Is repentance accepted for sins if I am unable to pay off my debts?
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Question:
This questioner says: Honorable Shaykh, I am a young man who has turned to Allah and repented from all my sins, but I have debts that I have not been able to pay off. Will my repentance be accepted? And what are the conditions of sincere repentance?
Answer:
Repentance is accepted between you and Allah regarding sins that pertain to the rights of Allah. If you repent from them with a valid repentance, Allah will forgive you and turn to you in mercy. As for the rights of creation, repentance does not remove them; it is obligatory to pay them to their owners or to seek their forgiveness, and repentance does not remove them. The conditions of repentance are abandoning the sin and staying away from it, resolving not to return to it, feeling remorse for what has passed, and the fourth is that one must pay the rights of creation to their owners. Yes.
This questioner says: Honorable Shaykh, I am a young man who has turned to Allah and repented from all my sins, but I have debts that I have not been able to pay off. Will my repentance be accepted? And what are the conditions of sincere repentance?
Answer:
Repentance is accepted between you and Allah regarding sins that pertain to the rights of Allah. If you repent from them with a valid repentance, Allah will forgive you and turn to you in mercy. As for the rights of creation, repentance does not remove them; it is obligatory to pay them to their owners or to seek their forgiveness, and repentance does not remove them. The conditions of repentance are abandoning the sin and staying away from it, resolving not to return to it, feeling remorse for what has passed, and the fourth is that one must pay the rights of creation to their owners. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، 7723- هل تقبل التوبة من المعاصي إذا لم أستطع سداد ديوني؟ - الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.