The Messenger of Allah ﷺ said, "There is no man possessing wealth who fails to pay what is due on it but that it will be made into a collar around his neck, a bald-headed serpent, and he will flee from it while it pursues him."Then he recited its confirmation from the Book of Allah , "And let not those who withhold miserly what Allah has given them of His bounty think that it is good for them. Rather, it is evil for them. What they withheld will be hung around their necks on the Day of Resurrection" [Al Imran 3:180].
قال رسول الله ﷺ: ما من رجل له مال لا يؤدي حق ماله إلا جعل له طوقا في عنقه شجاع أقرع وهو يفر منه وهو يتبعه ثم قرأ مصداقه من كتاب الله عز وجل: {ولا يحسبن الذين يبخلون بما ءاتىهم الله من فضله هو خيرا لهم بل هو شر لهم سيطوقون ما بخلوا به يوم القيمة} [آل عمران: ١٨٠].
Tirmidhi (3012), Nasai (2441), and Ibn Majah (1784) all narrated it from the hadith of Sufyan bin Uyayna, from Jami (that is, Ibn Abu Rashid), from Abu Waail, from Abdullah, and he mentioned it.Tirmidhi said, hasan sahih, and Ibn Khuzayma (2256) declared it sahih.The meaning of his statement, "a bald serpent," is a snake.