Karmic debts refers to an obligation that is carried forward into a persons next lifetime.  In order for a person (or fragment) to rid himself from that baggage and become balanced, the person must pay off his karmic debts in someway during a physical life experience. 

Paying back those karmic debts can be programmed into a persons physical existence to help assure the debt gets paid.

If the debt does not get paid, the feelings of it as being a heavy “baggage” grows and accumulates. The person carries with them those negative and heavy feelings with each lifetime. Eventually the feeling wears away on a person more and more and more. The only way to remove this baggage and feeling is to pay off the debt.

The motivation to rid themselves of baggage is because eventually the soul gets tired of carrying the baggage and the additional burden of always carrying around negative energy that is draining, heavy, and very tiresome to a soul to can impede them from reaching their other goals.

Once the debt is paid, those negative burdensome feelings seem to magically evaporate and the person is restored and balanced.