Do the prayers and acts of worship of the indebted person get accepted?

Debt is a serious matter, and many hadiths warn against it. If a Muslim takes on debt, they must sincerely intend to repay it. For whoever borrows with the intention of repaying, Allah will help them repay. "Whoever takes people's money intending to repay it, Allah will repay on his behalf. And whoever takes it intending to destroy it, Allah will destroy him."

Debt does not prevent the acceptance of good deeds. If the borrower is in need and intends to repay but then becomes unable, there is no blame on them, and they are not included in the hadiths of warning; it is hoped that Allah will repay on their behalf. However, whoever takes money intending to procrastinate and not repay is in grave danger, and "The soul of the believer is suspended by his debt until it is paid off." This warning applies to those who leave behind money with which their debt can be paid, or who borrow without intending to repay. As for one who dies incapacitated or intended to repay but was unable, the warning does not apply to them.

Whoever intends to procrastinate must repent, feel remorse, and fulfill their obligations. If they are unable, they must record what they owe in their will with the intention of repaying it whenever they become able.