The Ruling on Hajj in the Presence of Debt

Question:
Umm Sa'ud says: I am a married woman with several children, and I have not performed Hajj before due to various circumstances, including the large debt that is upon us and upon my husband's shoulders. I have heard that a person must be free of debt or else he cannot perform Hajj, and I fear that death may come to me before I fulfill this obligation, knowing that I have already performed the obligatory 'Umrah five times in Ramadan. So what is required of me?

Answer:
Hajj is obligatory only upon the one who is able to do so. Allah the Exalted said: Therefore, the one who does not have the financial ability is not required to perform Hajj, and Hajj is not obligatory upon him. Even if he dies without having performed Hajj, he owes nothing, because the condition upon which Allah made Hajj obligatory was not met. And when the condition is absent, the conditioned act is absent.