Meditation cannot stop bad luck or curses from happening. Personally, I don’t believe in either. However, when things don’t go right, meditation can help us deal with it better by putting us in a positive frame of mind. I am not clear what you mean by the question would chakra be better? You can align your chakras and open them; which would help you feel better and think more clearly which would, in fact, help you deal with the bad things better. I don’t know that chakra meditation would be any more effective than any other sort of meditation.
If your bad luck means, karma ….. no.
Nothing happens by coincidence (luck) there is a cause and effect.
Meditation can overcome curse. However, that is only if you are a very advanced practitioner. Beginners, no.
Disturbance by ghost, Buddhanusati (Reflection on the quality of the Buddha). Loving kindness against black magic (hate).
A curse is a state of mind, not a reality. What you believe you stand a chance of experiencing.
Meditation will help cultivate a healthy mind that would see such issues in their true light, so I guess yes.