Debt or sin accumulated by people in past lives or previous lives. The 18-volume Life in Debt Sutra is a Buddhist term, which refers to the debts or sins accumulated by a person in previous lives or past lives. According to the teachings of Buddhism, people's good and evil behaviors in past lives or past lives will affect their present and future lives. Through practice and repentance, people can reduce or pay off these debts, thus obtaining liberation and blessing. Eighteen volumes refer to a part of Buddhist scriptures. By reading and studying Buddhist scriptures, people can gain wisdom and guidance and help them reduce their debts.