The Deceased's Debts & Receivables
List the deceased's debts (to be settled from the estate) and receivables (dues owed to the deceased that must be collected into the estate).
The deceased's debts (deducted from the estate)
- Debts to Allah: Unpaid zakat, fidyah, vowed hajj, kaffarah.
- Debts to individuals: Personal loans from individuals, outstanding mahr, outstanding maintenance.
- Debts to organisations: Bank loans, credit cards, financing, PTPTN, LHDN taxes, hospital / utility bills.
Debts to Allah
RM 0.00
Given priority — Mazhab Syafi'i
Debts to individuals
RM 0.00
Debts to organisations
RM 0.00
Total debts of the deceased
RM 0.00
The deceased's receivables (added to the estate)
Money others owe the deceased — loans given out, unpaid salary/commission, refundable deposits. Heirs are obliged to make an effort to collect it before the estate is distributed.
Total receivables (adds to the estate)
RM 0.00
Estimated estate balance (optional)
Important notes
- Order of applying the estate: (1) funeral management expenses, (2) the deceased's debts, (3) bequests up to 1/3, (4) faraid to the heirs.
- Settling the deceased's debts is obligatory and must be expedited — the Prophet SAW said: the believer's soul is suspended by his debt until it is settled (narrated by al-Tirmidhi).
- Financing covered by takaful (e.g. home MRTT) may already have been settled by the takaful provider — check before deducting from the estate.
- Uncollected receivables still count as estate assets; obtain written proof and collect them before distribution.
- For reference only. For specific cases, consult the mufti's office / Amanah Raya / the estate administrator.
