Is it permissible for one who has a debt to give charity?

The questioner : It is not permissible for one who has a debt to give charity that prevents him from paying it off; because it is obligatory, it is not permissible to leave it, nor is it permissible to abandon it.

The Shaykh : It is not permissible to copy.

The questioner : It is not permissible to abandon it, nor is it permissible to prioritize it over maintenance.

The Shaykh : And this is clear, meaning, for example, a person has a debt, a due debt. He gives charity, we say: do not give charity, do not give charity, pay the debt. He says: I am giving ten riyals, and I owe ten thousand, and I am only giving ten riyals. What do we say to him?
Give those ten riyals to the creditor. How much remains on you? Ten thousand minus ten riyals. And the second time is the same. And as the common people say, drop by drop, a pool or a valley comes. And if you want, for example, you have ten here, you give it in charity, and the second ten, you give it in charity, it means you have decreased. But if the debt is deferred, meaning, when it becomes due, if you have what to pay it off, you give charity and there is no harm, because you are able. Yes, and that is the maintenance of the children. The maintenance of the children is prioritized over charity.
And among the blessings of Allah, Glorified and Exalted is He, is that your spending on your children is charity. Indeed, your spending on yourself is charity, as it is established from the Prophet (peace and blessings be upon him) A person pays off something obligatory upon him, and yet he is rewarded with the reward of obligatory charity, because your spending on yourself and your children is obligatory.