Many people treat debt as if it's no big deal. "It's just debt, I'll pay it back when I have the money." Some even rationalize it: "As long as I intend to pay, that's what counts, right?" But in Islam, not paying your debts when you're capable is a major sin, it's basically theft. What's worse, the sin of debt cannot be forgiven simply through repentance and seeking forgiveness, as is the case with other sins.