Is it that anyone who leaves behind a debt even if the debt was taken before he accepted Islam will be tormented in his grave? Or is it possible that he still sees the angel of Mercy if he was trying to pay his debt off? Is there a difference between the one who sincerely wants to pay back his debt compared to the one who does not intend to pay back ? Many of us Westerners have accumulated debt before we accepted Islam and are stuck in these debts.