Is a person sinful for delaying the repayment of their debt due to difficult financial circumstances? And is it obligatory to name a newborn with the name a person saw in a dream?

The one in hardship is not sinful for delaying debt repayment. His creditor must grant him respite until he finds ease, in accordance with the Almighty's saying: "And if there is one in hardship, then grant him respite until ease. But to remit [it in charity] is better for you, if you only knew." Acting upon a dream is not obligatory by the consensus of scholars. It is advisable to supplicate frequently to ask Allah for help in repaying debts.