Duaas for Assistance in Settling Debts

Duaa One:

اَللّٰهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ

O Allah! Suffice me with Your halaal from Your haraam (i.e. suffice me with sustenance and wealth which You have declared as halaal and save me from sustenance and wealth which You have declared as haraam), and through Your special grace, make me independent from everyone besides You.

عن علي أن مكاتبا جاءه فقال: إني قد عجزت عن مكاتبتي فأعني، قال: ألا أعلمك كلمات علمنيهن رسول الله صلى الله عليه وسلم لو كان عليك مثل جبل صير دينا أداه الله عنك، قال: قل: اللهم اكفني بحلالك عن حرامك، وأغنني بفضلك عمن سواك (سنن الترمذي، الرقم: 3563)

Hazrat Ali (radhiyallahu ‘anhu) reports that on one occasion, a mukaatab slave (a slave who enters into a contract with his master that upon paying a certain amount, he will receive his freedom) came to him (seeking assistance). He addressed Hazrat Ali (radhiyallahu ‘anhu) and said, “I am unable to pay the amount for my freedom, so (if you are able to assist me then) assist me.” (At that time, perhaps Hazrat Ali (radhiyallahu ‘anhu) did not possess any wealth. Therefore, he did not offer him any financial assistance.)

Hazrat Ali (radhiyallahu ‘anhu) responded saying, “Shall I not teach you some words (of dua) which Rasulullah (sallallahu ‘alaihi wasallam) had taught me? These words are such that even if you have so many debts which equal Mount Seer (the name of a certain mountain), Allah Ta‘ala will settle all your debts for you?”

Hazrat Ali (radhiyallahu ‘anhu) then taught him the following dua:

اَللّٰهُمَّ اكْفِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِيْ بِفَضْلِكَ عَمَّنْ سِوَاكَ

Duaa Two:

اللّٰهُمَّ فَارِجَ الهَمِّ كَاشِفَ الغَمِّ مُجِيْبَ دَعْوَةِ المضْطَرِّينَ، رَحْمٰنَ الدُّنْيَا وَالآخِرَةِ ورَحِيمَهُمَا، أَنْتَ تَرْحَمُنِي، فَارْحَمْنِي بِرَحْمَةٍ تُغْنِيْنِيْ بِها عَنْ رَحْمَةِ مَنْ سِوَاكْ

O Allah, the Reliever of sorrow, the Remover of grief, the One who answers the call of those who are in distress, the Most merciful in the heavens and the earth and the Most gracious in both (the heavens and the earth). You are (continuously) showering Your mercy upon me, thus shower upon me such (great) mercy through which You will make me independent of the mercy of anyone else besides You.

عن عائشة، رضي الله عنها قالت: دخل علي أبو بكر، فقال: هل سمعت من رسول الله صلى الله عليه وسلم دعاء علمنيه؟ قلت: ما هو؟ قال: كان عيسى ابن مريم يعلمه أصحابه قال: لو كان على أحدكم جبل ذهب دينا، فدعا الله بذلك لقضاه الله عنه: اللهم فارج الهم، كاشف الغم، مجيب دعوة المضطرين، رحمن الدنيا والآخرة ورحيمهما، أنت ترحمني، فارحمني برحمة تغنيني بها عن رحمة من سواك. قال أبو بكر الصديق رضي الله عنه: وكانت علي بقية من الدين، وكنت للدين كارها، فكنت أدعو بذلك، فأتاني الله بفائدة فقضاه الله عني، قالت عائشة: كان لأسماء بنت عميس علي دينار وثلاثة دراهم فكانت تدخل علي فأستحيي أن أنظر في وجهها لأني لا أجد ما أقضيها، فكنت أدعو بذلك فما لبثت إلا يسيرا حتى رزقني الله رزقا ما هو بصدقة تصدق بها علي، ولا ميراث ورثته فقضاه الله عني، وقسمت في أهلي قسما حسنا، وحليت ابنة عبد الرحمن بثلاث أواق ورق وفضل لنا فضل حسن. قد احتج البخاري بعبد الله بن عمر النميري، وهذا حديث صحيح غير أنهما لم يحتجا بالحكم بن عبد الله الأيلي (المستدرك على الصحيحين للحاكم، الرقم: 1898)

Hazrat Aaishah (radhiyallahu ‘anha) reports that on one occasion Hazrat Abu Bakr (radhiyallahu ‘anhu) came to her and asked, “Did you hear the dua that Rasulullah (sallallahu ‘alaihi wasallam) had taught me?” When she asked regarding the dua, Hazrat Abu Bakr (radhiyallahu ‘anhu) replied, “(Rasulullah [sallallahu ‘alaihi wasallam] taught me the very same dua which) Hazrat Isa (‘alaihis salaam) would teach to his companions and would say to them, ‘If anyone of you has a mountain of gold in debt, and he makes this dua to Allah Ta‘ala to settle his debts, Allah Ta‘ala will definitely settle his debts for him.’”

اللّٰهُمَّ فَارِجَ الهَمِّ كَاشِفَ الغَمِّ مُجِيْبَ دَعْوَةِ المضْطَرِّين، رَحْمٰنَ الدُنيا وَالآخِرَة ورَحيمَهُما، أَنْتَ تَرْحَمُنِي، فَارْحَمْنِي بِرَحْمَةٍ تُغْنِيْنِيْ بِها عَنْ رَحْمَةِ مَنْ سِوَاكْ

Hazrat Abu Bakr (radhiyallahu ‘anhu) said, “I had owed someone money and (after paying him a portion), I still had a portion of the debt remaining upon me which I needed to settle. I disliked being in debt and thus began making dua to Allah Ta‘ala to settle my debt for me. I recited this dua and begged Allah Ta‘ala. Allah Ta‘ala blessed me with wealth through which Allah Ta‘ala settled the debt for me.”

Hazrat Aaishah (radhiyallahu ‘anha) said, “I also had a debt of one dinaar and three dirhams which I owed to Hazrat Asmaa bint Umays (radhiyallahu ‘anha). Thus, whenever she would enter my home to visit me, I would feel shy to look at her on her face as I did not possess any wealth to pay off her debt. I then began making this very same dua to Allah Ta‘ala to settle my debt, and it was not long thereafter that Allah Ta‘ala blessed me with abundant wealth and sustenance – which was not sadaqah that was given to me – nor was it inheritance which I inherited. Thus, Allah Ta‘ala settled my debts on my behalf (with this wealth), and after settling the debt I still possessed much wealth which I then distributed among my family generously, and I gave my niece (the daughter of my brother Abdur Rahmaan) three ooqiyah silver (i.e. 120 dirhams) as jewellery, and after all this, I still had a substantial amount remaining for myself.”

Duaa Three:

اللَّهُمَّ مَالِكَ الْمُلْكِ، تُؤْتِي الْمُلْكَ مَنْ تَشَاءُ، وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاءُ، وَتُعِزُّ مَنْ تَشَاءُ، وَتُذِلُّ مَنْ تَشَاءُ، بِيَدِكَ الْخَيْرُ، إِنَّكَ عَلَى كُلِّ شَيْءٍ قَدِيرٌ، رَحْمٰنُ الدُّنْيَا وَالْآخِرَةِ تُعْطِيهِمَا مَنْ تَشَاءُ، وَتَمْنَعُ مِنْهُمَا مَنْ تَشَاءُ، ارْحَمْنِي رَحْمَةً تُغْنِينِي بِهَا عَنْ رَحْمَةِ مَنْ سِوَاكَ

O Allah, the Lord of the Kingdom, You grant kingdom to whomsoever You wish, and You take away kingdom from whomsoever You wish; and You bestow honour to whomsoever You wish and You bring disgrace upon whomsoever You wish. In Your hand lies all good. Surely You are powerful over everything. O the Most merciful in the earth and the heavens, You grant both of them (the blessings of the earth and the heavens) to whomsoever You wish, and You withhold both of them (the blessings of the earth and the heavens) from whomsoever You wish. Shower such (great) mercy upon me through which You will make me independent of the mercy of everyone else besides You.

وعن أنس بن مالك قال: قال رسول الله صلى الله عليه وسلم لمعاذ: ألا أعلمك دعاء تدعو به لو كان عليك مثل جبل أحد دينا لأدى الله عنك؟ قل يا معاذ: اللهم مالك الملك، تؤتي الملك من تشاء، وتنزع الملك ممن تشاء، وتعز من تشاء، وتذل من تشاء، بيدك الخير، إنك على كل شيء قدير، رحمن الدنيا والآخرة تعطيهما من تشاء، وتمنع منهما من تشاء، ارحمني رحمة تغنيني بها عن رحمة من سواك. (المعجم الصغير للطبراني، الرقم: 558، وقال الهيثمي في مجمع الزوائد، الرقم: 17443: ورجاله ثقات)

Hazrat Anas (radhiyallahu ‘anhu) reports that Rasulullah (sallallahu ‘alaihi wasallam) said to Hazrat Mu’aaz (radhiyallahu ‘anhu), “O Muaaz! Should I not teach you such a dua that if you have debts equal to Mount Uhud, and you make this dua to Allah Ta‘ala (to settle your debts), Allah Ta‘ala will definitely settle all your debts for you? O Muaaz! Recite the following dua:

  اللَّهُمَّ مَالِكَ الْمُلْكِ، تُؤْتِي الْمُلْكَ مَنْ تَشَاءُ، وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاءُ، وَتُعِزُّ مَنْ تَشَاءُ، وَتُذِلُّ مَنْ تَشَاءُ، بِيَدِكَ الْخَيْرُ، إِنَّكَ عَلَى كُلِّ شَيْءٍ قَدِيرٌ، رَحْمٰنَ الدُّنْيَا وَالْآخِرَةِ تُعْطِيهِمَا مَنْ تَشَاءُ، وَتَمْنَعُ مِنْهُمَا مَنْ تَشَاءُ، ارْحَمْنِي رَحْمَةً تُغْنِينِي بِهَا عَنْ رَحْمَةِ مَنْ سِوَاكَ

Duaa Four:

One should recite the following dua in the morning and evening:

اللَّهُمَّ إِنِّى أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحُزْنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

O Allah, I seek Your protection from mental stress and worry (in regard to future events) and grief (in regard to past events); and I seek Your protection from inability and laziness (in carrying out good deeds and enduring at the time of trials and tribulations); and I seek Your protection from cowardice (i.e. fearing the enemy and turning away from the battlefield, or not being able to fulfil the command of Allah Ta’ala in enjoining good and forbidding evil, or not having the heart to accept the decree of Allah Ta’ala in one’s sustenance and other affairs) and miserliness (i.e. in fulfilling the rights of Allah Ta’ala in one’s wealth e.g. zakaat and not fulfilling the rights of the creation); and I seek Your protection from overwhelming debts and from the oppression of people.

عن أبى سعيد الخدرى قال دخل رسول الله صلى الله عليه وسلم ذات يوم المسجد فإذا هو برجل من الأنصار يقال له أبو أمامة فقال يا أبا أمامة ما لى أراك جالسا فى المسجد فى غير وقت الصلاة. قال هموم لزمتنى وديون يا رسول الله. قال أفلا أعلمك كلاما إذا أنت قلته أذهب الله عز وجل همك وقضى عنك دينك. قال قلت بلى يا رسول الله. قال قل إذا أصبحت وإذا أمسيت اللهم إنى أعوذ بك من الهم والحزن وأعوذ بك من العجز والكسل وأعوذ بك من الجبن والبخل وأعوذ بك من غلبة الدين وقهر الرجال. قال ففعلت ذلك فأذهب الله عز وجل همى وقضى عنى دينى. (سنن أبي داود، الرقم: 1557)

Hazrat Abu Sa’eed Khudri (radhiyallahu ‘anhu) reports that on one occasion Rasulullah (sallallahu ‘alaihi wasallam) entered the musjid, and he found an Ansaari Sahaabi named Hazrat Abu Umaamah (radhiyallahu ‘anhu) present. Rasulullah (sallallahu ‘alaihi wasallam) said, “O Abu Umaamah, what is the reason that I see you seated here in the musjid, whereas it is not the time of salaah?” Hazrat Abu Umaamah (radhiyallahu ‘anhu) replied, “O Rasulullah (sallallahu ‘alaihi wasallam), I am overwhelmed with grief and debts.” Rasulullah (sallallahu ‘alaihi wasallam) replied, “Should I not teach you such a dua, through which Allah Ta’ala will remove your grief and will settle your debts?” Hazrat Abu Umaamah (radhiyallahu ‘anhu) replied, “Certainly do teach me, O Rasulullah (sallallahu ‘alaihi wasallam)!” Rasulullah (sallallahu ‘alaihi wasallam) replied, “Recite the following dua in the morning and evening:

اللَّهُمَّ إِنِّى أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

Hazrat Abu Umaamah (radhiyallahu ‘anhu) further says, “I practiced upon this mubaarak dua of Rasulullah (sallallahu ‘alaihi wasallam) and Allah Ta’ala had relieved me of my worries and Allah Ta’ala settled my debts for me.”