I got this tip from an old newsletter of Tom's and it's very good:
"Now days I say a 'Living Prayer' each morning that I've been told in meditation will erase a lot of Karmic debt. I say, "I ask that any and all beings come to the aid and comfort of anyone that I've ever harmed either physically, mentally, morally, spiritually, or emotionally in any past, present, or future life, and I ask that any and all beings bring aid and comfort to the families of anyone that I've ever harmed in any way, thank you."
I've been told that this is rarely said in a physical life--it's advanced. I highly recommend it".