The wheel of births and deaths ceaselessly turns. You are born as a male, as a female; rich, poor; brilliant, dull; healthy, weak; black, white; of different nationalities and of different creeds, in accordance with your inherent and imperative need to have that richness of experience which helps transcend all forms of duality. Side by side with the experience, the paying and receiving of payment of karmic debts go on ad infinitum.
How can you clear the account?
The Avatar, or the Sadguru, having universal Mind, literally embodies universal life. It is through Him that you become free from this business of karma.
-The Everything and the Nothing, p54