A: First:
Financial capability is an essential requirement for Hajj. Once a Muslim is financially capable, Hajj becomes obligatory on them. In case of debt, the debtor may perform Hajj if Hajj does not prevent them form fulfilling their debts or if the creditor satisfactorily permits the debtor to perform it. Otherwise, just to be on the safe side, one may delay performing Hajj until after they repay their debt. However, their Hajj will be valid if they perform it.
Second:
You are permitted to accept the gift as long as you know it was earned lawfully.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.
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