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Text and translation
English translation
1965. It was narrated from Abû Hurairah that if a believer died with debts outstanding, the Messenger of Allâh ﷺ would ask whether he had left behind anything to pay off his debts. If they said yes, he would pray for him, but if they said no, he would say: "Pray for your companion." Then, when Allâh made His Messenger ﷺ rich through conquest, he said: "I am closer to
the believers than their own selves. Whoever dies and leaves behind a debt, I will pay it, and whoever leaves behind wealth, it is for his heirs.” (Sahih)
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Commentary
In the early period of Islam only Allâh's Messenger ﷺ used to refuse to offer the funeral prayer over the dead laden with debt so that people may not grow slothful in the paying back of their debts. Other people used to perform the funeral. However, there is no such instance when a single sinning Muslim was buried without praying the funeral prayer over him.