اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ.
O Allah, I seek refuge in You from distress and sorrow, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and from being overcome by men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali.
When to Read
This powerful dua is a comprehensive plea for protection against various burdens, including the heavy weight of debt. You can recite it regularly, especially when you feel overwhelmed by financial worries or when facing significant financial obligations. Making it a part of your supplications after every prayer, or at least once a day, can bring immense comfort and a sense of seeking Allah's direct assistance.
How to Read
Recite this dua with sincerity and firm conviction in Allah's power to help. Imagine seeking refuge in His protection, just as the Prophet Muhammad ﷺ taught. Understanding the meaning of each phrase can deepen your connection to the supplication. Ensure you are in a state of purity, facing the Qiblah if possible, and raising your hands as a sign of humble pleading, though these are recommended etiquettes, the sincerity of the heart is paramount.
Virtues & Benefits
This dua, taught by our beloved Prophet Muhammad ﷺ, not only addresses the specific worry of debt but also provides a shield against many other troubles that can lead to or exacerbate financial hardship, such as worry, laziness, fear, and miserliness. By seeking refuge in Allah from 'being overwhelmed by debt and being overcome by men,' we are asking for His divine intervention to ease our burdens and protect us from the humiliation and helplessness that can accompany overwhelming debt. It's a holistic approach to seeking well-being, both worldly and in the hereafter, by relying on the Creator of all means.
Source & Authentication
The Prophet Muhammad ﷺ used to seek refuge with Allah from these four things: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali.' (Sahih al-Bukhari 5506)