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Abu Qatadah (May Allah be pleased with him) reported:
The Messenger of Allah ( may the peace and blessings of Allah be upon him ) said, "He who likes Allah to deliver him from the calamities of the Day of Resurrection, let him either give respite to a debtor or grant him remission (of loans) in straitened circumstances."
Cooperation on righteousness and piety is one of the fundamentals of Islam, under which all the origins of ethics gather, and upon which all the believing hearts gather.
Cooperation is the mutual help between man and his fellow human being, in a way that brings benefit and wards off harm from each of them.
The Islamic law is based on preserving the interests of people in the worldly life and in the Hereafter.
People will continue to cooperate on righteousness and piety as long as they adhere to the spirit of Islam. Otherwise, once the faith decreases, people lack the religious committment and the hearts turned to self-centeredness they will surely fail to cooperate on righteousness and piety.
When one feels that he lives alone, and no one feels his suffering if he is hungry or sick or in case he is in trouble, even though he lives in a land where every one is busy with his own affairs.
This commandment is an invitation to us to protect ourselves from the distress of the Day of Judgment by relieving the suffering of people. Therefore, one will reap what he sowed;
He who relieved the distress of his brother through spending some of his money to fulfill his need and bring pleasure to him so that he feels that he is not alone in this life, thus seeking the contentment of Allah - the Almighty. Allah will relieve him from many hardships because of relieving his brother from this distress, based on the Islamic principle the reward of the good deed will be multiplied- at least ten times - as much as sincerity of the slave.
There is no difference between the one who gives the insolent, the one who fulfills his need, and the one who puts off his debt in whole or in part, or gives him a respite.
In case if the idebted is a poor and the like of the needy people, then it is recommended to give up the loan for the sake of Allah.
There is no doubt that he who gives repite to the insolvent is indeed of the generous people. Indeed if the slave treats people generously, Allah will treat him in a far generous way.
In return for his good deed, Allah will surely pardon him on the Day of Resurrection.
The Prophet ( may the peace and blessings of Allah be upon him ) used to treat the people generously and to treat the sinners with forbearance.