Imam Sadiq (peace be upon him) has stated: One who desires that God shelters him on the Day when there shall be no shelter save His, should either grant respite to one, who owes money to him or relinquish the money that is owed to him.
Once on an extremely hot day, the Holy Prophet (peace be upon him and his holy progeny), while sheltering himself from the sun by means of his hands said: Who is it that desires to be sheltered from the intense heat of Hell? He repeated this sentence three times and on all the three occasions the people said: We, O’ Prophet of God!
He (peace be upon him and his holy progeny) then said: One, who grants respite (in the repayment of debt) to his debtor or relinquishes the money that is owned to him by an indigent person (shall be sheltered from the severe heat of Hell).( I’lm-e-Akhlaaq-e-Islami, vol. 2, pg. 214. )