Dua for paying off debt

A man who was a slave came to the Commander of the Believers, ‘Ali ibn Abi Tālib (may Allah be pleased with him). He had entered into a contract with his master to buy himself and become free but did not have the money to fulfill the agreement. He said: Indeed, I have been unable to pay off what I owe, so help me settle it—either with money or by teaching and instruction. The Commander of the Believers said to him: Shall I not teach you words that the Messenger of Allah (may Allah's peace and blessings be upon him) taught me? Even if you had a debt as great as a mountain called Sīr, which belonged to the Tribe of Tayyi’, it would be repaid by Allah on your behalf, freeing you from its humiliation. He said: Say: (O Allah, suffice me), turn me away, and keep me distant (with what You have made lawful) so that I am content with it (against) falling into (what You have made unlawful). (And make me) and provide for me (with Your bounty) and generosity (in no need of anyone besides You) from among Your creation.

Benefits

• Consulting and seeking the opinion of the people of knowledge and religion.
• It is incumbent upon scholars and callers to Allah to guide and direct those they invite to solutions that help them address the problems they face.
• Encouraging the act of helping the Mukātab slave.
• Encouraging learning this supplication and asking Allah with it.
• Lawful sustenance, even if small, is better than unlawful wealth, even if abundant.
• Reliance upon Allah without dependence on the creation.
• Encouraging a kind response to the requester if you have nothing to give him.

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The Prophet (may Allah's peace and blessings be upon him) sought refuge from several things, which are:

First: (O Allah, I seek refuge), shelter, and protection (with You) not with anyone else (from the dominance of debt), its subjugation, grief, and distress, and I ask You for support to repay and settle it.

Second: (The dominance of the enemy), his subjugation and overpowering, and I ask You to ward off his harm and grant me victory over him.

Third: (And the gloat of the enemies) and their rejoicing at what befalls Muslims of misfortunes and calamities.

Benefits

• Encouraging the act of seeking refuge with Allah from everything that distracts one from obeying Him and causes concerns like debts and others.
• There is nothing wrong with debts in general; however, the case is different for those who tend not to repay debts, which is the dominant debt.
• Man has to avoid things that bring him gloat and criticism.
• Pointing out the disbelievers' hostility towards the believers and how they rejoice at their misfortunes.
• The enemies' expression of their delight at one's misfortune is harder for him than the misfortune itself.

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