From all the possible solutions, God is offering the very best one all the time. However, if you miss to accept any help extended to you from God, from helping Saints and other children of God around you, then you may find your very own karma guiding you toward God - but in a different way. God is Love - Karma however most of the time is pain, suffering, stress. Accept the solutions of Love in all your life - it's more fun, more enjoyable and more efficient. Because Love is healing.
Love can but heal.
Your karma however causes pain, injury, suffering that needs additional healing love. Later may be too late for this incarnation to complete all necessary steps on your way to God, later may be in any future incarnation . It may take a while and considerable efforts to dissolve it.