What is needed so as not to collect gathered agamya karma, is life solutions, what I call nithyam (eternal) because you practice them daily. To dissolve the karma of this birth, you need meditation or dhyanam. That is why you see that most of our meditations are based on breathing. Altering the breathing, making it fast, slow, silent etc, is what our meditation techniques are all about. The only thing that can dissolve the total karma is the master’s grace or anandam (bliss).
So understand, karma is simply the effects of thoughts, words and deeds that stem from deep ignorance and cause you to again and again tread familiar patterns of misery. The way to break this cycle is to tune into the clicks received from the master and live in an elevated zone of consciousness.
source: Living Enlightenment