How does one pay zakah when some of his wealth has reached the lunar year (hawl) and other wealth has not, and what is the ruling on the zakah of debts?

Question:
May Allah reward you. We have received this question, Honorable Shaykh. He says: If I want to pay zakah and I do not know which of my wealth has reached the hawl, do I pay zakah on all my wealth or do I separate it? And what is the method? And if I have lent money to a person, do I pay zakah on the amount I lent to this person?

Answer:
Yes, you pay zakah on the money in your possession and on the debts owed to you by people, because they are your property. If it is difficult for you to track the hawl for each amount separately, then you pay zakah on the entire amount, both what has completed its hawl and what has not, until the time for next year’s zakah. You set a date in the year on which you will pay your zakah. This is the sufficient solution that clears the conscience, if Allah wills.