Dua Against Debt

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IN THE NAME OF ALLAH
MOST GRACIOUS, MOST MERCIFUL
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Being in debt is a killer. It consumes us with stress, and eats away
at our happiness and sense of security. It destroys marriages, and if
the debt is between family or friends then it can ruin those
relationships. In some countries, inability topay your debt can even
you put in prison.
I feel obligated to mention that part of the reason so many people are
carrying so much debt is our addiction to the material lifestyle. We
are bombarded with messagesand advertisements telling us we need to
buy this andown that. It gets to the point where we measure our status
in life (and that of others) by what we own, or worse, by how much we
spend. If we spend a huge sum of money on a lavish wedding, then we
are "honored" in society. If not,we feel shamed. Since our incomes do
not match our desires, we go into debt.
This thinking and lifestyle is completely contrary to what Islam
teaches us, and to the example set by the Prophet Muhammad (pbuh) and
the Sahabah (may Allah be pleased withthem all). Even when they became
rulers of the world,they continued to live simple and humble
lifestyles, because they understood what really matters in life.
So the first step for us is to readjust our priorities, and to realize
that what matters is our relationship with Allah. Beyond that, the
important things in life are our family relationships– loving our
spouses and children and spending timewith them, worshiping with them,
supporting them. Then our friendships,and doing some good in the
world, creating something meaningful, andbeing an agent of compassion
in the lives of those around you.
Dua Against Debt
If you have done whatever you can to avoid debt, and still you find
yourself burdened with debts, try this dua from Fortress of the
Muslim. Repeat it manytimes every day:
Dua for relief from debt, inArabic
Allaahummak-finee bihalaalika 'an haraamika wa 'aghninee bifadhlika
'amman siwaaka.
"O Allah, suffice me with what You have allowed instead of what You
have forbidden , and make me independent of all others besides You."
(Reference: At-Tirmithi 5/560. See also Al-Albani, Sahih At-Tirmithi 3/180.)
This dua against debt is really brilliant, because the dua contains
within itself the solution to the problem. "Suffice me with what you
have allowed." Inother words, let the halal be enough for me. Don't
letme get myself into debt because of haram mortgage loans or
excessive material desire, or out-of-control consumerspending. Let me
be satisfied with a simple, halal life, so that I don't getinto debt.
If you repeat this often enough it becomes a part of your thinking and
awareness, and you modifyyour own behavior, which leads to: "make me
independent of all others besides You." You become your own man or
woman, not owing money to anyone, independent, relying only on Allah.
I'm not saying the dua is just an affirmation, I'm saying it works on
both levels, as an affirmation and as a prayer to Allah to help you
achieve that affirmation. It's a subtle and amazing dua.
Three Excellent Dua's Against Debt:
(note that #2 is the sameas the one above)
1) "Oh Allah, I take refugein You…"
Narrated by Abu Sa'id Al-Khudri (ra):
One day the Messenger of Allah (saw) entered the mosque. He saw there
a man from the Ansar (a resident of Madinah) called Abu Umamah and
said to him: "What is the matter that I am seeing you sittingin the
mosque when there is no time of prayer?" Abu Umamah said: "I am
entangled in sorrow and debts." The Prophet Muhammad (ra ) replied:
"Shall I not teach you words by which, when you say them, Allah will
remove your sorrow, and settle your debts?" Abu Umamah said: "Yes,
Messenger of Allah." The Prophet Muhammad (ra ) said: "Say in the
morning and evening: 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 Idid that Allah removed my distress and settled
my debt." [Abu Dawood]
2) "O Allah, grant me enough…"
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 evenif
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.
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