The Impact of Debt on the Answering of Supplication

Question:
Does debt prevent the answering of supplication if the person intends to pay it off? If the debtor dies while intending to pay it off, will Allah pay it off on his behalf? Will he be held accountable for it on the Day of Resurrection if Allah pays it off on his behalf? Does the soul of the debtor remain attached until he pays off his debt?

Answer:
The Prophet (peace and blessings be upon him) said: "Whoever takes the property of the people with the intention of paying it, Allah will pay it on his behalf." If he takes it and intends to pay it, and strives, but it does not become easy for him to do so, Allah will pay it off on his behalf, and it will not harm him that it remains on him. The hadith itself indicates that the soul is attached to something until it is paid off on his behalf. If he dies having intended to pay it and striven to pay it, Allah will pay it off on his behalf, and his soul will not be attached. However, this requires striving and sincerity. Sincere intentions are accompanied by righteous deeds. If he intended to pay it, he must be diligent, active, and take the means to pay off this debt he is carrying. As for the one who takes a debt and says, "I will pay it," but is like a right that is not cared for, he is not sincere in the debt. Whenever we see rain, we fear that it is a punishment from Allah. Debt does not prevent supplication, because it does not prevent supplication. But if there is the intention of fulfilling it, he is in a good state. However, if he is an oppressor who consumes the wealth of people, that is dangerous. His supplication may be prevented, the acceptance of his deeds may be prevented, and he may suffer harm due to his ugly deeds. He may be punished with immediate or delayed punishments. But whenever he intends to pay the debt and strives with the means by which the debt is paid, he is in a good state. Yes.