Karma the Natural Law of Deeds & Results, turns on the intention of the doer, the only way to relieve of debt, even ignorantly accrued, is by Foregiveness, otherwise when the debts return to one, the payment will be made. Ignorance is a fragile bumper, lasting a a few times, once a person knows better, karma might return faster... intentionally & knowingly causing suffering, will return suffering in kind, unless forgiven..