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There is incredible merit in chanting Buddha, and the reward of merit is particularly important. It's not bad to return to all sentient beings, but if you want to get rid of your karma and repent of your past karma, you must first return to your parents who were born in the past and your relatives and creditors who have disputes with you during the holidays. These sentient beings have the most karma with you, so they are the easiest to hinder you and pester you. You have an unshirkable obligation to them, so you should first save them and solve their problems. When the road to spiritual practice goes smoothly, we will make renewed efforts to repay the merits to all sentient beings and live in the pure land of western bliss, so that the speed of spiritual practice will be improved and the accumulated merits will be highlighted. The entanglement of enemy creditors is the result of both yin and yang; Bad fortune, bad career, disharmony between husband and wife, unfilial children, sleeping nightmares, intractable diseases and even common diseases, and many obstacles in practice are mostly due to complaining that relatives and creditors are not promoted and want to collect debts.

(Huíwén) Hui language

(Hands crossed) Disciple (real name) is willing to repay many unjust creditors of his disciples and relatives with the merits of reciting the Sakyamuni Sutra (or reciting the holy names of Buddha and Bodhisattva for two hours), and pray that Nanwu will be merciful as a teacher, surpass them, eliminate karma, get pleasure from suffering and die in pure land. Disciple (real name) sincerely asks for repentance. (Read it three times)

Note: This reply is specially designed for unjust creditors who have been partners with themselves and their relatives and friends for generations, and is not used for other replies.

Excerpt from the text of the Original Wishing Sutra of the Bodhisattva Dizang:

Then Guanyin Bodhisattva, if there are many people coming to the world and food and clothing are insufficient, those who seek it are good thoughts; Or many diseases; Or how fierce, the family is uneasy, and the family is scattered; Or sudden misfortune, more clear-headed; Between dreams, there are many fears. If you are waiting for someone, hear the name and see the shape of the hole, you will be the most respectful and read it ten thousand times. All unpleasant things are gradually eliminated, that is, happiness, adequate food and clothing, and even happiness in sleep. (Enlightenment from Buddha)