Is it obligatory to return financial trusts (money) to their owner before going to Hajj, or can one keep them until returning?

It is recommended for someone who holds trusts and deposits for people and intends to perform Hajj to return them to their owners, fearing that he might not return and they would be lost. Imam An-Nawawi mentioned that it is recommended for one who intends to travel (like for Hajj) to repent from sins, rectify injustices against people, settle his debts, return deposits, seek forgiveness from those he has dealt with, write his will, appoint someone to settle his debts that he could not settle himself, and leave sustenance for his family and those whose upkeep is incumbent upon him.