As I recall the Catechism states that God's free initiative demands man's free response, for God has created man in his image by conferring on him, along with freedom, the power to know him and love him. The soul only enters freely into the communion of love. God immediately touches and directly moves the heart of man.
That is not exactly what I was asking..If Grace is GODS UNMERITED favor.. how is it one can decide to make himself merit grace, seems to me that is making God a debtor to man ... and the grace merited by the mans actions