If your soul were to revisit this world, and the karma creditor were to play a role in your next life, would you be willing to pay the bills?
No. - - - - "I went to the hillside, I went to pray. I know the angels have changed my name. They have changed my name for the judgment day Thank God that the angels have changed my name. " ("changed my name" lands on the G - C - G phrase ending cadence) (Tune abducted for the Protestant hymn "In Christ There Is No East Or West" - the usual karmic perfidy of organized religion - and arranged under that title by John Fahey - by rumor, in gratitude for council and friendship of an Episcopalian priest)
If you were a billionaire footballer, no problem. Women, kids/family without financial problems, being good at something... anyone would. Creditor right?