You might say that the karma from previous birth must be consumed in this birth and that no amount of grace can save you. Evidently someone has taught you to believe so. I assure you, you need not suffer from karma like that. When severe pain torments you, the doctor gives you a morphine injection (pain-killer), and you do not feel the pain though it is there in your body. Grace is like morphine; the pain is not felt, though you go through it! Grace takes away the malignity of the karma which you undergo. Just like dated drugs are declared ineffective after a certain date, with Grace, the effect of karma is rendered null, though the account is there! Hence, it is wrong to say the ‘Lalata likhitam’ (fate written on the forehead) cannot be rendered ineffective. Grace can surpass anything; nothing can stand in its way. Remember, it is the grace of the ‘All-mighty’!