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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.
"O Allah, grant me enough of what You make lawful that I may dispense
of with what You make unlawful, and make me independent, by Your
bounty, of other than You." [At-Tirmidhi]
3) "O Allah, Sovereign of all…"
The Prophet (saw) said to Muadh radi Allahu `anhu, "Should I not teach
you a supplication which, when used to implore Allah, Allahshall pay
your debt, even itbe as huge as Mount Uhud?He then mentioned:
Allahumma Maalik al-mulkitu'til-mulka man tasha' u wa tanzi'ul mulka
mimmantasha', wa tu'izzu man tasha' u wa tudhilu man tasha', bi yadika
al-khayr, innaka 'ala kulli shay'in qadeer,
Rahmaan-id-dunyawa'l-aakhirah wa raheemahuma, tu'teeyahuma man tasha'
wa tamna' minhuma man tasha', irhamni rahmatan taghnini biha 'an
rahmati man siwaak.
"O Allah, Sovereign of all, You give dominion to whomsoever You will
and You take dominion away from whomsoever You will, You exalt
whomsoever You will and You bring low whomsoever You will. In Your
hand is all goodnessand You are able to do allthings. Most Merciful
and Most compassionate in this world and in the Hereafter, You give
them to whomsoever You will and withhold them from whomsoever You
will. Bestow mercy upon Me in such a manner that I have no need of the
mercy of anyone but You." [Tabarani]