Sayyidi wa sanadi Mawlana Mohammad Taqi Usmani (Allah preserve him) instructs those approaching him for reformation (islah), 

‘If there are pending financial obligations prompt arrangement must be made to pay these  dues.

If the payment is not possible immediately then one should inform the owner and request for a grace period.

Then one should really strive meticulously to repay. This must be considered the topmost priority.’

Dastur al-amal baraay talibeen e islah, page 5-6