The ruling on forgiving a debt out of shyness and courtesy without the intention of forgiving it

Question:
He says: Honorable Shaykh, may Allah grant you success, if a man forgives his debtor out of shyness and courtesy, and not with the intention of forgiving the debt, and the debtor does not accept it, is it forbidden to take the debt? And what is the ruling if he accepts it afterwards?

Answer:
If he forgives him and utters the words of forgiveness, his liability is cleared. As for saying, "I am shy," this is not accepted; it is not accepted along with the utterance of forgiveness. Yes. And Allah the Exalted knows best, and may Allah send blessings and peace upon our Prophet Muhammad and upon his family and companions.