From Conversations with God book 1 by Neale Donald Walsch:

No, there is no such thing as karmic debt—not in the sense that you mean in this question. A debt is something that must or should be repaid.

You are not obligated to do anything.

Still, there are certain things that you want to do; choose to experience. And some of these choices hinge on—the desire for them has been created by—what you have experienced before.