The ruling on Hajj while in debt and performing Hajj on behalf of another

Question:
This brother residing in Riyadh says: If a person performs Hajj while he has debts, I have heard from some who say that the Hajj is not valid. Does he have that, Honorable Shaykh? And what is the ruling on performing Hajj on behalf of another? And what are the conditions that

Answer:
Yes, paying off the debt is obligatory for him before he travels for Hajj; he must give people their rights and the debts in his liability if they are due immediately. If they are deferred, he should make a will regarding them and specify them so that they are not lost. Debts have great importance, and Allah the Exalted ordered [the settlement of debts] before inheritance in the case of the deceased. Therefore, the living person should hasten to pay off debts if he is able to do so. But if he performs Hajj while having debts that he has not paid, his Hajj is valid, and the one who said that he must pay them is incorrect. His Hajj is valid, and the debt remains in his liability to be paid. As for performing Hajj on behalf of another, it is permissible in the case of inability. If a person is unable to perform the Hajj of Islam and that difficulty is permanent—he cannot do it now or in the future—he appoints someone to perform Hajj on his behalf. Thus, the very old person and the chronically ill person appoint someone to perform the Hajj of Islam on their behalf. It is a condition for the proxy that he has first performed the obligatory Hajj of Islam for himself. Yes.