Debt, whether financial or emotional, is a burden that can feel both overwhelming and suffocating. In Islam, prayers and supplications (Dua) are powerful tools that help us manage life’s challenges and guide us towards inner peace. This blog will explore the Islamic practice of making Dua and provide powerful supplications to help you find relief when you’re facing a mountain of debt.
Dua for Debts
On the authority of Anas bin Malik (may Allah be pleased with him), he said that the Messenger of Allah (peace be upon him) said to Mu’adh, ‘Shall I not teach you a prayer, by which, if you were to have a debt like the mountain of Uhud, Allah would take it away from you? Say, O Mu’adh,
“O Allah, Owner of Sovereignty, You give sovereignty to whom You will, and You take sovereignty away from whom You will. You honor whom You will, and You humble whom You will. In Your hand is all good. Indeed, You have power over all things. Most Merciful in this world and the Hereafter and also their Cherisher, You grant them to whom You will and You withhold from whom You will. Show mercy on me a mercy that will make me free of the mercy of anyone except You.”
عن أنس بن مالك رضي الله عنه قال قال رسول الله صلى الله عليه وسلم لمعاذ ألا أعلمك دعاء تدعو به لو كان عليك مثل جبل أحد دينا لأداه الله عنك، قل يا معاذ
اللهمَّ مالكَ الملكِ تُؤتي الملكَ مَن تشاءُ، وتنزعُ الملكَ ممن تشاءُ، وتُعِزُّ مَن تشاءُ، وتذِلُّ مَن تشاءُ، بيدِك الخيرُ إنك على كلِّ شيءٍ قديرٌ . رحمنُ الدنيا والآخرةِ ورحيمُهما، تعطيهما من تشاءُ، وتمنعُ منهما من تشاءُ، ارحمْني رحمةً تُغنيني بها عن رحمةِ مَن سواك
Allahumma malikal mulki tu’til mulka man tasha’u, wa tanzie’ul mulk mimman tasha’u, wa tu’izzu man tasha’u, wa tudhillu man tasha’u, biyadikal khairu innaka ‘ala kulli shai’in qadeer. Rahmanud-dunya wal-akhirati wa rahimahuma, tu’uteehima man tasha’u, wa tamna’u minhuma man tasha’u, arhamni rahmatan tugninee biha ‘an rahmati man siwak.
Dua for Debts
اللّهُـمَّ إِنِّـي أَعـوذُ بِكَ مِـنْ عَذابِ القَـبْر ، وَأَعـوذُ بِكَ مِـنْ فِتْـنَةِ المَسيحِ الدَّجّـال ، وَأَعـوذُ بِكَ مِـنْ فِتْـنَةِ المَحْـيا وَالمَمـات . اللّهُـمَّ إِنِّـي أَعـوذُ بِكَ مِنَ المَأْثَـمِ وَالمَغْـرَم
Transliteration: Allahumma inni a’udhu bika min ‘adhabi’l-Qabr, wa a’udhu bika min fitnatil-Masihid-Dajjal, wa a’udhu bika min fitnatil-mahya wal-mamat. Allahumma inni a’udhu bika minal-ma’thami wal-maghram.
Translation: “O Allah, I seek refuge in You from the torment of the grave, and I seek refuge in You from the trial of the False Messiah, and I seek refuge in You from the trials of life and death. O Allah, I seek refuge in You from sins and from being in debt.”
Dua for Debts
اللَّهمَّ اكفني بِحلالِكَ عن حرامِكَ، وأغنِني بِفَضلِكَ عَمن سواكَ
Allahumm-akfini bihalalika ‘an haramika, wa aghnini bifadlika ‘amman siwaka.
O Allah, grant me sufficient of what You make lawful so that I may dispense with what You make unlawful, and enable me by Your bounty to dispense with all but You.
Dua for Debts
اللَّهُمَّ إِنِّي أَعُوْذُ بِكَ مِنَ الهَمِّ وَالحُزْنِ، وَالعَجْزِ وَالكَسَلِ وَالبُخْلِ وَالجُبْنِ، وَضَلْعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Allahumma inni a’udhu bika minal-hammi wal-huzni, wal-‘ajzi wal-kasali, wal-bukhli wal-jubni, wa dala’id-dayni wa ghalabatir-rijal
O Allah, I seek refuge in You from worry and grief, helplessness and laziness, miserliness and cowardice, the burden of debts and the oppression and overpowerment of men.
Practical Steps for Tackling Debt
In addition to seeking divine help through these Duas, it is equally crucial to take practical steps to address your debt situation. These steps may include:
- Create a budget and track your income and spending.
- Prioritize paying off high-interest debts first.
- Develop a plan to allocate more money to pay off debt each month.
- Reach out to creditors and renegotiate your terms when possible.
- Avoid accumulating new debts.
- Seek financial coaching or debt counseling if necessary.
Between the power of Duas and proactive steps to alleviate debt, it is possible to overcome your financial situation. Continually turn to Allah and ask for His assistance while working diligently to fortify your financial well-being. It may not be an immediate fix, but in time, and with unwavering faith in Allah, you will find solace from your mountain of debt.
