Try to recite this prayer once before sleeping. This might help you to unblock the blockages that have been created as a result of bad karma, in this life or past life. The karmic debt might get a little easy upon you if the souls who have been hurt by you start forgiving you. I am not saying that this will resolve all the issues, or you will not have to repay what you have done. But this surely will lessen your burden.
I forgive myself and I forgive those who intentionally or unintentionally hurt me.
I ask for forgiveness from those whom I have hurt intentionally or unintentionally.
I thank those who have intentionally or unintentionally helped me to grow.
Dedicate this to all the souls – the souls up above, the souls currently around you and the souls who were once a part of your journey, along with the universe.