The story to reflect

 The story to reflect 

 The hadith of the man who entered jannah for being kind to those who are indebted to him. 

It was narrated from Abu Hurairah that the Messenger of Allah said:

There was a man who never did any good deed, but he used to lend to people and he wouldsay to this messenger: "Take what can be paid easily and leave what is difficult, let them off, and perhaps Allah, the Mighty and Sublime, said to him: 'Did you ever do any good did? He said: No, but I had a slave and I used to lend to people. When I sent him to collect the debts I said to him: Take what can he paid easily and leave what is difficult; let them off, and perhaps Allah will let us off. Allah, the Most High, said: 'I have let you off."'

Sunan an-Nasa'i 4694.

So being kind to those whom we are indebted to is a charity

Allah says, 

Al-Baqarah 2:280

وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍۚ وَأَن تَصَدَّقُوا۟ خَيْرٌ لَّكُمْۖ إِن كُنتُمْ تَعْلَمُونَ 

And if someone is in hardship, then [let there be] postponement until [a time of] ease. But if you give [from your right as] charity, then it is better for you, if you only knew.