Is the Hajj of one who has not paid off his debts valid?
Question

                I went for Hajj in 1422 AH, but I owed some debts to some people. The reason was that I gave loans to some people, but they betrayed me and did not return the money to me, and I was responsible for returning this money. I asked a shaykh whether it was permissible for me to do Hajj when I had not yet repaid my debts, and he said yes, it is permissible, because you know that you are going to pay them back, in sha Allah.

After that I read your answer to the same question and I found it was different to what I had been told.

Is my Hajj acceptable? Because I went for Hajj when I had not repaid the debts I owed, and I did not ask the creditors for their permission.

If my Hajj is not acceptable, what should I do? Is my first Hajj the obligatory Hajj and the second one Sunnah?
Praise be to Allah.
    The questioner should not ask and the one 
    who responds should not answer questions about the acceptability of deeds of 
    worship, because the issue of whether they are acceptable is to be decided 
    only by Allah. Rather one should ask and respond concerning the validity of 
    acts of worship and whether they fulfilled the necessary conditions and 
    essential parts. 

    If a person does Hajj when he owes money 
    to other people, his Hajj is valid if he did all the essential parts and 
    fulfilled all its conditions. Wealth or debt has nothing to do with the 
    validity of Hajj. 

    However it is preferable for the one who 
    owes debts not to do Hajj, and to use the money that he would spend on Hajj 
    to pay his debts, because he is not regarded as able to do Hajj according to 
    sharee‘ah. 

    There follows a fatwa of the scholars of 
    the Standing Committee concerning this issue:

    1.    
    They said – when they were 
    asked about one who took out a loan in order to do Hajj - : 

    The Hajj is valid, in sha Allah, and your 
    borrowing money does not affect the validity of the Hajj. 

    Shaykh ‘Abd al-‘Azeez ibn ‘Abdullah ibn 
    Baaz, Shaykh ‘Abd ar-Razzaaq ‘Afeefi, Shaykh ‘Abdullah ibn Ghadyaan

    End quote from Fataawa al-Lajnah ad-Daa’imah 
    li’l-Buhooth al-‘Ilmiyyah wa’l-Ifta’ (11/42) 

    2.    
    They also said: 

    One of the conditions of Hajj being 
    obligatory is that one should be able to do it, which includes being 
    financially able. If a person owes a debt, in the sense that the creditors 
    are asking for it and would not allow him to go for Hajj until after he has 
    paid his debt to them, then he should not do Hajj, because he is not able to 
    do it. If they are not asking for it and he knows that they are easy-going, 
    then it is permissible for him, and his Hajj may be a means of bringing him 
    goodness so that he will be able to pay off his debts. 

    Shaykh ‘Abd al-‘Azeez ibn ‘Abdullah ibn 
    Baaz, Shaykh ‘Abd ar-Razzaaq ‘Afeefi, Shaykh ‘Abdullah ibn Ghadyaan 

    End quote from Fataawa al-Lajnah ad-Daa’imah 
    li’l-Buhooth al-‘Ilmiyyah wa’l-Ifta’ (11/46) 

     See also the answer to question no.
    41739.