The following is by Robert Adams:
Does Karma really exist? I know that you can say, “No it doesn’t.” But as long as you believe that you are a body and mind, as long as you feel the world to be real, you cannot fool yourself. Do not lie to yourself. If the world perturbs you, if people bother you, if things annoy you, if you are reacting to conditions this means that you believe you are a body going through these experiences. And as long as you are going through experiences you are in karma. You are experiencing the karma that put you here as a body. It is only when you have realized the self that there is no karma.
Therefore do not go around telling people that there is no karma, it will give them license to do anything they like. Feeling there is no retribution, there is no effect for their deeds. This is not true as long as you believe you are a body. For there are laws of the universe that respond to your actions. Karma means action. And as long as you believe you are the actor you will have to experience the results of the karma.
So in this particular life you are experiencing the results of not only the karma of this experience but of previous lives. Previous lives also come into effect whenever you believe you are the body.
There are only two ways to destroy the karma.
One is to inquire, “To whom the karma comes? Who is experiencing this karma?”
And the other way is to surrender completely to God. Totally surrender your life to God. God is within you as you. You therefore surrender everything to the self. Thy will be done. You begin to see that as long as you have God to surrender to, you need not worry, you need not fear. Everything will be alright.