The Ruling on Zakah in a Debt Owed by a Person in Financial Difficulty

I have a sum of money which I lent to some people in need of it. They have spent this money and have nothing left with them. Is zakah due on this money or not? I hope for your guidance. May Allah reward you with good.
Answer: As long as they are in financial difficulty, there is no zakah on you. If the borrower is in financial difficulty, there is no zakah on you. Or if he is well-off but delays paying you, not giving you what you ask for, then there is no zakah on you until you receive it. Then you wait for a new lunar year to pass, and you pay zakah on it after that. However, if the one who owes the loan is wealthy and generous, then zakah is due on you. Even if it remains with him for years, you must pay zakah for every year as long as he is wealthy. If you ask for it, he gives it to you and is not delaying, then you pay zakah on it as if it were a trust. But if he is in financial difficulty, then the debt he owes does not require zakah; because it is not in your hand, and zakah is a form of support. You do not currently have the ability to collect it, so there is no zakah on you. Likewise, if he is able to pay but delays and does not give it to you, and does not fulfill the obligation upon him of paying your right, then there is no zakah on you; because the one who delays is like the one in financial difficulty. So there is no zakah on you until you receive it, then you wait for a full lunar year with it, and you pay zakah on it after that. Yes.
The presenter: May Allah reward you with good.