On the day of Diwali or any other auspicious Muhurat, take some clean cotton and prepare 4 wicks of equal size. Then dip the wicks in Ghee and spread some Nagakesara [an Ayurveda Herb] and Black Mustard Seeds over them.
Then at night after 12 PM when there is calm and quiet everywhere, put these 4 wicks in a Chaumukhi Clay Diya [Diya having 4 mouths to keep the wicks]. Add Peanut Oil to the Diya and take it to a street corner [4 road meeting point] and light the Diya there. Then take a thin pin or needle and prick the Anamika [ring finger] with it and let a couple of drops of blood drop on the Diya.
Then close the eyes and bring an image of the person/persons who owe you money in your mind and say a small prayer to your favored deity that the money you have earned with your hard efforts be returned back to you. Say this prayer 3 times and go back to your house and while going back do not look back over your shoulder even once.
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