al-Moulakhas al-FiqhiSalih Al-Fawzan

Ruling Three: Once the debtor has been placed under interdiction, no claims may be pursued against him until the ban is lifted. Whoever sells something to him or extends him a loan during this period must wait until the interdiction is removed before seeking repayment.

Ruling Four: The judge must sell the debtor’s assets and distribute the proceeds among his creditors in proportion to the debts that are presently due, for this is the very purpose of the interdiction, and delaying it would be a form of procrastination and injustice toward them. The judge, however, leaves the insolvent whatever he requires for housing, maintenance, and similar necessities.

Deferred debts do not fall due by reason of the debtor’s insolvency and therefore do not compete with debts that have already matured. The deferment is a right belonging to the insolvent and, like his other rights, cannot be revoked; such debts remain in his liability. After the debtor’s property has been divided among those holding immediate claims, if those claims are fully satisfied and nothing of them remains, the interdiction lapses automatically, without a new judicial ruling, because its cause has disappeared. If, however, any portion of the current debts remains unpaid, the interdiction will not be lifted except by a judge’s order, for the one who imposed the ban is the one who must revoke it.

The second category of interdiction:
This is the interdiction imposed for a person’s own benefit, to safeguard his wealth and preserve it for him. This religion is a religion of mercy: it urges every course that brings benefit and warns against every course that brings harm. Among its manifestations is that it grants anyone who is competent to manage property and engage in commerce the freedom to do so, provided he remains within the bounds of lawful earning.

الحكم الثالث: انقطاع المطالبة عنه بعد الحجر عليه إلى أن ينفك عنه الحجر، فمن باعه أو أقرضه شيئا خلال هذه الفترة؛ طالبه به بعد فك الحجر عنه. الحكم الرابع: أن الحاكم يبيع ماله، ويقسم ثمنه بقدر ديون غرمائه الحالَّة؛ لأن هذا هو المقصود من الحجر عليه، وفي تأخير ذلك مطل وظلم لهم، ويترك الحاكم للمفلس ما يحتاج إليه من مسكن ومؤنة ونحو ذلك. أما الدين المؤجل؛ فلا يحل بالإفلاس، ولا يزاحم الديون الحالة؛ لأن الأجل حق للمفلس، فلا يسقط؛ كسائر حقوقه، ويبقى في ذمة المفلس، ثم بعد توزيع ماله على أصحاب الديون الحالة، فإن سددها ولم يبق منها شيء؛ انفك عنه الحجر بلا حكم الحاكم؛ لزوال موجبه، وإن بقى عليه شيء من ديونه الحالة؛ فإنه لا ينفك عنه الحجر؛ إلا بحكم الحاكم؛ لأنه هو الذي حكم بالحجر عليه؛ فهو الذي يحكم بفك الحجر عنه. النوع الثاني من أنواع الحجر: وهو الحجر على الإنسان لحظ نفسه بحفظ ماله وتوفيره له؛ لأن هذا الدين دين الرحمة، الذي لم يترك شيئا فيه مصلحة إلا حث على تعاطيه، ولا شيئا فيه مضرة، إلا حذر منه، ومن ذلك أنه أفسح المجال للإنسان الذي فيه أهلية للتصرف ومزاولة التجارة في حدود المباح الكسب

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