Bismillahir Rahmaanir
Raheem
LETTER
TEN
Debts
Question
Respected Maulana
As-Salaamu ‘alaikum wa-Rahmatullah
I am caught up in major debts. I
have a weakness of purchasing on credit, thinking I can cover my expenses in
the months which are interest-free. However, I am now in debts, ‘over my head’
and don’t know how to come out. Is there any wazeefa which I can read?
Reply
Bismihi
Ta’ala
Dear Brother,
Wa-alaykumus
Salaam wa-Rahmatullahi wa-Barakaatuhu
1.) Cut down the credit cards. Do
not purchase unnecessarily. Live within your budget. Get rid of surplus assets
by selling – whether car, furniture or other material possessions, and pay
off.
2.) Read the following Masnoon
Dua for easy payment of debts –
اَللّٰهُمَّ اِنِّيْ اَعُوْذُبِكَ مِنَ الْهَمِّ وَ
الْحُزْنِ وَ اَعُوْذُبِكَ مِنَ الْعَجْزِ وَ الْكَسْلِ
وَ
اَعُوْذُبِكَ مِنَ الْجُبْنِ وَ الْبُخْلِ وَ اَعُوْذُبِكَ مِنْ غَلَبَةِ
الدَّيْنِ وَ قَهْرِ الرِّجَالِ
"O Allah, I seek protection in You from all
worries and grief, and I seek protection in You from helplessness and laziness,
and I seek protection in You from miserliness and cowardice, and I seek
protection in You from overpowering debt and from the high-handedness of men.”
3.) We are all travellers on a
long journey home – to Jannah, Insha-Allah. This world is just a stop en-route.
We are all in transit until we board the flight of death.
A Muslim is thrifty with his time in the world, knowing
that preparation has to be made for the journey ahead, and not in amassing the
material things of this world. Whilst we make use of the things of this world,
we should not give our hearts to them and become negligent of our purpose in
this world.
4.) Curb your spending by
limiting your visits to shopping centres. Go when necessary and just to those
shops that have the items needed. Do not window shop or visit every shop and
get caught by the temptation to spend unnecessarily. What you do not see, you
will not desire.
5.) May Allah Ta’ala make it very
easy to pay off all debts.
Was-Salaamu alaykum wa-Rahmatullahi
wa-Barakaatuhu
Yunus Patel (Maulana)
