The Meaning of the Phrase "And Those in Debt"

The Shaykh : Who are the "those in debt"? They are the indebted people who have debts to others, and the students. Their debts are paid from the zakah. As for the "those in debt," is it obligatory for us to give them the money so they can pay it off, or is it permissible for us to go to the creditor who is demanding it, pay him, and say, "This is for the debt you have with so-and-so"? Do you understand the question, everyone? All right, suppose a man owes ten thousand riyals and cannot pay it off. Do we give him the ten thousand so he can pay his creditor, or do we go to his creditor and pay it on his behalf? Regarding this question, we say that we have the choice. If we wish, we give it to him and say, "Take this money and pay your debt." If we wish, we go to the one who is demanding it from him, pay him, and say, "This is payment on behalf of so-and-so." Did you understand? All right.