What is the ruling on performing Umrah while one has outstanding obligations to people? And is it permissible to give the value of stolen goods as charity on behalf of their owners, to avoid exposure to scandal, given that it is impossible to return them directly to them?

Theft is forbidden in Islam, and repentance from it is accepted if its conditions are met. Since the questioner regrets what she did, her repentance is sincere. What remains is for her to return the stolen money to its owners. It is not necessary to inform them of the truth; rather, it can be returned in the form of gifts, deposited into their accounts, or by thanking them for a previous kindness and sending the money as a gift. The important thing is to deliver the rights to them by any means without causing embarrassment. It is not permissible to give the money in charity on their behalf as long as they are known. As for those whose whereabouts are unknown, she should give the stolen amount in charity on their behalf with the intention of guaranteeing it. Do not go for 'Umrah with your own money before repaying the stolen amounts, unless your family covers the expenses of 'Umrah. As for Hajj, it is valid and sins do not affect it, for Allah is just and rewards good deeds.