A person’s karma is created by his or her thoughts, words and deeds. It is not created by the actions, words or deeds of anybody else, no matter how closely related they may be. This knowledge helps us to stop blaming others and feeling like a victim. Our tomorrows lies on the foundations that we lay today. And what we are dealing with today is a consequence of our thoughts, words and deeds in the past.
If our “heavy karma ” from past is not expiated within this lifetime, one must undergo the sufferings of hell in the future, but if one experiences extreme hardship in this life, the sufferings of hell will vanish instantly.