Karma phala are our doings of past life which are getting ripe now,, as a seed planted does not immediately bear fruits so karmas also get ripe after many births, from our reservoir of karmas our present life is decided. There is always a tug of war between prarabdha, or fate and purushartha of hard work, the stronger between the two wins, if a persons fate is to suffer but he tries haard, he may face obstacles a lot but may win with extra effort.The name of God like Rama Krishna, Siva, Durga etc can change our fate, a thing only nama japa can do, no other thing.Do chant lords name regularly, it will change fate.Even people with Meditation and Supreme knowledge have to suffer fate but not who chant Gods name, to them karmas slowly are purified, and bad karmas give way to good fate.