Is it permissible for one who owes a debt to some people to perform 'Umrah or Hajj?

The Shaykh : People often ask about this on such occasions: if a person owes a debt to some people, is it permissible for him to perform 'Umrah or Hajj, or must he settle his account with his creditor? The answer to this is that the matter is easy, if Allah wills. If the creditor is patient with the debtor who intends to perform 'Umrah or Hajj, then there is no harm in his performing Hajj or 'Umrah. However, if the due date for repaying the debt has arrived and the creditor is not patient, then the one who wants to perform Hajj or 'Umrah must repay the debt to its owner, and then perform Hajj or 'Umrah. But if the creditor gives him permission, there is no harm in that, as long as he repays his debt after performing Hajj or returning from his 'Umrah.