If you feel like you've made decisions which negatively influence your karma, then the best way to get "over this negative hurdle," is to start planting better seeds today. Make the next RIGHT decision for yourself today so that, in time, as karma would have it - you will begin to experience the positive events to follow your new choices.

For example, if you wracked up a lot of debt that you don't have the means to repay, and subsequently had to file bankruptcy - you will likely experience a series of hurdles (credit scores dropping, difficulty purchasing house, vehicles, etc., shame or embarrassment, etc.). To begin correcting this, you must show greater restraint in your spending, use discipline to save and invest for future unexpected expenses, and to make some sort of amends to those who may have also been negatively affected by your financial mismanagement. The rewards will far exceed a positive balance in your bank account, including greater self-esteem and self-worth (both literally and figuratively), and less stress and worry.