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Zaid Alsalami,
Shaykh Dr Zaid Alsalami is an Iraqi born scholar, raised in Australia. He obtained a BA from Al-Mustafa University, Qom, and an MA from the Islamic College in London. He also obtained a PhD from ANU, Canberra. He has written and translated several Islamic texts and also prepared educational videos on Islamic rulings and practices. 707 Answers
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Sayyed Mohammad Al-Musawi,
Sayyed Mohammad al-Musawi is originally from Iraq and heads up the World Ahlul Bayt Islamic League in London. Other than being involved in various humanitarian projects, he frequently responds to religious questions. In the past, he has also spent significant time in India guiding the community. 3749 Answers
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Zoheir Ali Esmail,
Shaykh Zoheir Ali Esmail has a Bsc in Accounting and Finance from the LSE in London, and an MA in Islamic Studies from Middlesex University. He studied Arabic at Damascus University and holds a PhD from the University of Exeter in the philosophical and mystical readings of Mulla Sadra in the context of the schools of Tehran and Qum. 374 Answers
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Abbas Di Palma,
Shaykh Abbas Di Palma holds a BA and an MA degree in Islamic Studies, and certifications from the Language Institute of Damascus University. He has also studied traditional Islamic sciences in London, Damascus and Qom and taught for different institutions in Italy and UK. 208 Answers
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Sayyed Muhammad Husaini Ragheb,
Sayyed Muhammad Husaini Ragheb has a BA in Law from Guilan University, Iran and has also undertaken Hawzah studies in Qom. He used to be a Cultural Affairs director of Ethics Group of Al-Mustafa Open University. He obtained his Master's degree in Applied Ethics and now is a PhD candidate in Islamic Ethics besides doing his Bahse Kharej in Qom Hawza. 81 Answers
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Seyed Ali Shobayri,
Seyed Ali Shobayri is of mixed Iranian and Scottish descent who found the path of the Ahlul Bayt (a) by his own research. He holds a BA in Islamic Studies from Middlesex University through the Islamic College of London. He also studied at the Hawza Ilmiyya of England and continues Hawza and Islamic studies with private teachers. 162 Answers
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Bismihi ta'ala
Khums must be paid in its due time, without delay, and one must fulfil what is in their dhimmah, so as to not fall in sin and to make what they purchase from that due money halal and not usurped.
The solution to this, if someone is not able to pay the complete amount or any amount in its due time is to do what we call a Muṣālaḥa.
A Muṣālaḥa is a mutual agreement and solution agreement between the mukallaf and the Marja' taqleed or his wakeel.
What happens is the mukallaf speaks to his/her Marja' or his wakeel, and explains that they cannot pay their due khums, and it is transferred in a technical way from khums to a long-term or short-term loan. The mukallaf will then be responsible to honour the loan and it is to be given whenever they are able to.
By doing this, the mukallaf will be free of khums payment until that time, and their money will be halal.
So, best thing to do is to speak to the local wakeel of your Marja'.
And Allah knows best