Surah Al-Baqarah — 2:280
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وَإِن كَانَ ذُو عُسۡرَةٖ فَنَظِرَةٌ إِلَىٰ مَيۡسَرَةٖۚ وَأَن تَصَدَّقُواْ خَيۡرٞ لَّكُمۡ إِن كُنتُمۡ تَعۡلَمُونَ
If it is difficult for someone to repay a debt, postpone it until a time of ease. And if you waive it as an act of charity, it will be better for you, if only you knew.
Commentary
If the person from whom you demand your debt is in hard times and is unable to repay the debt, then refrain from asking until he is able to obtain money and then pay the debt. And to give charity to him by not demanding the debt or giving up a part of it is better for you, if you knew its worth in the sight of Allah.