How do I begin paying Khums if I’ve never paid before? Do I need to pay on previous savings? If my debt is larger than my savings, is khums compulsory?

Even if your previous khums amount is more than your present saving but you have to pay your previous khums. But there Is a way to solve this issue. You just please call any of the representative (wakeel) of your Marja. Inshallah he will advise your what to do.