By Asmâ bint Shameem
Debts are a serious issue.
They are an Amaanah that we have to pay back as soon as we possibly can.
Here are some Duaas that we can read to get rid of them.
1. Ali radhi Allaahu anhu said that a mukaatib (slave who had entered into a contract of manumission) came to him and said:
“I am unable to pay off my manumission; help me.”
He said: “Shall I not tell you some words which the Messenger of Allaah Sal Allaahu Alaiyhi wa Sallam taught me?
And if you have debt like the mountain of Seer, Allaah will pay it off for you.
He said: ‘Say:
اللَّهُمَّ اكْفِنِي بِحَلالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
“Allaahumma akfini bi halaalika ‘an haraamika wa aghnini bi fadlika ‘amman siwaak”
“O Allaah, suffice me with what You have permitted so that that I have no need of that which You have forbidden, and make me independent of means by Your bounty so that I have no need of anyone besides You.’”
(at-Tirmidhi-hasan by al-Albaani)
2. The Prophet sal Allaahu Alayhi wa sallam said to Mu’aadh radhi Allaahu anhu:
“Shall I not teach you a duaa’ which you may say even if you have debt like Mount Uhud, so that Allaah might pay it off for you?
Say, O Mu’aadh:
اللهم مالك الملك ، تؤتي الملك من تشاء ، وتنزع الملك ممن تشاء ، وتعز من تشاء ، وتذل من تشاء ، بيدك الخير ، إنك على كل شيء قدير ، رحمن الدنيا والآخرة ورحيمهما ، تعطيهما من تشاء ، وتمنع منهما من تشاء ، ارحمني رحمة تغنيني بها عن رحمة من سواك
“Allaahumma Maalik al-mulk, tu’ti al-mulk man tasha’ wa tanzi’ al-mulk mimman tasha’, wa tu’izzu man tasha’ wa tudhilul man tasha’, bi yadika al-khayr, innaka ‘ala kulli shay’in qadeer,
Rahmaan al-dunya wa’l-aakhirah wa raheemahuma, tu’teeyahuma man tasha’ wa tamna’ minhuma man tasha’, arhamni rahmatan taghnini biha ‘an rahmati man siwaak”
“O Allaah, 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 goodness and You are able to do all things. 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.’”
(at-Tabaraani- hasan by al-Albaani)
3. The Prophet sal Allaahu Alayhi wa sallam said:
“If a person who is afflicted by anxiety or sorrow says:
اللَّهُمَّ إِنِّي عَبْدُكَ ، وَابْنُ عَبْدِكَ ، وَابْنُ أَمَتِكَ ، نَاصِيَتِي بِيَدِكَ ، مَاضٍ فِيَّ حُكْمُكَ ، عَدْلٌ فِيَّ قَضَاؤُكَ ، أَسْأَلُكَ بِكُلِّ اسْمٍ هُوَ لَكَ ، سَمَّيْتَ بِهِ نَفْسَكَ أَوْ عَلَّمْتَهُ أَحَدًا مِنْ خَلْقِكَ ، أَوْ أَنْزَلْتَهُ فِي كِتَابِكَ ، أَوْ اسْتَأْثَرْتَ بِهِ فِي عِلْمِ الْغَيْبِ عِنْدَكَ ، أَنْ تَجْعَلَ الْقُرْآنَ رَبِيعَ قَلْبِي ، وَنُورَ صَدْرِي ، وَجِلَاءَ حُزْنِي ، وَذَهَابَ هَمِّي
‘Allaahumma inni ‘abduka wa ibnu ‘abdika wa ibn ammatika naasiyati bi yadika maadin fiyya hukmuka ‘adlun fiyya qadaa’uka as’aluka bi kulli ismin huwa laka sammayta bihi nafsaka aw ‘allamtahu ahadan min khalqika aw anzaltahu fi kitaabika aw asta’tharta bihi fi ‘ilm il-ghaybi ‘indaka an taj’al al-Qur’aana rabee’a qalbi wa noora sadri wa jalaa’a huzni wa dhahaaba hammi.”
“O Allaah, I am Your slave, son of Your slave, son of Your female slave, my forelock is in Your Hand, Your command over me is forever executed and Your decree over me is just. I ask You by every name belonging to You with which You have named Yourself, or, or You have taught to any of Your creation, or You have revealed in Your Book, or You have preserved in the knowledge of the Unseen with You, that You make the Qur’aan the life of my heart and the light of my breast, and a departure for my sorrow and a release for my anxiety)’, then Allaah will take away his anxiety and sorrow, and will replace it with joy.”
It was said:
“O Messenger of Allaah, should we not learn it?”
He said: “Yes, whoever hears it should learn it.” (Ahmad- saheeh by al-Albaani in Saheeh al-Targheeb wa’l-Tarheeb (1822)
May Allaah enable us all to pay off our debts and be debt-free.
And Allaah knows best
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