In his response to this issue, Dr. Rajab AbuMleeh, Ph. D. in sharia stated:
Debt does not prevent Hajj as long as a person has a property that from which he can pay off his debts, if he could not return from hajj , on condition that he writes a will containing all his debts for his heirs before his departure.
However, if a person does not have enough possessions to pay his debts off from, he has to wait till he pays them and after that he can go for Hajj. If, however, he goes for Hajj while he is in this situation, his hajj will be valid, but it is disliked”.