[Lukongsimi]

If a kind soul paid my debt, the loan shark got paid and that means the loan shark did not write off (forgive) my debt. 

If the loan shark writes off (forgive) my debt, no one need to pay my debt because there is no more debt.

I never come across a Muslim questions our belief even at my workplace 
U are the only one.
we respect each other n even go to their house for hari raya brought them gifts we chat share food n that is love your Neighbour as what is commanded by Jesus Christ.