Are you looking for Dua for Debts?” Many difficulties and sufferings come into the life of every human being, but they are not so severe that they cannot be controlled. Difficulties and trials can bring a person to the end of the mountain, but if a person remains steadfast, no difficulty can bring him down from the hill. We should have complete faith in Allah.
In today’s era, almost every person wants to get rid of debt, and everyone is worried that he can pay off his debt in one way or another and sleep peacefully at night. We will teach you a dua to help you get rid of debt, so let’s read below.
Dua for Debts
Recite the following dua taught to Hazrat Ali (RA) by the Holy Prophet (PBUH) seven times after every obligatory prayer and while walking.
If there is a debt equal to a mountain, Allah Ta’ala will manage its payment from the unseen, God willing.
“Allahumma Akfini Bihalalika an Haramika wa Aghnini Bifadlika Amman Siwaka”
Allahumma ikfina Bihalalika
A Makatib (enslaved person) came to Hazrat Ali and said: I cannot pay my dues; please help me. Hazrat Ali said: Shall I not teach you the words that Hazrat Muhammad (PBUH) taught me? If you have a deen (debt) equal to a big mountain, Allah will pay it on your behalf.
Dua for Getting Rid of Debt
Let’s see a wazifa to get rid of the debt that the Prophet told one of his companions when the Sahabi could not come to the mosque for Friday prayer because he owed someone a loan and was standing outside the house so that he would not leave without receiving the loan.
The wazifa for getting rid of debt is to read Surah Al-Imran verses 26 and 27 and then read the wazifa below.
Dua for Debt Relief
To get rid of all sorrows and worries, especially for getting rid of debts, recite the following dua seven times in the morning and evening, which the Prophet (PBUH) gave to Hazrat Abu Umama (RA).
One day Hazrat Muhammad (PBUH) entered the mosque, and an Ansari person was sitting there, whose name was Abo Umama. He asked: O Abo Umama! I see you sitting in the mosque at a time not for prayer.
(Is it good?), he said: O Messenger of Allah! Hazrat Muhammad (PBUH) said many troubles and debts surround me: Should I not teach you the words which you will recite, and Allah will remove your sorrows and pay your debts? He (happily) said: Of course! Hazrat Muhammad (PBUH) said: “Recite this in the morning and the evening:
Hazrat Abu Umama (RA) said: I did so (as the Holy Prophet (PBUH) told me), and Allah removed my sorrows and paid my (all) debt.
How to Perform Dua for Debts
Sincerity and Intention
Sincerity is critical when making a Dua for debts. Your intention should be pure, seeking relief not just for ease but also to fulfill your obligations and responsibilities in a manner pleasing to Allah. The sincerity of your request increases the likelihood of your prayers being answered.
Timing of the Dua
Specific times are considered more favorable for making Dua, as they are moments when Allah is said to be more receptive to the supplications of His servants. These include:
- After the obligatory prayers (Salah)
- During the last third of the night (Tahajjud time)
- On Fridays, especially in the previous hour before Maghrib (sunset)
- During the month of Ramadan, particularly on Laylatul Qadr (The Night of Decree)
Specific Duas for Debt Relief
The Prophet Muhammad (PBUH) has prescribed specific Duas for debt relief. One such Dua is:
“Allahumma inni a’udhu bika minal hammi wal hazani, wal ‘ajzi wal kasali, wal bukhli wal jubni, wa dhala’id-dayni wa ghalabatir-rijal.”
Translation: “O Allah, I seek refuge with You from anxiety and sorrow, from weakness and laziness, from miserliness and cowardice, from the burden of debts and from being overpowered by men.”
This Dua is powerful in seeking financial relief and protection from the emotional and mental stress that often accompanies debt.
Regular Practice
Consistency is important to experience the benefits of Dua for debts. Regularly recite the prescribed Duas, especially at the times mentioned above. Alongside these spiritual efforts, take practical steps to manage and reduce your debts, such as budgeting, seeking financial advice, and prioritizing repayments.
The Spiritual Benefits of Making Dua for Debts
Increased Faith and Reliance on Allah
Making a Dua for debts increases your faith and reliance on Allah. It reminds you that while you must try to resolve your financial issues, the ultimate relief comes from Him. This spiritual mindset can provide peace and reduce anxiety.
Patience and Perseverance
Debt can lead to impatience and frustration. Regularly making Dua helps instill patience and perseverance as you trust Allah’s timing and wisdom. Understanding that everything happens according to His plan can help ease the emotional toll of financial difficulties.
Emotional Relief and Mental Clarity
Engaging in Dua can provide emotional relief, helping to reduce the stress and anxiety that often accompany debt. You may find greater mental clarity and strength to handle your financial situation by consistently turning to Allah.
Practical Steps to Complement Your Dua
Budgeting and Financial Planning
While Dua for debts is essential, it should be accompanied by practical efforts. Creating and sticking to a budget can help you manage your finances more effectively. Prioritize your expenses, cut unnecessary costs, and focus on repaying debts.
Seeking Professional Help
If your debt is overwhelming, consider seeking advice from financial professionals. They can provide:
- Strategies for managing your debt.
- Negotiating with creditors.
- Finding ways to increase your income.
Charitable Giving (Sadaqah)
In Islam, giving to charity (Sadaqah) means seeking blessings and relief from financial hardships. Even if you are in debt, giving a small amount to those in need can invoke Allah’s mercy and open doors to monetary relief.
FAQ
Which surah to recite for debt?
Reading the verses of Surah Al-Imran is very beneficial for getting rid of debt. The above article has given the complete method of reading it. You will achieve your goal by reading it in the same order.
How do Muslims deal with debt?
Getting a loan when you are under duress is a good practice. If a debtor delays repaying the loan, he should be given more time, and no interest should be charged. We should keep asking Allah to make it easy to pay the debt.
Is it haram to be in debt?
Taking a loan is permissible, but taking a loan with interest is forbidden. When taking a loan, you should ensure that you get income from halal sources.
What is the best time to make a Dua for debts?
The best times include after obligatory prayers, during the last third of the night, on Fridays, and during Ramadan.
Is there a specific Dua for debt relief?
One of the particular Duas is: “Allahumma inni a’udhu bika minal hammi wal hazani…” This supplication asks Allah for relief from debt and other anxieties.
Can giving charity help with debt relief?
Giving charity (Sadaqah) is believed to attract Allah’s blessings and can be a means of financial relief, even if you are in debt.
Should I only rely on Dua for debts?
While Dua is powerful, it should be complemented by practical efforts such as budgeting, financial planning, and seeking professional advice.
How can I stay consistent in making Dua?
Set aside specific times daily to make Dua, especially after prayers and during quiet moments. Consistency can strengthen your faith and bring you closer to finding relief.
Conclusion
Debt can be a significant source of stress, but by making a Dua for debts and taking practical steps, you can seek spiritual and financial relief. This powerful combination of faith and action can lead to a more balanced and peaceful life, helping you navigate your financial challenges with greater confidence and trust in Allah’s wisdom.
Remember, the key to experiencing the full benefits of Dua is consistency, sincerity, and complementing your spiritual efforts with practical financial management. With patience and perseverance, relief is possible, and your situation can improve, bringing you closer to a debt-free life.