Someone has a debt to pay but instead of paying it, he/she decided to go for Hajj/Umrah.
Is it allowed to perform Hajj or Umrah while having debt?
Or is it that only after clearing the debt he/she is allowed to perform Hajj/Umrah.
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The Prophet (ﷺ) said, "Procrastination (delay) in paying debts by a wealthy man is injustice. So, if your debt is transferred from your debtor to a rich debtor, you should agree."
The Messenger of Allah said: "The believer's soul is suspended by his debt until it is settled for him."
A dead man in debt used to be brought to Allah's Messenger (ﷺ) who would ask, "Has he left anything to re pay his debts?" If he was informed that he had left something to cover his debts the Prophet (ﷺ) would offer the funeral prayer for him; otherwise he would say to the Muslims present there), "Offer the funeral prayer for your friend:"but when Allah helped the Prophet (ﷺ) to gain victory (on his expeditions), he said, "I am closer to the Believers than themselves, so. if one of the Believers dies in debt, I will repay it, but if he leaves wealth, it will be for his heirs.
I could not found a single Hadith or Ayah from Quran which says, that we cannot perform Hajj/Umra while having debt.
But from the above Hadith, it is very clear, we need to pay the debt first because Hajj/Umra is not obligatory until you have debt free money.
Some scholar says, if you can take time from the person, but what if you could not return from Hajj/Umra?
Consider this answer from Sh Karim Abu Zaid: https://www.youtube.com/watch?v=lrLkXioCLXE