There are three types of karma:
1. A latent action: If you had done something wrong because of which your car license was taken away, that is your past karma
2. A tendency. The tendencies in you is your future karma
3. The effect of an action in your life. Whatever you are doing now is your present karma
Karma is always there. You can get rid of the past. You can make your karma better for the future, and be in the present.