Zakah on Installment Debts

The questioner:
This questioner asks about a person who works in car installments: does he pay zakah on the money he has with people?

The Shaykh:
The one asking about car installments: is there zakah on them? Yes, these are debts. The installments are debts in the hands of people. If these debts are owed by people who are financially able and you do not fear losing them, and they are not with people who are unable to pay or people who delay payment, and you do not know whether you will get them or not. If you are confident that you will get them when you ask for them, then you pay zakah on them every year. When a lunar year passes over them, you pay zakah on them, because they are like the money in your possession.
As for if they are owed by people who are unable to pay, or by people who delay payment, and you do not know whether they will be returned to you or not, then zakah is not obligatory on them until you receive them from them, and then you pay zakah on them for one year. Yes.

The questioner:
And if they are not due immediately.

The Shaykh:
Even if they are not due immediately; because they are your money in the hands of people, whenever a lunar year passes over them, you pay zakah on them. Yes.