Does it means the bad things I met in my life is the Karma that I set up before? How do I deal with it if I don't even remember what I did before (past life(s))? Do we have to settle all Karma issues before we can go to higher frequency/conciouness? How can we settle our Karma?

QUESTION: Dear Alaje, Regarding Kama, does it means the bad things I met in my life is the Kama that I set up before? How do I deal with it if I don't even remember what I did before (past life(s))? Do we have to settle all Kama issues before we can go to higher frequency/conciouness? How can we settle our Kama?