Returning outstanding money to the creditor

Q: I have taken/borrowed some money from a shop as I do not have enough money. I told the shopkeeper that I will give you the remaining amount next time I come, so he agreed and he further reminded me to pay otherwise on dooms day Allah will ask me about it. I didn't give him the remaining amount but now few months later I visited his shop to pay the remaining amount but the shop has been closed. When I asked about him from some of his neighbour's shops, they told me that he has closed his shop from here. I want to pay him his remaining amount. Can you guide me what I have to do?

Medical aid

Q: In South Africa where government hospitals do not treat patients and private hospital fees are unaffordable, is it permissible to take out a medical aid/hospital plan for health reasons? The medical aid/hospital plan offers the following:

1. Unlimited private hospital cover.

2. Full specialist cover in hospital.

3. Monthly chronic medication.

2) Is it be permissible to take monetary compensation in places where the medical aid/hospital plan is not accepted?

Designing 'reborn dolls'

Q: I am a fairly new Muslim and I'd like a little bit of help on something. I have a hobby called, ' reborn dolls' heres a bit of information about the ' reborn dolls':

Reborn doll. A reborn doll is a manufactured skin doll that has been transformed by an artist to resemble a human infant with as much realism as possible. The process of creating a reborn doll is referred to as reborning and the doll artists are referred to as reborners. Women, intend to use 'reborn dolls' of a way to get rid of anxiety or stress or struggle with child loss. Or to prepare for an actual real baby!

I've even heard colleges use these to prepare nurses and etc how to deal with babies? Is this hobby Haram? Could you give me advice on what I should do? 

Marital problems

Q: I have been going through a rough time in marriage (domestic abuse) from in laws and i didnt want to leave the house but had no choice but to do so as I was expecting and they had beated me while I was expecting. It's been 7 months, my husband has not seen our baby because he is saying I have taken his happiness away from me and my husbamd are good I love him a lot bit he just cant support me. I got istikhara done by someone and it came out as surah rehman ...could you tell me what this means also could you do dua for me that me and inkaws hublsband work it out as i dont want to leave him.....also could you tell me a piwerful dua to read as i want him to come to me ....and everything gets sorted out.