Three Amazing Dua’s Against Debt

Allahumma inni ‘auzu bika min alhamma wal ‘huzn, wal ‘ajzi wal kasali wal bukhli wal jubn, wa dhala’iddini wa ‘galabatir rajaal.” (See here for the arabic text).

‘O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being overpowered by men.’

Abu Umamah said: “When I did that Allah removed my distress and settled my debt.” [Abu Dawood]

1.     Ali radi Allahu `anhu said that a slave, who had made a contract with his master to pay for his freedom, came to him and said, “I am unable to fulfil my contract, so help me.” He said, “Shall I not teach you some words which Allah’s Messenger (ra) taught me, and which even if you had a debt as large as a mountain Allah would pay it for you?”:

Allahumma akfini bihala lika an haramika wa aghnini bi fadhlika am-man siwak.

“O Allah, grant me enough of what You make lawful that I may dispense of with what You make unlawful, and make me independent, by Your bounty, of other than You.” [At-Tirmidhi]

2.     The Prophet (saw) said to Muadh radi Allahu `anhu, “Should I not teach you a supplication which, when used to implore Allah, Allah shall pay your debt, even it be as huge as Mount Uhud? He then mentioned:

Allahumma Maalik al-mulki tu’til-mulka man tasha’ u wa tanzi’ul mulka mimman tasha’, wa tu’izzu man tasha’ u wa tudhilu man tasha’, bi yadika al-khayr, innaka ‘ala kulli shay’in qadeer, Rahmaan-id-dunya wa’l-aakhirah wa raheemahuma, tu’teeyahuma man tasha’ wa tamna’ minhuma man tasha’, irhamni rahmatan taghnini biha ‘an rahmati man siwaak.

“O Allah, Sovereign of all, You give dominion to whomsoever You will and You take dominion away from whomsoever You will, You exalt whomsoever You will and You bring low whomsoever You will. In Your hand is all goodness and You are able to do all things. Most Merciful and Most compassionate in this world and in the Hereafter, You give them to whomsoever You will and withhold them from whomsoever You will. Bestow mercy upon Me in such a manner that I have no need of the mercy of anyone but You.” [Tabarani]

Islamic story about Trust

Sahih Bukhari (Volume 3, Book 37, Number 488h)

Narrated Abu Huraira: The Prophet (may the peace and blessings of Allah be upon him) said:
A man from the children of Israel asked another Israeli to lend him one thousand Dinars. The second man required witnesses. The former replied:
"Allah is sufficient as a witness."
The second said:
"I want a surety."
The former replied:"Allah is sufficient as a surety."
The second said: "You are right, " and he lent him the money for a certain period. The borrower went across the sea. When he finished his job, he searched for a conveyance so that he might reach in time for the repayment of the debt, but he could not find any. So, he took a piece of wood and made a hole in it, inserted in it one thousand Dinars and a letter to the lender and then closed (i.e. sealed) the hole tightly.
He took the piece of wood to the sea and said:
"O Allah! You know well that I took a loan of one thousand Dinars from so-and-so. He demanded a surety from me but I told him that Allah's Guarantee was sufficient and he accepted Your guarantee. He then asked for a witness and I told him that Allah was sufficient as a Witness, and he accepted You as a Witness. No doubt, I tried hard to find a conveyance so that I could pay his money but could not find, so I hand over this money to You.
" Saying that, he threw the piece of wood into the sea till it went out far into it, and then he walked away from the scene.
Meanwhile he started searching for a means of transport in order to reach the creditor's country. One day the lender came out of his house to see whether a ship had arrived bringing his money, and all of a sudden he saw the piece of wood in which his money had been deposited. He took it home to use for fire. When he sawed it, he found his money and the letter inside it. Shortly after that, the borrower came bringing one thousand Dinars to him and said:
"By Allah, I had been trying hard to get a boat so that I could bring you your money, but failed to get one before the one I have come by "The lender asked:
"Have you sent something to me?"

The debtor replied:
"I have told you I could not get a boat other than the one I have come by."
The lender said:
"Allah has delivered on your behalf the money you sent in the piece of wood. So, you may keep your one thousand Dinars and depart guided on the right path.

 

IslamCan

Seek Allah's help to make you debt free

Debt is bad. Everyone wants to come out of it. Can Allah pay our debts ? Can we except any miracles? The answer is "YES". In fact, its only Allah who can pay your debts. He can do anything. You only need to trust him. So long as you have taken on a debt so that you can fulfill the duty of helping your family to pay for living expenses, you will be rewarded by Allah for this good deed and he will help you to pay off this debt. He will open a way out and don't forget where there is a will, Allah can create a way.

Our prophet says: , “The one who takes people’s wealth intending to pay it back, Allah will pay it back for him, and the one who takes it intending to destroy it, Allah will destroy him.” (Al-Bukhari 2387)

All you need to do is surrender your debt, your doubts and fears, your life and affairs, your business, your family affairs, your finances to him and pray to him to pay your debts. He is even now doing it, as it is his desire to free you from every burden, and he is leading you out of the burden of debt. You should face every disturbing thought, such as “I can’t,” “I don’t know how,” “I can’t see the way,” with the affirmation that allah will help me. New ideas will speed up in your mind and you can use them to start this very moment to pay your debts. You should begin by thanking Allah for your freedom from the debt-burden thought. This is an important step in reducing your debt. The funds to pay all your bills may not suddenly appear in a lump sum; but as you watch and work and pray, holding yourself in the consciousness of Allah’s leadership you will notice your funds beginning to grow “here a little, there a little,” and increasing more and more rapidly as your faith increases and your anxious thoughts are calmed. With this increase you will gain good judgment and wisdom in the management of your affairs and debt will soon disappear when wisdom and good judgment are in control.

Your desire to be free, followed by the realization that debt has no legitimate place in Allah’s kingdom and that you are determined to erase it entirely is the way only to get free from debt.
Work toward this freedom and continue with your meditation and prayer. Do not concentrate on debts or spoil your prayers by constantly thinking of debts. Think of that which you want to prove, not that from which you seek freedom. When you pray, thank Allah for His care and guidance, for his provision, for his love and wisdom, for his countless blessings and your opportunity to enjoy it.