北斗七元星君、南斗六司星君、本命元辰建生星斗君，各隨本部功曹靈官、金童玉女無量聖眾，一時同會，稽首禮拜，燒香散花，步虛旋繞，長跪道前，諦聽法言。
太上老君廣宣要妙，告示五方五老一切聖眾曰：吾昔於混沌之中，天地未分，元化體一，布氣十方，成就萬象，生天生地，負陰抱陽，陽氣上升，化生諸天，陰氣下降，化生諸地，陽之餘氣化為男子，陰之餘氣化為女人，陰陽二氣，混合自然，生生化化，乃有人倫。既有人倫，宿命因緣，有善有惡，有長有短，有貴有賤，有富有貧，善惡之報，如影逐形，如響應聲，作善善應，作惡惡成，種蘭得香，種粟得糧，為善降祥，為惡降殃，一切因緣，皆由福業。且人生下土，命係上天，人之生也，頂天履地，有陰有陽，各有五行正氣，各有五斗所管，本命元辰，十二相屬，且甲乙生人東斗注生，丙丁生人南斗注生，戊己生人中斗注生，庚辛生人西斗注生，壬癸生人北斗注生。
若人在世之日，心崇大道，供養天尊，孝順父母，和同六親，不嫉不妬，不貪不婬，或持齋戒，或作善緣……如是齋戒，若有善男子善女人受持之者，名係天人，世世生生，不失人身，富貴聰明，人中殊勝，五體具足，十相端嚴。
當生之時，天曹地府願許本命錢，且甲乙生人，命屬東斗九氣，為人受生之時，曾許本命銀錢九萬貫文；丙丁生人，命屬南斗三氣，曾許本命銀錢三萬貫文；戊己生人，命屬中斗一十二氣，曾許本命銀錢一十二萬貫文；庚辛生人，命屬西斗七氣，曾許本命銀錢七萬貫文；壬癸生人，命屬北斗五氣，曾許本命銀錢五萬貫文。若有善信男女，種諸善根，善根不斷，世世為人，當須醮送五本命錢，天曹地府各有明文，十二本命，十二庫神。
稽首真元無上尊，一心信奉不思議。如斯妙法未曾聞，今日今時盡得之。能為黑暗開光明，能為疾病作良醫。妙哉神咒五靈符，誓願歸依各受持。
天尊说道：十方世界的一切众生，其性命归天曹掌管，身体则受地府管辖。当他们即将投生为人的时候，都曾向地府所属的阴间官署借取禄库中的「受生钱财」。冥司随后将其所得的财富记入禄籍，使他们投生人间以后能够享受相应的财富和地位。至于那些生活贫困、地位卑微的人，是因为他们从过去一劫到另一劫，一直拖欠冥司的债务，以致福禄受到削减。因此，世人才会有尊贵与卑贱、富裕与贫穷、痛苦与快乐等种种差别。
一个人在世时，如果敬奉道、经、师三宝，乐于帮助别人、布施财物、设斋诵经，广行各种善事，又能依教诵念此经、焚化钱财、偿还禄库受生钱，那么他在三次转生之中，都能够获得男子之身，死后不必经过地狱，便可以再次投生为人。反之，若吝啬贪婪、不信经法、欠债不还，死后便会堕入地狱，经过漫长劫数以后才能投生为禽兽，即使重新得人身，也会贫穷卑贱。
真人请问天尊：人投生之时，究竟是向哪一座冥曹禄库借取受生钱，在人世间又应当把钱偿还给哪一座库？天尊说：人一出生，便按照十二地支所代表的出生年份，分别隶属于十二座宫曹，每一宫都有相应的曹官，负责掌管禄库——
属鼠（子年）欠一万三千贯，属第一库，曹官姓李；属牛（丑年）欠二十八万贯，属第二库，曹官姓田；属虎（寅年）欠八万贯，属第三库，曹官姓雷；属兔（卯年）欠八万贯，属第四库，曹官姓柳；属龙（辰年）欠五万贯，属第五库，曹官姓袁；属蛇（巳年）欠七万贯，属第六库，曹官姓纪；属马（午年）欠二十六万贯，属第七库，曹官姓许；属羊（未年）欠十万贯，属第八库，曹官姓朱；属猴（申年）欠四万贯，属第九库，曹官姓车；属鸡（酉年）欠五万贯，属第十库，曹官姓郑；属狗（戌年）欠二万五千贯，属第十一库，曹官姓成；属猪（亥年）欠九千贯，属第十二库，曹官姓亢。
天尊又说：十二宫库官各自负责记录相应属相之人所欠的受生钱；众生投生为人时，也曾答应向所属的本命元辰奉献一定的钱财——子年人本命元辰刘文真，许钱七千贯；丑年人孟候，许钱九千贯；寅年人锺元，许钱六千贯；卯年人郝元，许钱一万贯；辰年人李文亮，许钱五千四百贯；巳年人曹交，许钱一千贯；午年人张巳，许钱九千贯；未年人孙恭，许钱四千贯；申年人杜准，许钱八千贯；酉年人田交佑，许钱五千贯；戌年人崔渐进，许钱五千贯；亥年人王爽，许钱六千贯。
天尊最后告诫：若众生不相信这些前世因缘，反而继续造作恶业，死后便会堕入九泉之下——因此需将此中因缘详细说明，众生才能明白生死之间为何会有苦乐不同的果报。
天尊言：十方一切众生，命属天曹，身击地府，当得人身之日，曾于地府所属冥司，借贷禄库受生钱财。方以禄簿注财，为人富贵。其有贫贱者，为从劫至劫，负欠冥司夺禄，在世穷乏，皆冥官所克，阳禄填于阴债。是使贵贱贫富，苦乐不同，汝当省知。
天尊言：若在生钦敬三宝，方便布施，设斋诵经，行种种善缘，及依吾教诵念此经，烧还禄库受生钱者，得三生为男子身。若复死亡，不经地狱，再复人身。若复有人在世悭贪愚痴，不信经法，负债不还……致使罪簿注名，天曹减算，及负欠冥司受生钱财，在世不还，更相诳妄，死入地狱，万劫方生畜兽身，轮转果报。
天尊曰：人之生身，便有十二年直宫分，各有曹典，主掌禄库。子生人，欠钱一万三千贯，属第一库，曹官姓李。丑生人，欠钱二十八万贯，属第二库，曹官姓田。寅生人，欠钱八万贯，属第三库，曹官姓雷。卯生人，欠钱八万贯，属第四库，曹官姓柳。辰生人，欠钱五万贯，属第五库，曹官姓袁。巳生人，欠钱七万贯，属第六库，曹官姓纪。午生人，欠钱二十六万贯，属第七库，曹官姓许。未生人，欠钱十万贯，属第八库，曹官姓朱。申生人，欠钱四万贯，属第九库，曹官姓车。酉生人，欠钱五万贯，属第十库，曹官姓郑。戌生人，欠钱二万五千贯，属第十一库，曹官姓成。亥生人，欠钱九千贯，属第十二库，曹官姓亢。
若有众生不信前缘，返生恶业者，一堕九泉，若不具陈，故有生死苦乐之报。
受生库补满，象征今生的根基被重新稳住，运势不再无端流失。A full Life Treasury symbolizes a stable foundation for this life — your luck stops leaking away for no reason.
了结财物相关的亏欠，减少「赚多存少」的破财感，财运更容易留住。Settling property-related debts eases the "earn a lot, keep little" feeling, making it easier for money to stay.
化解情缘感情债，减少反复受伤或纠缠不清的关系困扰。Resolving relationship debts reduces repeated heartbreak and tangled, unclear relationships.
不必再花力气对抗看不见的牵绊，专注向前，阻力自然变小。No more fighting invisible resistance — focus forward, and obstacles naturally ease.
许多信众反馈，还完债后睡眠改善、心情更踏实，少了莫名的焦虑感。Many devotees report better sleep and a steadier mood after settling their debts, with less unexplained anxiety.
也为在世与已故的家人还债，等同为整个家庭祈福补运。You can also settle debts on behalf of living and deceased family — a blessing for the whole household.
全程在线请示，透明记录，最后由师父跟进安排。Everything is consulted online with a transparent record, and the Master follows up personally at the end.
出生日期、时辰（如知道）、地址，系统对照受生经算出受生债参考金额；再填写父母、爷爷奶奶、外公外婆、配偶、岳父或公公、岳母或婆婆、兄弟姐妹的姓名与状态（不知道／没有／健在／已往生），方便之后问出准确的还债对象。Birth date, time (if known) and address — the system checks the Life Sutra table for a reference Life Debt amount. You'll also enter your parents', grandparents', spouse's, in-laws' and siblings' names and status (unknown / none / living / deceased), so later steps can ask about the exact right person.
净手整衣、静心深呼吸，暂时放下求财求运的念头；接着默念祈请文，掷筊请示，连续打到 3 个圣杯即代表司公已到、可以开始排盘。Wash your hands, settle your clothing and mind, and set aside thoughts of wealth or luck for a moment. Then silently recite the invocation and cast the jiaobei — three sheng bei in a row confirm the Officiant has arrived and the reading can begin.
省察八项今生言行，分四轮诵念忏悔文并行三拜或三叩首，再打杯请示是否圆满；不圆满就再加拜，直到圆满为止。此步骤不涉及金钱。Reflect on eight areas of this-life conduct, recite four rounds of repentance with bows, then confirm completion by jiaobei — bowing further if needed, until it's confirmed complete. No money is involved in this step.
打杯请示是否需还受生债，圣杯即计入；接着请示是否欠官债（冥司十殿阎王／地府杂费，共 11 个对象），圣杯的话再逐一请示欠多少，开牌定份数、打杯确认，问完后再请示官债整体是否圆满；圆满后再直接加上「城隍与土地」固定金额。Jiaobei confirms whether Life Debt is owed — a sheng bei means it's included. Then it asks whether Court Debt is owed (11 items: the Ten Kings and sundry fees); if so, each is asked in turn, with a card draw setting the amount, before a final check on whether Court Debt is settled — after which a fixed City God & Land God fee is automatically added.
依序请示要还哪个阴债、为谁还、债主是否愿意让还、还多少份、还多少次，每一步都以圣杯确认。In turn you'll ask which Yin Debt, on whose behalf, whether the creditor consents, how many portions and how many times — each answer confirmed by a sheng bei.
若尚未圆满，系统会再抽牌请示下一笔，直到打到圣杯确认圆满为止。If not yet complete, the system draws again for the next debt — repeating until a sheng bei confirms everything is settled.
受生债（如有）＋ 官债（如有）＋ 各项阴债汇总成总金额，一键发送到 WhatsApp，由师父跟进安排还债事宜。Your Life Debt (if any), Court Debt (if any) and all Yin Debts are totalled up — send it to WhatsApp with one tap, and the Master will follow up to arrange the ceremony.
受生债与出生年份、现龄直接对应，人人都有一个参考金额，但是否真的须还，要打杯请示确认才计入；官债（冥司十殿阎王／地府杂费，共 11 个对象）也一样，先打杯请示是否有欠，有的话才逐一确认份数，最后再请示整体是否圆满——圆满后会再直接加上「城隍与土地」固定金额。不是每个人这两项都会有，一切以打杯结果为准。Life Debt has a reference amount tied to your birth year and current age for everyone, but whether it's actually owed must be confirmed by jiaobei before it's included. Court Debt (11 items: the Ten Kings and sundry fees) works the same way — jiaobei first confirms whether any is owed, then each is checked individually, with a final check on whether the total is settled — after which a fixed City God & Land God fee is automatically added. Not everyone will have both — the jiaobei result decides.
这是整个仪式的第一步，在恭请阴阳司公之后、受生债之前进行：净身立愿、省察八项今生言行（孝道、杀生、口业、邪淫、仗势、敬神、祭祖、行善），分四轮诵念忏悔文并行三拜或三叩首，最后打杯请示是否圆满。不涉及金钱，用意是让信众先诚心面对自己今生的言行，才继续处理受生债与官债、阴债。年长、怀孕、受伤或行动不便者，叩首可改为站立、鞠躬、合掌或默念。This is the very first step of the ceremony, right after inviting the Officiant and before Life Debt: purification and a vow, reflection on eight areas of this-life conduct, four rounds of repentance recited with bows, and a final jiaobei check for completion. No money is involved — the point is to sincerely face your own conduct in this life before moving on to Life Debt, Court Debt and Yin Debt. Those who are elderly, pregnant, injured or have limited mobility may stand, bow or recite silently instead of kneeling.
每一项（受生债、官债、阴债类别、为谁还、债主是否愿意让还、份数、次数、是否圆满）都必须透过掷筊打到圣杯才会确认，所有过程与结果都会被记录下来，您可以在总结页查看完整的打卦记录。Every item — Life Debt, Court Debt, the Yin Debt category, who it's for, the creditor's consent, the portions, the repetitions and whether it's complete — must be confirmed by a sheng bei through jiaobei divination. The entire process is recorded, and you can view the full log on the summary page.
可以。第一步会请您填写父母、爷爷奶奶、外公外婆、配偶、岳父或公公、岳母或婆婆、兄弟姐妹的姓名与状态（不知道／没有／健在／已往生），「为谁还」就会用这些资料问出准确的对象（例如「已故父亲」），并依姓氏推算「本门历代祖先」与「其他历代祖先」，也包含其他已故亲人、无缘子女、无缘兄弟姐妹。Yes. In step one you'll enter the names and status (unknown / none / living / deceased) of your parents, grandparents, spouse, in-laws and siblings. The "on whose behalf" step then asks about these exact people (e.g. "your late father"), and also works out "ancestors of your surname" and "ancestors of related surnames", plus other deceased relatives and children or siblings who passed before their time.
先还阳世罪业债不涉及金钱；受生债（若打杯确认需还）依出生年天干地支加上现龄利息计算（每一万贯 RM 99）；官债（若打杯确认有欠）先按各自费率计算第一殿至第十殿（每份 RM 99）、地府杂费与圆满补款（每份 RM 20），圆满后再固定加 RM 198（城隍与土地过路费和手续费）；阴债则依打杯确认的份数与次数计算（每份 RM 20）。系统会自动加总，实际法事安排费用请与师父在 WhatsApp 上确认。This-Life Debt involves no money. Life Debt (if confirmed owed by jiaobei) is calculated from your birth year's heavenly stem and earthly branch plus interest on your current age (RM 99 per 10,000 strings of cash). Court Debt (if confirmed owed) is calculated per item: RM 99 per portion for the Ten Kings, RM 20 per portion for sundry fees or any top-up, plus a fixed RM 198 toll and processing fee to the City God & Land God added once settled. Yin Debts are calculated from the confirmed portions and repetitions (RM 20 per portion). The system totals everything automatically — please confirm the actual ceremony cost with the Master on WhatsApp.
总结页会有「发送到 WhatsApp」按钮，一键把您的还债明细传给關理錢莊，师父会与您核对内容，并安排后续的还债法事时间与方式。The summary page has a "Send to WhatsApp" button — one tap sends your full repayment details to Guan Li Qian Zhuang. The Master will confirm the details with you and arrange the timing and format of the ceremony.
民间说法常把「阴债」当作大伞概念，可归为三大类：「官债」（受生债、冥司十殿阎王、城隍与土地、地府杂费，属天曹地府的公家债务）、 「因果承负债」（累世对众生、财物、感情、灵界因缘的亏欠，也就是本站排盘所用的四大类 123 项）、 「阳世罪业债」（今生身口意的过失，透过先还阳世罪业债的忏悔叩拜处理，不涉及金钱）。 此外坊间也有「仙家债」（向五通神、外灵等非正统信仰借运立契）与「业债」（佛教因果业力观念）的说法，与以上三者对象、依据都不同，常被混用。 關理錢莊的排盘依序处理官债、因果承负债与阳世罪业债这三部分，都以掷筊逐项请示确认，不涉及仙家债的解契、送灵等科仪，也不做佛教业债的功德法会。 Folk tradition often uses "Yin Debt" as an umbrella term covering three main categories: Court Debt (Life Debt, the Ten Kings, City God & Land God, and sundry fees — the official debts owed to the Heavenly and Underworld courts), Karmic Debt (debts accumulated across lifetimes toward other beings, property, relationships and spiritual ties — the 123-item, four-category system used in our reading), and This-Life Debt (conduct in this life, handled through the repentance-and-bowing step, with no money involved). Folk usage also sometimes lumps in Spirit Debt (informal pacts with non-orthodox deities or spirits) and Buddhist Karmic Debt, which have different creditors and sources again and are often mixed up casually. Guan Li Qian Zhuang's reading covers Court Debt, Karmic Debt and This-Life Debt, each confirmed step-by-step through jiaobei — it does not perform Spirit Debt pact-breaking or Buddhist merit ceremonies.
我们理解還陰債的说法在民间版本很多，也确实存在以恐吓（例如说不还就会生病、破财、家人受灾）逼迫立即高额付费的做法，这点请多留意、保持理性。 關理錢莊的做法是：每一笔债的类别、对象、份数、次数都要掷筊打到圣杯才算数，过程全程记录、可在总结页查看；金额也是排盘完成后才知道，不会预先开价或催促付款。 若您涉及真实的健康、法律、财务或人身安全问题，也建议优先寻求专业协助，民俗仪式并不能替代这些现实处理。 We understand there are many versions of this tradition circulating online, and unfortunately some operators do use fear tactics — claiming illness, financial loss or family misfortune — to pressure people into paying large sums immediately. Please stay cautious of that. Our approach: every debt's category, creditor, portions and repetitions must be confirmed by a sheng bei through jiaobei — the whole process is logged and viewable on the summary page, and the amount is only known after the reading is complete, with no upfront pricing or pressure to pay. If real health, legal, financial or safety issues are involved, please seek qualified professional help first — ritual is not a substitute.
排盘只需要几分钟，全程保密。排定后，關理錢莊的师父会一对一跟进，陪您把该还的债，一笔一笔，安心还清。 Your reading takes just a few minutes, fully confidential. Once it's done, the Master at Guan Li Qian Zhuang will follow up with you personally, guiding you through settling each debt with peace of mind.