Taking a loan from the bank to pay off other debts

Q: I’m in a deep and serious problem with which I need some guidance. I’m in a deep debt, owing few private individuals money and I’m owing the bank also. I’ve realized the evil of riba and sincerely made and continue making taubah and asking Allah to for help to come out of debt.

Currently I’m paying little here and there just so that I pay the monthly installments as not to get into problems. Now the main concern is the private individuals are putting pressure that they need their money and I’m unable to pay them.

My question is:

Can I take another loan from the bank (as it is I am already in riba owing the bank) to pay the private individuals so that I will have only 1 debt after that and I can concentrate nicely and try as quick as possible to pay that amount off.

The way it is, paying little all over is not helping, it’s been carrying on like this for the past 2 years already and the loan is not coming down. 

A: Explain to your creditors that you do not intend delaying and you are under financial constraints and this is the reason for the delay. Don't ever take any assistance from the bank.

And Allah Ta'ala (الله تعالى) knows best.


Answered by:

Mufti Ebrahim Salejee (Isipingo Beach)