Hmmmm, it's a little bit more complicated than that. What you are doing is effective to a certain extent. Every year, the specific group of debtors is different, if to explain in layman term, let's classify the Debtors into HR (High Risk), MR (Medium Risk), LR (Low Risk), and OL (Outlier - extremely rare but jialat if he comes that year)

So for example, if this year, your Debtors are HR1, HR2, HR3, MR1, LR1, then that year you will be jialat, also you need to couple with your luck that year. if you luck is good, then maybe still ok, if coincidently your luck also bad that year, then really jialat. So in this case, your chanting will probably work on the LR1 but not the rest. So how doest luck play a part in all this. Example HR1 + HR2 means one of the "Gate" you need to cross this year is an automobile accident. If your luck is good, then you might come out of this automobile accident with only a broken leg. If your luck is no good then maybe you get multiple fractures of all limbs, and your spine kena and got mobility issues. Worst case is can die.

So if another year, your Debtors are MR1, LR1, LR2, LR3. Then your prayers would be able to kow tim the debtors. Example MR1+LR2 means you will lose a certain amount of money this year (can be due to investment or kena scam or something that will cause you to come out with a bunch of monies which you never plan in your budget). So when you pray, the effect maybe left MR1 only, so the seriousness of the issue is reduce. So maybe instead of maybe roof leaking causing your whole house appliance rosak and wiring rosak, you only burn out your expensive TV and audio system.

There is a ritual that I do just before the beginning of the lunar year to pay off all the debtors (sorry, I cannot share with you). What this does it, example this year I have HR1,MR1, MR2, LR1, LR2, when the ritual is done, it lessens the severity to become MR1, LR1, LR2, LR3, LR 4.

There are also some rituals out there to boost your luck or borrow luck, I seriously Do Not recommend anyone to do this. Every person's total luck in life is predetermined and is scattered thru out your lifetime to where you need your luck the most. Example is, a person at age 42 will meet with an accident, the luck is distributed at that point so that he can survive the accident. If at 35 he go listen to some bomoh, crackpot sifu say can boost the luck or borrow luck, basically it means to  bring forward the luck from your future to use. So at 35 years old, that fella kena 4D jackpot...but then when he reach 42 years old, when he kena the accident, he was suppose to survive, but because he already use the luck, he end up passing away in that accident.

Today is Friday, so not much meeting line up today, I got time to write so long....tonight colleague ask to go eat Malahotpot...........I really love it but one of the things i hate is even if we put our jackets and all in the basket, we will still end up smelling like a walking hot pot after exiting the restaurant.