Karma??

My question, or my thought is this...
do you believe in karma? Not for the ex or the ow, but i am talking about myself.... i have read so much about how karma will eventually get them,,, but i dont care about them,,, i am wondering, did i get this done to me, as some form of karma?? I cant actually say i believe in it, but who knows,,, what could i have done, to any one, that this type of pain should be a karma payback??? Thoughts? Suggestions?