In the Sunan of Imam at-Tirmidhi wherein the Prophet (Pbuh) said, is that the soul of the believer after he’s died inside the grave is being held back, tied to the debt that was outstanding, that he had to pay off somebody else until somebody pays it off on his behalf.
It means that the soul itself will be suspended in limbo where the person will not know; Am I going to be punished? Am I going to be rewarded? Am I going to the hell fire? Am I going to Paradise? And that state of uncertainty is enough to become a source of torture for that person.
And that is why the prophet (Pbuh) said, until somebody then settles that for you.
This hadith first to teaching us that, look, don’t borrow money that you know you can’t pay off. live within your means and don’t let greed get the better of you. Because debt is going to follow you into the grave and you’re going to suffer as a consequence.
So don’t spend what you don’t have and live within your means, then don’t borrow if you really in really don’t need to borrow that money.
Before you split the inheritance, you must pay off your mum’s or your dad’s debt.