The Definitive Supplications Recommended by Our Prophet to Escape Heavy Debts

Introduction

Being in debt is a situation that constricts a person's soul and drains their life energy. While under this burden, we seek a light and wish to attain peace. The Islamic faith provides us with spiritual paths to cope with material difficulties. Our Prophet (s.a.v) has also recommended various supplications for believers who are in debt. These supplications not only lighten our debt burden but also refresh our souls.

Historical/Religious Background

The Holy Quran advises believers to facilitate the repayment of their debts. Allah the Exalted has emphasized in the verses the importance of extending a helping hand to the debtor. Our Prophet (s.a.v) has repeatedly stressed in his hadiths the sensitivity towards debt and the mercy to be shown to debtors. Escaping from debt is not only a material relief but also a liberation from a spiritual burden. Therefore, supplications and acts of worship hold a very important place in this process.

Detailed Lists and Practices

• Supplication 1: 'Allahümme inni eûzü bike minel hemmi vel hazeni...'

  Arabic: "اللهم إني أعوذ بك من الهم والحزن، والعجز والكسل، والجبن والبخل، وضلع الدين وغلبة الرجال"

  Pronunciation: "Allahümme inni eûzü bike minel hemmi vel hazeni vel aczi vel keseli vel cübni vel buhli ve dal'id-deyni ve galabetir-ricâl."

  Translation: "O Allah! I seek refuge in You from grief and sorrow, from weakness and laziness, from cowardice and stinginess, from the burden of debt and the oppression of men."

  How to Recite: This supplication should be recited three times after the morning and evening prayers.

• Supplication 2: 'Hasbiyallâhü lâ ilâhe illâ hüve...'

  Arabic: "حسبي الله لا إله إلا هو عليه توكلت وهو رب العرش العظيم"

  Pronunciation: "Hasbiyallâhü lâ ilâhe illâ hüve aleyhi tevekkeltü ve hüve rabbül'arşil azîm."

  Translation: "Allah is sufficient for me. There is no deity except Him. I have placed my trust in Him. He is the Lord of the mighty throne."

  How to Recite: This supplication should be frequently recited throughout the day, making it a calming habit for the heart.

Lessons from Scholars

Imam Ghazali has stated that a person in debt experiences a constricted heart due to their inability to repay their debt, and this distress also harms them spiritually. He encouraged individuals to turn to Allah and seek His help. Many Islamic scholars have emphasized that the path to escaping debt lies not only in working hard and striving but also in praying and being patient.

Conclusion

Dear reader, being crushed under heavy debts is a situation that no one desires. However, it should not be forgotten that Allah always watches over us and extends a helping hand. By regularly reciting the supplications recommended by our Prophet (s.a.v), you can find relief both materially and spiritually. May Allah make it easy for all our brothers who are under the burden of debt and free them from this burden as soon as possible. Ameen.