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]
