1. Am I obligated to include my debts in my will, knowing the difficult circumstances of my family? 2. Does the noble verse "And do not make your hand shackled to your neck..." include charity, and is my understanding that it is a "loan" that returns in this world and the hereafter correct, and if not, what is your guidance for rationalizing charitable funds? 3. Can I be provided with a phone number or email address of a scholar to help me set a plan for seeking Sharia knowledge over ten years?

A person's testament regarding non-obligatory but recommended rights is permissible, unless these rights are unknown and there is a fear of them being lost. As for a testament to settle known debts and rectify known injustices, it is recommended. Heirs should not divide any part of the inheritance until the deceased's debts are paid from it. Heirs are not obligated to voluntarily pay off their deceased's debt if he left no assets to cover it. If the debt exceeds the inheritance, the heir is not compelled to pay the excess.