What is the ruling of Islamic law regarding a guardian who uses the orphans' money (their monthly allowance) for himself and his children, integrating this money into his personal life, while failing to settle the debts of the deceased inheritor?

It is permissible for a poor guardian to partake of an orphan's wealth in a reasonable manner, which is the lesser of what suffices him or his wage. Some say: he may take what suffices him absolutely. Any surplus beyond the orphan's needs must be saved or invested without risk. It is forbidden to consume an orphan's wealth unjustly. The deceased's debt must be settled from his estate before its division, and a bequest to an heir is not permissible without the consent of the other heirs.