Debt doesn’t leave with your body—it follows you into the Barzakh. The soul remains suspended until its dues are settled, held back from its final destination. If unpaid debts weigh so heavily, what about the burden of riba (interest)? The Prophet ﷺ saw its punishment—people drowning in a river of blood, never reaching the shore. Meanwhile, charity multiplies your wealth in this life and builds your home in the next.