اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكْ
“O Allah, save me from haraam and make the halaal sufficient and by your boon/favour make me independent from others”.
These words were spoken by Ali (R.A.) taught by Prophet Mohammad (SAW.) when a person expressed a shortfall in his wealth to Ali (R.A.) he said: “Shall I not show you what Prophet Mohammad (SAW) taught me, even if there is a debt equal to that of a huge mountain then Allah will pay it”. Ali (R.A.) then recited the above dua.
Another dua for payment of debt
Abu Saeed Kudri (R.A.) narrates that once a person mentioned to Prophet Mohammad (SAW.) that he was concerned about his major debts. Prophet Mohammad (SAW.) replied “Shall I not show you those words by saying which Allah will remove your concern and pay your debts?” The person asked “What is it, O Messenger of Allah?” Prophet Mohammad (SAW.) told him to recite the following morning and evening:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْبُخْلِ وَالْجُبْنِ وَأَعُوذُ بِكَ مِنَ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
“O Allah I seek refuge in You from worry and grief, I seek refuge in You from hopelessness and laziness, I seek refuge in You from miserliness and cowardice and I seek refuge in You from overwhelming debt and from the force of men”.
The person stated that he recited this dua and Allah removed all his worries and debts.
Sayed-ul-Istighfaar (The leader of the duas of forgiveness), Shudaat bin Auwais Aas (R.A.) narrates that Prophet Mohammad (SAW.) said that Sayed Istighfaar is:
اللَّهُمَّ أَنْتَ رَبِّي لَا إِلَهَ إِلَّا أَنْتَ خَلَقْتَنِي وَأَنَا عَبْدُكَ وَأَنَا عَلَى عَهْدِكَ وَوَعْدِكَ مَا اسْتَطَعْتُ أَعُوذُ بِكَ مِنْ شَرِّ مَا صَنَعْتُ أَبُوءُ لَكَ بِنِعْمَتِكَ عَلَيَّ وَأَبُوءُ بِذَنْبِي فَاغْفِرْ لِي فَإِنَّهُ لَا يَغْفِرُ الذُّنُوبَ إِلَّا أَنْتَ
“O Allah, You are my Lord, there is none worthy of worship besides You, You have created me and I am Your servant, I am Your pact and promise, I seek refuge in You to the best of my ability from my evil sins. I testify to Your favours and to my sins, hence forgive me since there is no one else to forgive sins besides You”.
The person who recites this dua sincerely in the course of the day and night and dies will be among the people of Jannah. (Bukhari)