Karma is the effect that actions performed, which are not in accord with the Divine concept of our Universe, in past lives or the current life, have on the current or future lives of an individual. The effect of karma is to balance the energy pattern that the karma represents and restore harmony in the Universe. If one resists the karma that is coming into the life, it will be slow to balance. If one accepts the karma, then it will balance quickly. Generally, the ego will make a judgement call that this karma is "bad" so it will be resisted and that karma is "good" so it will be accepted. The effect of this is to allow the "good" karma to balance quickly and the "bad" karma will not balance quickly, instead the negativity will persist and accumulate in life.
The ego is like a prison guard who confines the prisoner to a tiny cell that is labeled as "reality" when in fact the true reality is unbounded, limitless life of Biss and abundance. When we seek Moksha we are saying goodbye to the ego and walking out of the prison cell into the beautiful sunshine of Bliss Consciousness. Moksha is total freedom from all limitations and boundaries that inhibit the full expression of life. Once we understand that Moksha is a choice, just like suffering and boundaries are a choice, we choose Moksha!
Now that we have chosen Mosksha, we still have karma to deal with, and dealing with it takes our time and energy and detracts from the time we have for meditation and other spiritual practices that help us to achieve Moksha. So we need efficient ways to accept and allow our karma to balance. There are basically two forms of karma: 1) current karma that has already come into the life and is manifesting its effects now, and future karma that will be coming into the life at some future date. We have the blessing of Graha Yajnas from Lord Vishnu to shield our life from future karma, but it takes time before all future karma is shielded - about 55 months of confinuous operation of the Maha Yajna Vitara. During this time current karma continues to arise and must be accepted and balanced.