Hisn al-Muslim 41
((اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ)).
(Allahumma innee aAAoothu bika minal-hammi walhuzn, walAAajzi walkasal, walbukhl, waljubn, wadalAAid-dayni waghalabatir-rijal)
(O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.)
Source: Hisn al-Muslim · Reference: Hisn al-Muslim 41
Translation: Hisn al-Muslim (Fortress of the Muslim), Sa'id al-Qahtani — see site-wide attribution
The same wording is also listed in this library under Invocations in times of worry and grief.
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Only one of the eight things named concerns debt, and it sits seventh in the list. The rest are states of mind and character — anxiety and sorrow, weakness and laziness, miserliness and cowardice — followed at the end by being overpowered by men. Refuge is sought once, at the opening, and governs everything after it. The wording never singles debt out or treats it differently from the seven around it.
Anas bin Malik reported these words, gathered by the chapter under the settling of a debt.
The chapter files it under debt, yet the wording gives debt a single clause among eight and never returns to it. What surrounds it is interior rather than financial.
About these notesThe notes above explain the wording of the supplication as it is translated on this page. They add no commentary, history or ruling beyond it.
It is listed at Sunan an-Nasai 5462 · 41:137.
Translated, it says: “O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.” Only one of the eight things named concerns debt, and it sits seventh in the list.
If you do not read Arabic, the romanised form is: “Allahumma innee aAAoothu bika minal-hammi walhuzn, walAAajzi walkasal, walbukhl, waljubn, wadalAAid-dayni waghalabatir-rijal”
Anas bin Malik reported these words, gathered by the chapter under the settling of a debt. The chapter files it under debt, yet the wording gives debt a single clause among eight and never returns to it.