hi knightIII
our bad debts wont get cancel,but reduced
its a unexplained situation like e.g. you have planted a bad seeds
of like to stretch your leg over to make someone trip , your karmic
fruits ripen today
but the veneration of Buddha image creates the energy of goodness
which deter the fruits from ripen and reduce the impact , you just
tripped by someone practical joke but u fell without injured
Buddha always create goodwill for others ,so the energy of goodwill
attract protectors and precepts guardian to protect you ,so you
wont hurt badly ")