AhsanAllahu ilaykum Ustādh. There is a story of a Salaf who called someone bankrupt and later became bankrupt himself. Was this because he did not repent, or can the effect of such a sin still occur after sincere repentance? Q2: Would u recommend the foundational dawrah to a complete beginner

Ustadh AbdulAziz al-Haqqan

Allah knows best if the individual has repented or not. Sincere repentance removes the sin and punishment in the dunya and hereafter. I recommend the program in this academy the most.