<b>Guidance from the Hadith:</b><br> 1) It is prohibited to delay the settlement of a due debt when one can afford repaying it because delaying the payment is injustice.<br> 2) It is obligatory to comply with the Prophet’s command to accept the transfer of a debt to be paid by another person. This is the case when the debtor refers the creditor to another person who will pay him the debt. He says to the creditor: “Take your money from so-and so, for he owes me a sum of money.”<br> <br> <b>Benefit:</b><br> It is recommended that the creditor does not decline the debt transfer, unless there is an impediment, like when the person to whom the debt is transferred is a procrastinator, difficult to deal with or the like. Here he may decline the transfer of debt.<br> <br> <b>Words in the Hadith:</b><br> Matl (procrastination): delay; procrastination by a rich person means that he delays fulfilling the rights due upon him.