Dua for Assistance in Settling Debts – 4

When one is in debt, 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.”