اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنْ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنْ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ.
O Allah, I seek refuge in You from worry and grief, I seek refuge in You from helplessness 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-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This dua is particularly potent when facing the crushing weight of debt, especially when coupled with the loss of one's income or livelihood. Recite it during times of distress, after prayers, or any moment you feel the burden of debt and the helplessness it brings. It's a sincere plea to Allah for protection from the anxieties that accompany such trials.
How to Read
Recite this dua with sincerity and a full heart, recognizing that true relief comes only from Allah. It's recommended to raise your hands slightly while making this supplication, as was the practice of the Prophet Muhammad ﷺ. Believe in Allah's ability to alleviate your burdens, even when the means are not apparent. Understanding the meaning behind each phrase will enhance its impact on your heart.
Virtues & Benefits
This powerful dua offers comprehensive refuge from various hardships. Specifically, seeking refuge from 'the overwhelming of debt and the subjugation of men' (ghalabatid-dayni wa qahrir-rijal) directly addresses the distress of being indebted and potentially exploited or pressured by creditors. By reciting this, you are asking Allah not just to clear your debts, but also to protect you from the despair and pressure that often accompany them, and to shield you from those who might take advantage of your difficult situation. It's a way of acknowledging our weakness and relying on Allah's strength to overcome formidable challenges.
Source & Authentication
The Prophet Muhammad (peace be upon him) used to seek refuge in Allah from these things. (Narrated by Anas bin Malik (may Allah be pleased with him)) The hadith is often quoted in the context of seeking protection from afflictions and difficulties. The specific phrasing about debt and subjugation is a crucial part of this comprehensive supplication for seeking Allah's assistance.