What spiritual conditions lead a person to the company of saints, as described in Chapter 28?

According to the teachings in Chapter 28, attaining the company of saints is not a random occurrence but a result of spiritual merit. The text explains that 'when the accumulated karma of many births rises up,' one is granted the opportunity to be in a saint's presence. This sacred association is transformative; it destroys the 'darkness born of delusion.' As Chapter 28 elaborates, this encounter ignites the fire of discrimination, leading to detachment from worldly enjoyments, the destruction of accumulated karma, and ultimately, a successful and fulfilled life.