If you are in the burden of debt, you know it eats away at your happiness and sense of security, it consume you with stress. In the worst case, it can destroyed the marriages and ruin the relationships, no matter it is between family or friends. In some countries, if you can’t pay your debt, you will be end up in prison.
So being in the debt is a killer.
In the Islam, it takes the matter of debt very seriously, it warns against it and urges the Muslim to avoid it as much as possible.
It was narrated from Aisha (may Allah be pleased with her) that the Prophet (peace and blessings of Allah be upon him) used to say in his prayer: “Allaahumma inni a’oodhi bika min al-ma’tham wa’l-maghram (O Allaah, I seek refuge with You from sin and heavy debt).” Someone said to him: “How often you seek refuge from heavy debt!” He said: “When a man gets into debt, he speak and tells lies, and he makes a promise and breaks it.” Narrated by al-Bukhaari (832) and Muslim (589).
Well, in today’s modern society we are living, the reason that so many people are carrying so much debt is the lifestyle we addicted to. The commercial message and advertisements telling us we need to own this and buy that, which leads to a point that we measure our status of life by what we own, what car we drive, what brand bags we carry, what kind of house to buy, or how much you spend, example, spend a huge sum of money on a lavish wedding to ‘honor’ the society or to save the face, if you don’t do it, you will feel shamed.
For a lot of people, because of their incomes do not match with their desires, they start to borrowing money from bank, friends, financial institutions or from family members, and go into debt.
For Muslims, if you are the one that in the debt, even you have done whatever you can to least it but you still find yourself burdened with debts, try below this dua from Fortress of the Muslim and repeat it many times everyday. It is a subtle and amazing dua that works in the both level of affirmation and as a prayer to Allah to help you.
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 has within itself the solution to the problem so it is brilliant “Suffice me with what you have allowed.” In other words, let the halal be with me, let me satisfy with a simple, halal life and don’t let me go for haram mortgage, or out-of-control spending on the unnecessary things, or excessive material desires that could get me into the debt.
As it said, when you repeatedly doing one thing everyday, it will become a part of your thinking, you will be alert and aware of it, your behavior will under watch too, which leads to the second half of this dua, “make me independent of all others besides You.” You become your own-self, you will not owing money to anyone, you will be independent and rely only on Allah.
Beside above that dua, below are another two excellent Dua that helps against debt:
1) “Oh Allah, I take refuge in 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 sitting in 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.”
‘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 I did that Allah removed my distress and settled my debt.” [Abu Dawood]
2) “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, Allah shall pay your debt, even it be as huge as Mount Uhud? He then mentioned:
Allahumma Maalik al-mulki tu’til-mulka man tasha’ u wa tanzi’ul mulka mimman tasha’, wa tu’izzu man tasha’ u wa tudhilu man tasha’, bi yadika al-khayr, innaka ‘ala kulli shay’in qadeer, Rahmaan-id-dunya wa’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 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.” [Tabarani]
I firmly believe that when you can understand a cause of evil, wrong and sin, then you can correct it. Wagging ones finger can’t do so much, but understanding is life altering. May Allah (SWT) guide us to His Pleasure and protect us from the evils of ourselves and the materialistic mind frame we are living in, Ameen.