Dua for Settling Debt

اَللَّهُمَّ يَا فَارِجَ الْهَمِّ وَ مُنَفِّسَ الْغَمِّ

Allaahumma yaa faarijal hammi wa munaffisal ghammi

O Allah! O the averter of sorrows. O the dispeller of grief!

وَ مُذْهِبَ اْلاَحْزَانِ وَ مُجِيْبَ دَعْوَةِ الْمُضْطَرِّيْنَ

wa muzh’ibal ah’zaani wa mujeeba da’watil muz”t’arreen.

O the one to ward off the sorrow and O the one to accept the prayers of uneasy people.

يَا رَحْمٰنَ الدُّنْيَا وَ اْلآخِرَةِ وَ رَحِيْمَهُمَا

Yaa rah’maanad dunyaa wal aakhirati wa rah’eemahumaa

O the Beneficent in this world and the Hereafter.

اَنْتَ رَجائِى وَ رَحْمٰنَ كُلِّ شَیْءٍ

anta rajaa-ee wa rah’maana kulli shai-in

You are my only hope, and O the one to show mercy on everything, have mercy on me.

فَارْحَمْنِیْ رَحْمَةً تَغْنِيْنِیْ بِهَا عَنْ رَحْمَةٍ مِنْ سِوَاكَ

farh’amnee rah’matan taghneenee bihaa a’nr rah’matim min siwaaka

Shower such a mercy on me which excels every other mercy

وَ تَقْضِیْ بِهَا عَنِّیْ الدَّيْنَ كُلَّهُ.

wa taqz”ee bihaa a’nnid daina kullah.

and free me from all the debts.[3]

َللَّهُمَّ اَغْنِني بِحَلالِكَ عَنْ حَرامِكَ، وَ بِفَضْلِكَ عَمَّنْ سِواكَ.

bismil laahirrahmaanir raheem.allaahumma aghnenee behalaalekaa’n haraameka wa befazleka a’mman siwaaka Birahmatik, Yaa Arhamar Raahimeen.

In the name of Allah the Beneficent the Merciful. O Allah! Make me self-sufficient by permitted things from prohibited ones and by Your grace from all possessing powers:

اَللَّهُمَّ لَحْظَةً مِنْ لَحَظَاتِكَ

allahumma lahzatan min lahazatika

O Allah, (please grant me) one of Your looks

تُيَسِّرُ عَلَىٰ غُرَمَائِي بِهَا ٱلْقَضَاءَ

tuyassiru `ala ghurama'i biha alqada'a

by which You may make it easy for my debtors to settle their debts

وَتُيَسِّرُ لِي بِهَا ٱلٱِقْتِضَاءَ

wa tuyassiru li biha aliqtida'a

and for me to recover my loans.

إِنَّكَ عَلَىٰ كُلِّ شَيْ‏ءٍ قَدِيرٌ

innaka `ala kulli shay'in qadirun

You truly have power over all things.

اَللَّهُمَّ ٱرْدُدْ إِلىٰ جَمِيعِ خَلْقِكَ

allahumma urdud ila jami`i khalqika

O Allah, (please) help me pay back to all of Your creatures

مَظَالِمَهُمُ ٱلَّتِي قِبَلِي

mazalimahum allati qibali

their dues for which I am liable,

صَغِيرَهَا وَكَبِيرَهَا

saghiraha wa kabiraha

both the insignificant and the large,

فِي يُسْرٍ مِنْكَ وَعَافِيَةٍ

fi yusrin minka wa `afiyatin

with easiness and wellbeing from Your Presence.

وَمَا لَمْ تَبْلُغْهُ قُوَّتِي

wa ma lam tablughhu quwwati

As for the dues that I am too weak to settle,

وَلَمْ تَسَعْهُ ذَاتُ يَدِي

wa lam tasa`hu dhatu yadi

I am too poor to make up,

وَلَمْ يَقْوَ عَلَيْهِ بَدَنِي وَيَقِينِي وَنَفْسِي

wa lam yaqwa `alayhi badani wa yaqini wa nafsi

and my physique, certitude, and self are too short to satisfy,

فَادِّهِ عَنِّي مِنْ جَزِيلِ مَا عِنْدَكَ مِنْ فَضْلِكَ

fa'addihi `anni min jazili ma `indaka min fadlika

(please) settle them on behalf of me out of the abundant favor You own.

ثُمَّ لاَ تُخَلِّفْ عَلَيَّ مِنْهُ شَيْئاً تَقْضِيهِ مِنْ حَسَنَاتِي

thumma la tukhallif `alayya minhu shay'an taqdihi min hasanati

Then, (please) do not cut off any amount of it from my good deeds.

يَا ارْحَمَ ٱلرَّاحِمِينَ

ya arhama alrrahimina

O most merciful of all those who show mercy!

اشْهَدُ انْ لاَ إِلٰهَ إلاَّ ٱللَّهُ

ashhadu an la ilaha illa allahu

I bear witness that there is no god but Allah,

وَحْدَهُ لاَ شَرِيكَ لَهُ

wahdahu la sharika lahu

One and Only and having no associate with Him.

وَاشْهَدُ انَّ مُحَمَّداً عَبْدُهُ وَرَسُولُهُ

wa ashhadu anna muhammadan `abduhu wa rasuluhu

I bear witness that Muhammad is His servant and messenger,

وَانَّ ٱلدِّينَ كَمَا شَرَعَ

wa anna alddina kama shara`a

the religion is as exactly as He has legislated,

وَانَّ ٱلإِسْلاَمَ كَمَا وَصَفَ

wa anna al-islama kama wasafa

Islam is as exactly as He has described,

وَانَّ ٱلْكِتَابَ كَمَا انْزَلَ

wa anna alkitaba kama anzala

the Book is as exactly as He has revealed,

وَانَّ ٱلْقَوْلَ كَمَا حَدَّثَ

wa anna alqawla kama haddatha

the truth is as exactly as He has said,

وَانَّ ٱللَّهَ هُوَ ٱلْحَقُّ ٱلْمُبِينُ

wa anna allaha huwa alhaqqu almubinu

and Allah is the manifest truth.

ذَكَرَ ٱللَّهُ مُحَمَّداً وَاهْلَ بَيْتِهِ بِخَيْرٍ

dhakara allahu muhammadan wa ahla baytihi bikhayrin

May Allah make good mention of Muhammad and his Household

وَحَيَّىٰ مُحَمَّداً وَاهْلَ بَيْتِهِ بِٱلسَّلاَمِ

wa hayya muhammadan wa ahla baytihi bilssalami

and may He greet Muhammad and his Household with peace.

مَنْ مَطَلَ عَلَى ذِي حَقٍّ حَقَّهُ، وَ هُوَ يَقْدِرُ عَلَى أَدَاءِ حَقِّهِ فَعَلَيْهِ كُلَّ يَوْمٍ خَطِيئَةُ عَشَّار.

Whoever postpones repaying someone’s right while he is capable of doing has the sin of an extortionist written down for him as every day passes by. Prophet Muhammad (s)‏ Bihar al-Anwar, vol. 73, pg. 336

اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَرْحَمَنِی بِلَا إِلَهَ إِلَّا أَنْتَ اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَرْضِیَ عَنِّی بِلَا إِلَهَ إِلَّا أَنْتَ اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَغْفِرَ لِی بِلَا إِلَهَ إِلَّا أَنْتَ