Karma means action. What you plant is what you will take. Karma can be done from three ways, first from mind, speech, and action. Every moment, peoples create karma. Peoples have to born again according to their karma. If doing good will be born in heaven and doing bad will born in to hell. But if their karma finished, they have to born back in to the world. The existent of this karma push them back into the wheel of birth and death.
Karma has three parts based on the periods is past karma, present, and future. It’s really hard for human to be free from karma. God gives order to Kal to rule the three worlds and rule the karma. Kal only can dominate the physic, but not the soul. Only God dominate the soul, because the soul is part of eternal god’s light. Also because of karma we can meet Satguru in this life. The seas of karma don’t have the edge and really deep, to erase karma is almost impossible. But if we met Satguru, he/she will pay our karma slowly by practicing light and sound’s way. Sometimes Satguru helps us take our karma’s burden, so if we have to receive deadly hit, it will changed to a needle stuck. And we will receive our karma in less suffering.
In this way, our karma can be paid by blessing Satguru. Finally we can across the ocean of karma and passed Kal region. At the time comes, Kal will not pick you up, but Satguru him/her self will pick and take you back to the kingdom of God.