You would end up in a lower realm until you finally decided to be honest about how it was wrong to do what you did, and then you would have to become conscious of how you hurt others.

Once you decided to be an honest and responsible soul,  you would probably have to spend even more time in a lower realm until you are finally able to forgive yourself.

Next you would need to strive to evolve in a positive way, and your karmic debts would complicate this process.

Get out of jail free cards don't apply to souls who become honest and responsible. They only exist in the imagination of people who want to get away with self-serving actions that don't consider the needs of others.

Now what's better? To rejoin the spirit world after you used your life in a positive way, or after you were a person who hurt others?

You would end up at Guantanamo.

  Sort of indirectly related to what Recoverer was saying.  There is an account in the E.C. readings which while i'm not totally sure is true or not (it rings true to my intuition), is quite interesting relating to the issue of "spiritual consequences" and karma. 

  In this account it says that the man Yeshua (most well known as Jesus in history) was like all of us in the sense that he, his personality, material self was/is an aspect of a larger "Disk" self, which had projected other aspects of itself into Earth's time-space existence.

  E.C.'s Guidance once said that to really understand Yeshua's lifetime pattern, that one needed to look closely at Joshua of the O.T., who was/is another aspect of that same Soul or Disk if you prefer. 

  Joshua of the O.T. was bit of a warrior to put it mildly.  During his lifetime, he the latter leader of his tribe and his tribe fought a number of battles against other tribes.  What's interesting from the karmic perspective is that Joshua was known to have hung, if i remember correctly, 3 generals from the enemy side up on trees to die. 

   Not a very PUL attuned act!   

  Is it then a surprise that Yeshua was crucified in his lifetime (and with foreknowledge willingly went to same)?   Even the Disk who Co-Created this Universe and the Earth had to face karmic repercussions of It's material lifetimes within other material lifetimes.  Some would like to think this was easy for Yeshua to have been tortured and crucified, that he didn't feel any physical pain, but this would miss the point of karma.

  The man knew it would be difficult to face this as a physical body, and that's why even He briefly prayed that His mission might be accomplished by some other way.