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Debts Dr. Chawla Guides you how to clear debts. Debts and Loans: Debts and Loans is a complete enemy in it. It takes away all the happiness from our life. It is very difficult to manage debtors coming early morning and late evenings to ask for their money. One does not like to pick up the phone call at times. Let us decode the reason behind the heavy debts and loans. North direction blockage is a big reason for debts. Placing heavy furniture’s on the north wall, closets given on the north wall, clutter on the north wall, Less openings from the north wall are all the vaastu defects. If the building structure is elevated from the north, it creates a vaastu defect. While constructing the upper floor if north area is covered and south direction is left vacant it creates a vaastu defect. Under ground water tanks in southwest leads to debts and loans.