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 the overwhelming of debt and the subjugation of 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali.
When to Read
Recite this dua regularly, especially when feeling overwhelmed by debt. It's particularly poignant after engaging in or contemplating activities like gambling which can lead to significant debt and moral distress. Making it a habit after Fajr and Isha prayers, or during times of supplication, amplifies its effect.
How to Read
Recite with sincere intention and firm resolve to abandon the prohibited activities that led to the debt. Face the Qiblah if possible, raise your hands slightly, and supplicate with a humble heart. Reflect on the meanings of the words and ask Allah for ease, protection, and guidance to make righteous choices.
Virtues & Benefits
This comprehensive dua seeks Allah's protection from many spiritual and worldly afflictions. By specifically asking for refuge from 'the overwhelming of debt' (ghalabatid-dayn), it directly addresses the burden of debt. Seeking refuge from 'the subjugation of men' (qahrir-rijali) also implies protection from being indebted to people in a way that leads to humiliation or undue pressure. While this dua doesn't directly mention gambling, the underlying principle is seeking refuge from the consequences of forbidden actions and their resultant burdens. Forgiveness for gambling debts, particularly, requires sincere repentance (tawbah) and making amends where possible, alongside consistent supplication for Allah's mercy.
Source & Authentication
The narration in Sahih al-Bukhari states: The Prophet Muhammad ﷺ used to seek refuge with Allah from the worry and grief, helplessness and laziness, cowardice and stinginess, and the evil of arrogance. (Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min jahi al-istikbari). Another version in Muslim and Bukhari includes the phrase 'wa qahrir-rijali' (and the subjugation of men) instead of 'jahi al-istikbari' (the evil of arrogance), which is more relevant to the burden of debt. Sahih Muslim 2706, Sahih al-Bukhari 6369, 5076, 6614