While the performing of Umrah is optional Ibaadah of great reward, the payments of debts must necessarily come first. In the Hadith we have been cautioned against neglecting the payment of debts to such an extent that Rasulullah Sallallahu Alayhi wa Sallam has stated, “Every sin of the martyr will be forgiven, but not the sin of an unpaid debt.” (Muslim)
In fact, Rasulullah Sallallahu Alayhi wa Sallam would not even perform the Janaazah Salaah of a person who passed away in debt when there was none to take over the payment of his debt. (Ahmad)
There is no sin for not performing Umrah. However, one who withholds payment of his debt while having the means to pay, compounds his sin every day the debt is not paid.
Umrah is supposed to be for the Pleasure of Allah Ta’ala, whereas neglecting one’s debts earns Divine displeasure. If a person is sincere he will not attempt the impossible of combining two opposites.
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