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 worry and grief, 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-bukhl, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal
When to Read
This powerful dua is particularly relevant when facing overwhelming debt, especially when that debt stems from struggles with addiction. It's a comprehensive plea that should be recited regularly, perhaps after every obligatory prayer, or during times of intense worry about your financial situation and the underlying causes. Making this a consistent practice can bring immense peace of mind and a renewed sense of reliance on Allah.
How to Read
Recite this dua with sincerity and a full heart, visualizing the Prophet Muhammad ﷺ (peace be upon him) himself seeking refuge in Allah. Raise your hands slightly as you make the supplication. Understand that the Prophet ﷺ taught this as a specific shield against these afflictions. Accompany this dua with sincere repentance for any actions that led to the debt, especially those related to addiction, and make a firm resolve to change. Seek practical solutions alongside your supplication, such as seeking help for addiction and creating a debt repayment plan.
Virtues & Benefits
This dua offers profound benefits: it's a direct supplication taught by the Prophet ﷺ for protection against specific ills. Seeking refuge from 'ghalabad-dayn' (the overwhelming of debt) is a crucial step, acknowledging Allah's power to alleviate financial burdens. It also addresses the psychological toll, seeking refuge from worry and grief. By seeking protection from 'qahrir-rijal' (the subjugation of men), we ask Allah to save us from being oppressed or controlled by circumstances or people due to our debt. This dua is a testament to seeking Allah's aid in overcoming not just the external problem of debt, but also the internal struggles, like addiction, that may have contributed to it.
Source & Authentication
The Prophet Muhammad ﷺ (peace be upon him) used to invoke Allah very often with the supplication: '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 ghalabad-dayni wa qahrir-rijal.' (O Allah, I seek refuge in You from worry and grief, 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).