The situation of the one who is unable to pay if he promises to pay but cannot

Question:
After this, a message reached the program from al-Madinah al-Munawwarah, and its sender is a listener who referred to his name by the letters Ayn, Zay, Raa, and Ya. He asks and says: I have some debts, and sometimes I promise their owners that I will pay them at a specific time, and sometimes I swear that I will pay them at a specific time, but I fail to do so. Some people say that if you do not pay at the time you mentioned, I will curse you. I ask for your guidance, Honorable Shaykh. May Allah reward you with good. He says: Some people say that if you do not fulfill the date you mentioned, we will curse you and your children. Is there a sin on me if I am not fulfilling it? May Allah reward you with good.

Answer:
There is a distinction here. If you did not pay because you were unable to fulfill the promise, you are excused in this. However, if you were lax, and your failure to pay was the result of laxity and negligence, then you sin in this and you are unjust to the owners of the rights. Perhaps their supplication against you will be answered if they curse you, because you wronged them. But if you were unable to pay at the specified time, you are excused, and it is obligatory for them to grant you a delay and respite. Allah the Exalted and Sublime said: you know. Granting a delay to the one who is unable to pay has great merit. Yes.