Removing the Rust of Karma
The escape from karma lies in the protection afforded by the saints…. The saints show us the way out.
They say: Let new actions be performed in the name of the Master, the individual working in the capacity of an agent only. The new actions, done in this spirit, will not be binding. The fate actions will have been undergone by the time the life comes to an end; the reserve actions saints partly take upon themselves and partly are undergone by the devotee, as the saints think proper.
Saints put the individual spirit in touch with the sound current, and as the spirit catches it and rises up, it throws off the influences of mind and matter, and gets stronger and stronger. The more the individual works on these lines, the easier the path for him. Otherwise the course becomes lengthy; but the saints are pledged to see him through, after they have initiated a soul. The practice of sound current cuts the rest of karma.
The current acts like a magnet on the spirit. It attracts the spirit to itself, and if the spirit were not covered by the rust of mind and matter, it would go up like a shot. The rust of attachments and impressions is removed by repetition (simran). The repetition of thoughts of the journey within replaces our everyday thoughts. Then the mind, instead of wandering outside, begins to take rest and peace within; and when it goes in, the spirit also goes with it; and when the spirit is in, the current in its turn pulls it up. Once Trikuti has been crossed (this will only be when all karmic accounts are settled), the soul never goes back into transmigration. It will go up to merge in its origin.
Maharaj Sawan Singh, Spiritual Gems