Rosh Hashanah & It's Universal Message

On Monday evening, September 29^th, Jews worldwide will celebrate their Jewish New Year, called Rosh Hashanah. They will gather for prayers in homes and places of worship followed by a meal full of rich rituals. The most symbolic custom is the dipping of challah, holiday bread, and apple into honey for a sweet year. With the holiday spirit arriving I think of its message for accountability and forgiveness. 

How do I ask the Almighty for a blessed sweet year if I still have debts to correct? And come to think of it, who doesn't have spiritual debts to correct? How am I going to account and repent for my misdeeds and short comings?