Please advise – my family and I are in debt
Hello
I am living in Pakistan, and belong to a Middle class family, my father is DHMS Doctor and doing practice from last 35 years, i am elder brother then others, we are 2 brothers and 3 sisters, 1 sister got married 1 month ago.
We are facing a big trouble, and i need good advice, at the time of my sister marriage we borrow some money from family persons and friends, i am software engineer and i was hoping that after marriage i will return all money which i borrow from peoples, but for some reason my all payments block due to some legal issues with Pakistan Govt, and now peoples come our house for getting back money its round about 9 to 10 lacs, we are living in house which cost is more then 1 caror pkr.
My little brother is working in a Hardware shop as sales man, now he is 20 years old, now i suggest my parents for selling house for returning back money to peoples and buy another house in somewhere in town because now we are living in Commercial area and we have 2 shops which i give on rent to someone, because our business not related to this market where we are living right now... and if we move somewhere in town so i will do my business in home ground floor with proper way, and with some money my little brother start his own work and my father also take case of other business side by side his practice...
3 days ago they agreed for selling house, but now they disagreed so what is best way to solve this issue..
Thanks
gogetanswer
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Asalamu alekum brother. Masha Allah all of you are business men. What do you think? Do you think you could sell the house to get the money or work and give back one by one?.... Atleast you are working. Thank Allah for the blessings. I didn't quite understand the question but I suggest you should sell the house.
asslamalaikum-
3 days ago they agreed for selling house, but now they disagreed so what is best way to solve this issue..
TELL YR PARENTS DO ISTAKHARA AND WAIT IF ALLAH WILLS THEY WILL GET THE INCLINATION TO SELL TELL THEM-THIS HADEES-
To be done before Janazah: The first duty for a deceased before Janazah is to arrange for repayment of his debt. For this, if all properties of the deceased are to be sold, that should be done. But if there is nothing to repay, then his near relations, society, organization or the government will bear the responsibility
Debts...Dying individuals may have in their possession certain items belonging to others. If that is the case,they should return them as soon as they are able to do so, in order to avoid having to pay them back from their good deeds on the Day of Judgement.
The Prophet (sm) personally did not say salat-i-janazah of a person who is a debtor, who committes suicide, who misappropriates theBaitul Ma-l (i.e. public fund) or the Property of others, but asked others to say his Janazah. [25] ‘This was out of teaching morality by Him’.[26]
) In another hadeeth it is stated that the soul of a believer is hung with his debts, and he will not enter the Heaven, until and unless it is repaid.[30]
SO TELL YR PARENTS THEY CANT DODGE THE PEOPLE HAVING THE VALUEABLE PROPERTY TEN TIMES ORE THAN THEIR DUES IN THE FRIENDS AND RELATIVES-
TELL THEM IF THEY DIE THEY CANNOT BE FREE FROM THE BURDEN DUE TO THE DEBTS THEY WANTEDLY DENIED TO REPAY BACK..
SO TELL THEM TO SELL AND CLEAR THE DUES IT IS MATTEROF RESPECT WHICH HE WILL GET IF HE PAYS THEM OR ELSE DEATH IS IMMINENT AND THEN SALAH CANNOT BE DONE IF HE AS ANY DUES ON HIS HEAD THIS WILL MAKE HIS CONCIENCE AWAKEN TO THE TRUTH-OF THE ABOVE HADEES ON DEBTOR-
REGARDS
As Salaamu Alaikum wa Rahmatullahi wa Barakatuhu...
Dear Akhi,
You have a lot going on, but not to worry..
I would first suggest praying two rakat Istikhara. It's really hard to give a clear advice when other people are involved, so Allah knows best. I would start there and see where it goes.
As Salaamu Alaikum wa Rahmatullahi wa Barakatuhu
I wouldn't rush and sell the house or anything for that matter.
The people who you owe money to, you said yourself are family and friends. Whoever you borrowed money from, i would advise you to invite them over and calmly tell them what is happening, and by when you think you will be able to pay them back. If you tell them that you are definitely planning on paying them back, i am sure they will understand. other than that, i'd advise you to handle the situation with caution.
Salaams,
Your household consists of your parents, yourself, and your siblings. I'm assuming that your parents are the one who obtained the house you all now live in, and it's most likely that your father is the one who paid most, if not all, of the cost of obtaining it.
Ultimately, it was your decision to take loans to pay for your sister's wedding. Even if your mother or father proposed the idea, or your siblings supported it, it was your choice to do that on your own. Your parents are not obligated to help you repay a loan that they did not take out themselves, so to ask them to sell their house they obtained on their own to settle your debts is unreasonable.
However, if it was your father who took out the loan (not you), the responsibility for repayment would be squarely on his shoulders. It would be unfair to expect his wife, or his daughter, or any of his kids, to help him repay a debt he took on his own authority.
As the man of the home and father/husband to you all, it's still his God-given duty to maintain his wife and daughters who are living in the home (excepting your sister who married, since her husband is the one who would be maintaining her). You and your brothers should do as much as you can to support yourselves (as far as the cost of feeding/clothing yourselves, and any money given toward common bills such as electricity and water that you all have a share in consuming) for as long as you choose to remain in your parents home. Because your father and other family members have so much to worry about of their own duties, you shouldn't be expecting them to help you unless they freely choose to do so.
See what resolutions you can come up with that don't require someone else making a sacrifice on your behalf. This is a good lesson learned about debt, because we often think that if we take on a loan that others will help us repay it when in reality it's our sole responsibility to make sure all accounts are settled in full.
-Amy
IslamicAnswers.com Editor
Here is what I suggest. Retain the house. If you have Gold then deposit as security or sell it off all together to repay the debt.
Secondly, look for a new job.
Last, do not be restless and take an impulsive decision.