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What to read in debt?

Mu' meneen Brothers and Sisters,

As Salaam Aleikum wa Rahmatullahi wa Barakatuh.  (May Allah's Peace, Mercy and Blessings be upon all of you)


One of our brothers/sisters has asked this question:

Salaam brother,

I am in serious need of advice,unfortunately since leaving university and strating up my business, i am in serious debt, and sadly my family cant help pay it off.  Can u tell me what surah's i should be reading?

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What to read in debt?

In the name of Allah, We praise Him, seek His help and ask for His forgiveness. Whoever Allah guides none can misguide, and whoever He allows to fall astray, none can guide them aright. We bear witness that there is no one (no idol, no person, no grave, no prophet, no imam, no dai, nobody!) worthy of worship but Allah Alone, and we bear witness that Muhammad(saws) is His slave-servant and the seal of His Messengers.


Fiqh-us-Sunnah Fiqh 4.131b

When One is in Debt

Ali related that a slave, who had agreed on terms of his freedom with his master, came to him and said, "I cannot pay my master as I agreed in the terms of freedom, so help me." Ali said to him, "Let me teach you the supplication that the Prophet (saws) taught me. If you say it, Allah will cause your debt to be paid even if it be as great as a mountain. Say, 'O Allah, make Your lawful bounties sufficient for me so as to save me from what is unlawful, and from Your Grace grant me sufficient abundance to make me free from the need of all except You'."

Related by Tirmidhi.


Abu Sa'id al-Khudri reported, "One day the Prophet (saws) entered the mosque. He (saws) saw there a man from the Ansar called Abu Umamah. He (saws) asked, 'What is the matter with you that I see you sitting in the mosque when it is not the time of prayer.' He replied, 'I am very much worried and in great debt, O Messenger of Allah (saws)!' The Prophet (saws) said, 'Let me teach you words to say so that Allah will remove your worries and settle your debt?' He exclaimed, 'Of course, O, Messenger of Allah (saws).' The Prophet (saws) said, 'Say in morning and evening, "O Allah, I seek refuge in You from all worry and grief. I seek refuge in You from incapacity and slackness. I seek refuge in You from cowardice and niggardliness, and I seek refuge in You from being overcome by debt and being subjected to men".' The man said, 'When I did that, Allah removed all my worries and settled my debt'."

Related by Abu Dawood.


Fiqh-us-Sunnah Fiqh 4.132

When One is Faced with Something Difficult or Unpleasant

Abu Hurairah reported that the Prophet (saws) said, "When one of you is afflicted with any misfortune he should say, 'Inna li llahi wa inna 'ilayhi Raji'un (We are from Allah, and to Him is our return),' even if it be merely losing one's shoe straps, for this is also a misfortune."

Related by Ibn As-Sinni.


Abu Hurairah reported that the Prophet (saws) said, "A strong believer is better and dearer to Allah than a weak believer, and there is good in everyone, but cherish what gives you benefit in the Hereafter and seek help from Allah and do not lose heart, and if anything (in the form of trouble) comes to you, don't say, 'If I had not done that, such and such thing would not have happened,' but say, 'Allah has ordained it so, and whatever He Pleases, He Does,' because 'ifs' and 'buts' open the door for Shaytaan."

Related by Muslim.


Dear and Beloved Brother in Islam, may Allah Subhanah make your trial easy for you and relieve you of your debt, and may the Bounteous and Gracious Lord make you free from the need of anyone, except Him Alone.


Whatever written of Truth and benefit is only due to Allahs Assistance and Guidance, and whatever of error is of me. Allah Alone Knows Best and He is the Only Source of Strength.


Your Brother in Islam,





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