Rabbi Benayahu Shmueli, Head of the Yeshiva: The Virtue of Repentance Out of Love
It is written: whoever repents out of love and everything, his intentional sins are transformed into merits. Everything transforms into merits. Even the curses, everything transforms now into blessings.

We are approaching the great and awesome Day of Judgment, we have two weeks left.
It is truly needed—days of mercy and favor—he says: this is a level of great loving-kindness right now.
It is written: whoever repents out of love and everything, his intentional sins are transformed into merits.
Everything transforms into merits. Even the curses, everything transforms now into blessings.
So that one shouldn't fear the curses at all.
Only what? One needs... to awaken on their own in repentance as quickly as possible, that is better.
He shouldn't wait until it arrives—you know, now Rosh Hashanah will arrive for him— and say: "No, during the blowing of the Shofar, in that, I'll come, and I'll repent."
No.
One needs to fulfill mitzvot, strengthen oneself, and return in repentance as quickly as possible.