When the Day of Resurrection comes, a man's wealth and capital will be his hasanaat (good deeds). If he had done wrong to any people, they will take from his hasanaat to the extent that he mistreated them. If he does not have any hasanaat, or if his hasanaat run out, then some of their sayi'aat (bad deeds) will be taken and added to his burden.
Bukhari narrated on the authority of Abu Hurayrah (RadiyAllahu Anhu) that the Messenger of Allah (Sallallahu Alayhi Wa Sallam) said:
"Whoever wronged his brother with regard to his honour or any other matter, should seek his forgiveness today, before there are no longer any dinars, or dirhams; and if he has any righteous deeds, they will be taken from him, in accordance with the wrong he did; and if he has no hasanaat, some of the sayi'aat of his counterpart will be taken and added to his burden.”
[Bukhari: Kitaab al-Mazaalim, Baab man kaanat lahu mazlamah 'inda rajul, Fath al-Baari, 5/101]
This person whose hasanaat are taken from him by the people, and then has their sayi'aat placed on his own back, is the one who is bankrupt, as the Messenger of Allah (Sallallahu Alayhi Wa Sallam) called him. Muslim narrated from Abu Hurayrah (R.A.) that the Messenger of Allah (sallallahu alayhi wa sallam) said:
"Do you know who is the one who is bankrupt?" They said, "The bankrupt is the one who has no money and no possessions."
He (S.A.W.S.) said:
"Among my ummah, the one who is bankrupt is the one who will come on the Day of Resurrection with prayer and fasting and zakah (to his credit), but he will come having insulted this one, slandered that one, consumed the wealth of this one and shed the blood of that one, and beaten that one. So they will all be given some of his hasanaat, and when his hasanaat run out, before judgement is passed, some of their sins will be taken and cast onto him, then he will be cast into the Fire."
[Muslim: 4/1998, hadith no. 2581.]
If a debtor died when he still owed money to people, they will take from his hasanaat whatever is in accordance with what he owes them. In Sunan ibn Maajah it is narrated with a saheeh isnaad that Ibn 'Umar (radhiallahu anhu) stated: The Messenger of Allah (sallallahu alayhi wa sallam) said:
"Whoever dies owing a dinar or a dirham, it will be paid from his hasanaat, for then there will be no dinars or dirhams.”
[Saheeh al-Jaami' as-Sagheer, 5/537, hadith no. 6432.]
If people wronged one another, the score will be settled between them. If they mistreated one another equally, then there will be no score to settle. If one of them is still owed something by the other, he will take what he is entitled to.
In Sunan at-Tirmidhi it is narrated that 'Aa'ishah (RadiyAllahu Anha) said:
"A man came and sat in front of the Messenger of Allah (sallallahu alayhi wa sallam), and said: 'O Messenger of Allah, I have two slaves who tell me lies, betray and disobey me, and I insult them and beat them. What is my position with regard to them?”
The Messenger of Allah (sallallahu alayhi wa sallam) said:
"On the Day of Resurrection, their betrayal, disobedience and lying will be measured against your punishment of them. If your punishment is commensurate with their wrongs, then there will be no score to settle. If your punishment of them was less than their sins deserved, then this will count in your favour. If your punishment of them was more than their sins deserved, then the score will be settled against you."
The man turned away and started to weep.
The Messenger of Allah (sallallahu alayhi wa sallam) said to him:
"Have you not read the words of Allah?" -
“And We shall set up Balances of justice on the Day of Resurrection, then none will be dealt with unjustly in anything. And if there be the weight of a mustard seed, We will bring it. And Sufficient are We to take account.”
(Qur'an 21: 47)
[Mishkaat al-Masaabeeh, 3/66, hadith no. 5561. It is also narrated in Saheeh al-Jaami`, 6/327, hadith no. 7895, where it attributed to Ahmad and Tirmidhi.]
Because zulm (oppression) is such a serious matter, it is better for those who fear that Day to give up oppression and avoid it. The Messenger (sallallahu alayhi wa sallam) has told us that oppression will be darkness on the Day of Resurrection.
Bukhari and Muslim narrated from 'Abdullah ibn 'Umar (R.A.) that the Prophet (sallallahu alayhi wa sallam) said:
"Oppression (zulm) will be darkness (zulumaat) on the Day of Resurrection."
[Bukhari: Kitaab al-Mazaalim, Baab az-Zulm Zulumaat Yawm al-Qiyaamah, Fath al-Baari, 51100; Muslim, 4/1969, hadith no. 2579.]
Muslim narrated from Jaabir ibn 'Abdullah (R.A.) that the Messenger of Allah (sallallahu alayhi wa sallam) said:
"Beware of oppression (zulm), for oppression will be darkness (zulumaat) on the Day of Resurrection."
[Muslim: 4/1969, hadith no. 2578.]
May Allah (SWT) Guide Us And Protect Us From Being Among The Zaali'mun On The Day Of Resurrection.