The ruling on undertaking to pay the debt of a deceased person at his grave

Question:
Among the questions that reached us a short while ago, Honorable Shaykh, is one from a questioner who says: My grandfather had a debt during his lifetime, and after his death and burial, I went to his grave and said, “Allah knows that the debt you have is my responsibility, and I will, if Allah wills, clear my grandfather’s conscience and pay this debt.” Does this clear his conscience?

Answer:
There is no need for you to go to his grave and undertake to pay his debt on his behalf; this does not clear his conscience until the debt is paid. If the debt is paid, the deceased's conscience is cleared. At the beginning of his mission, when a funeral was brought to the Prophet (peace and blessings be upon him) for him to pray over it, he would say If they said yes, he would say and he (peace and blessings be upon him) would delay. If there was no debt on him, he would pray over him. On one occasion, a Muslim who had passed away was brought to the Messenger (peace and blessings be upon him) for him to pray over him. He asked if there was a debt on him. They said, "Yes, two dinars." So he (peace and blessings be upon him) delayed and A man among those present said, "The two dinars are on me, O Messenger of Allah." The Prophet (peace and blessings be upon him) confirmed with him that he would take them on, then he stepped forward and prayed over him. The next day, he met the man and asked, "What did you do with the two dinars?" He said, "The time has not passed yet, O Messenger of Allah." On the second day, he met him and asked, "What did you do with the two dinars?" He said, "I have paid them, O Messenger of Allah." He said, "Now his skin has cooled." Taking on a debt is sufficient; it is necessary to pay it and settle it for the one it is owed to, so that the debtor's conscience is cleared. When Allah opened up for His Messenger (peace and blessings be upon him) and the war spoils came to him, he would take on the debt from the public treasury and step forward to pray over the deceased. Yes.