One of the women is saying that if a pregnant woman reads Soorat az-Zalzalah, the foetus will be miscarried because of reading this soorah. She also says that if she goes for ruqyah as prescribed in Islam, she had to tell the raaqi that she is pregnant so that he can avoid reciting Soorat az-Zalzalah over her, so that the foetus will not be miscarried. Is this true? May Allah reward you with the best of rewards and benefit the ummah by means of you.

In our country we have been affected by war and we were expelled from our land 23 years ago. Praise be to Allah, my father and I are settled now and we have a business. We borrowed money in order to settle and start a business, the value of which was 1 million. When we worked out the value of zakaah that we owe on the property and trade goods that we have in our possession, it was estimated to be 7 million, and the trade goods on which zakaah is due are worth 5 or 6 million. 
My questions are: 
1. Are we required to pay zakaah, as we have not paid it all these years because we were not able to pay off the debt of 1 million? Was it correct for us not to pay zakaah?
2. We do not have any cash now, if we are required to pay zakaah. We helped a brother of ours to pay off a debt he owed, so that he could pay off the borrowed amount without paying the interest that had been agreed upon. Is it possible for us to waive this debt and thus pay off the zakaah that we owe?
3. We own some property in the country where the war was, that we took possession of after the war ended, and we are planning to sell this property in order to pay off debts and so that we can buy a house in the place where we live now. Is this property subject to zakaah?.