Is it permissible to take a loan from a bank to pay off an immediate debt that its owner cannot endure?

Borrowing with interest (riba) is forbidden in Islamic law. It is one of the major sins and incurs damnation and the removal of blessings. It is not permissible except in cases of dire necessity that would lead to ruin, such as fear of imprisonment. However, repaying debts while in a state of insolvency does not fall under the category of necessity that permits borrowing with interest.