Halocho #1179 - First pay then Apologize

Yom Kippour does not atone for misdeeds done against fellow-Jews unless one first asks them for forgiveness. 

One should be careful to repay all overdue loans before Yom Kippour; after which one can beg for forgiveness for the delay. 

If one is being asked for forgiveness one should not be stubborn nor vengeful; rather one should be forgiving, the same way one hopes that Hashem will be forgiving of our sins. 

 Source: Kitzur Shulchan Aruch 131:4

 Ktiva Vechatima Tova; wishing you a year full of good tidings.

 - Danny
 Tuesday, 6 Tishrei 5774