The ruling on transferring a debt to a person who owes nothing
Machine translationRead the Arabic original
Question : If a person who owes a debt transfers it to a person who owes him nothing, that is an agency to borrow.
Answer : What is meant by an agency to borrow? It means he appointed him to borrow from the person to whom the debt was transferred so that he can collect it from him. For example, you transfer 'Amr, who is asking you for one hundred riyals, to Zayd, saying, “I have transferred you to Zayd,” but Zayd has nothing. So, is it an agency to borrow? Does the person to whom the debt was transferred have the right to say no? Yes, he has that right, because he owes nothing.
Answer : What is meant by an agency to borrow? It means he appointed him to borrow from the person to whom the debt was transferred so that he can collect it from him. For example, you transfer 'Amr, who is asking you for one hundred riyals, to Zayd, saying, “I have transferred you to Zayd,” but Zayd has nothing. So, is it an agency to borrow? Does the person to whom the debt was transferred have the right to say no? Yes, he has that right, because he owes nothing.
Source
قناة «فضيلة الشيخ محمد بن صالح العثيمين»، [4717] حكم إن أحال من عليه دين على من لا دين عليه - تعليقات على الكافي لابن عثيمين — youtube.com
The Arabic text is a machine transcription of the audio recording.