Is the energy of our karmic debts stored completely within our personal akashic records, and is this where our past life contracts and perhaps other energetic phenomena representing our karma reside?

As we explained previously, it is the storing of the event along with the pain and suffering created in the form of emotional energy that is imprinted with your energetic signature as the perpetrator. So, this forms the perfect cruise missile. It has got your name on it and it has the energy of all the suffering you caused your victim, and amplified in turn by pain radiating outward and being added to by many others around that person, especially their loved ones witnessing their suffering, or perhaps suffering in turn because you have caused discord in your victim and this caused others to suffer. Because it all owes to you, it will come back to you. So that missile will find its way and you will have it in your lap one day to deal with.