The Prophet ﷺ gave serious warnings about debt.
He ﷺ said: “The martyr is forgiven for every sin except debt.” (Sahih Muslim)
Even someone who gives their life in the path of Allah is not automatically freed from the rights they owe to others.
That’s how seriously Islam treats debt.
If you owe someone money, make paying it back a priority.
The Prophet ﷺ said: “Delayed payment by a rich person is an act of injustice.” (Sahih Al-Bukhari)
If you can pay, don’t keep delaying. Don’t make excuses. Don’t make the person chase you for what is rightfully theirs.
But if you are genuinely struggling and sincerely intend to repay, the Prophet ﷺ taught us a beautiful du’a: “O Allah, I seek refuge in You from anxiety and sorrow, from incapacity and laziness, from miserliness and cowardice, and from the burden of debt and being overpowered by others.” (Bukhari)
So make the intention. Speak to the person you owe and make a repayment plan.
And if you have the ability to pay, pay it before you leave this world.
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