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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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Hajj for one with many debts and seeking permission from the creditors

Machine translationRead the Arabic original
Question:
The questioner says: Your Eminence the Shaykh! I have many debts. Is it valid for me to go with my wife and daughter to perform the obligatory Hajj? Is it required to seek the permission of the creditors? And if they do not allow it, is the Hajj valid? May Allah reward you with good.

Answer:
What is prescribed for you is to start with the debt; do not perform Hajj. Give the cost of Hajj to the creditors. It is obligatory for you to hasten to pay off the debt and strive to pay it off, and to fear Allah and not waste people's money. As for if you are unable to pay, Allah the Exalted says:
So fear Allah as much as you are able and listen and obey and spend [in the way of Allah]; it is better for your selves. And whoever is protected from the stinginess of his soul - it is those who will be the successful.فَاتَّقُوا اللَّهَ مَا
[At-Taghabun 64:16]
and He says: "And if the buyer is in hardship, then deferment until an easy time." But if you have money that you can use to settle it, do not give it to the creditors [for Hajj]; give it to the people of the debt, and do not perform Hajj. Allah did not make Hajj obligatory upon you except if you are able. He says, praise be to Allah, that one should perform Hajj
to the House - for whoever is able to find thereto a wayالْبَيْتِ مَنِ اسْتَطَاعَ إِلَيْهِ سَبِيلًا
[Ali 'Imran 3:97]
if you are not able, because the debt means you are not able, then pay the debt to its people, the money to its people, except if you are able to pay the debt and perform Hajj both, then perform Hajj while the debt remains, yes.
If you have in your hand what suffices for paying the debt and performing Hajj, start with the debt, give it to the debt, and even if you perform Hajj, the Hajj is valid, if you perform Hajj, the Hajj is valid, but you have made a mistake. The obligatory thing is to start with the people of the debt, and if a person performs Hajj while he has a debt, his Hajj is valid, but he left what was required of him, and it is obligatory for him to start with the people of the debt; because it is obligatory, because their right upon him is obligatory, and Hajj is obligatory, so the obligatory thing is to start with the obligatory thing,
Source فتاوى الحج والعمرة والأضاحي — archive.org (1:16:51)

The Arabic text is a machine transcription of the audio recording.

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