冤亲债主（独立牌位）Karmic Creditors (Individual Tablet) - Ksitigarbha

众生经无数劫轮回中结下恶缘。所伤害、亏欠、食过其肉的，令受痛苦等的，皆是冤亲债主。冤亲债主对修行、生活都有障碍：病苦、不顺、六亲不和等种种违缘。超度冤亲债主除了解怨解结，也愿其早日往生离苦。
Through countless eons of reincarnation and rebirth, sentient beings formed bad ties. Those we have hurt and owed, lives we have taken through consumption, and those whom we have caused sufferings are our karmic debtors.  Karmic debtors have great effect in both cultivation and our daily lives. Pain and sickness, obstacles in matter and discord are some examples of the effects from karmic debtors. To have transcendent for karmic debtors not only untie the karmic knots, but wishing the karmic debtor to be liberated from the sufferings from reincarnation.