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If the one who has taken a debt is capable to pay it, and he delays the payment without the creditor’s consent, then, delaying it even for a moment is a sin and the borrower will be considered cruel and oppressive. Whether he is observing fast or sleeping, sins will continuously be recorded in his account (meaning his sins will keep increasing), and all the time, he would be continuously under the curse of Allah عَزَّوَجَلَّ. This is such a sin that it remains with the person even when he is asleep. If he can pay off the debt by selling his belongings, he is bound to do so; otherwise he will be a sinner. If in the compensation of debt, he gives something that the creditor does not like, even then he will be a sinner and he would be accused of the crime of this heinous act until the creditor forgives him, because this act is a major sin but people consider it as a misdemeanor. (Kimiya-e-Sa’adat, vol. 1, pp. 336)
Dear Islamic brothers! When people are in need, they flatter the moneyed and make false promises in order to borrow money. But once they acquire it, they do not even bother to repay it. What the superego desires is that such a person should pay the debt back to the creditor along with a lot of thanks, but what happens today is that if at most the debt is paid off, first the creditor is frustrated by delaying, secondly the money is returned time to time in fractions instead of a lump sum.
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