The Law of Tithing

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Question

I am married and working, I bought an apartment and am in debt. Am I obligated to give ma'aser (tithing)? And can I deduct a debt that a poor friend owes me from ma'aser funds (a debt that the friend is repaying over a long period in installments)?

Answer

Shalom Rav

A person who has debts, his obligation depends on the circumstances. If he has a payment plan that he adheres to, so that he has enough for his monthly expenses, he is obligated to give ma'aser. However, if he does not have enough to cover his expenses, he is exempt from ma'aser.

It is permissible to deduct a debt that a poor friend owes you from ma'aser funds.

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