One day the Messenger of Allah (SA) entered the mosque.

He saw there a man from the Ansar (a resident of Madinah) called Abu Umamah and said to him: What is the matter that I am seeing you sitting in the mosque when there is no time of prayer? Abu Umamah said: I am entangled in sorrow and debts. The Prophet Muhammad (SA) replied: Shall I not teach you words by which, when you say them, Allah will remove your sorrow, and settle your debts? Abu Umamah said: Yes, Messenger of Allah. The Prophet Muhammad (SA) said: Say in the morning and evening: Allahumma inni audhu bika min alhama wal huzn wal ajzi wal kasali wal bukhli wa jubn wa dhalai dini wa ghalabatir rijaal. 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. Abu Umamah said: When I did that Allah removed my distress and settled my debt. [Abu Dawood] Ali (RA) said that a slave, who had made a contract with his master to pay for his freedom, came to him and said, I am unable to fulfill my contract, so help me. He said, Shall I not teach you some words which Allah s Messenger (SA) taught me, and which even if you had a debt as large as a mountain Allah would pay it for you? : Allahumma akfini bihala lika an haramika wa aghnini bi fadhlika am-man sawak. O Allah, grant me enough of what You make lawful that I may dispense with what You make unlawful, and make me independent, by Your bounty, of other than You. [At-Tirmidhi] The Prophet (SA) said to Muadh, Should I not teach you a supplication which, when used to implore Allah, Allah shall pay your debt, even it be as huge as Mount Uhud? He then mentioned them: Allahumma Maalik al-mulk, tu ti al-mulk man tasha wa tanzi almulk mimman tasha , wa tu izzu man tasha wa tudhilul man tasha , bi yadika al-khayr, innaka ala kulli shay in qadeer, Rahmaan aldunya wa l-aakhirah wa raheemahuma, tu teeyahuma man tasha wa tamna minhuma man tasha , arhamni rahmatan taghnini biha an rahmati man siwaaka. O Allah, Sovereign of all, You give dominion to whomsoever You will and You take dominion away from whomsoever You will, You exalt whomsoever You will and You bring low whomsoever You will. In Your hand is all goodness and You are able to do all things. Most Merciful and Most compassionate in this world and in the Hereafter, You give them to whomsoever You will and withhold them from whomsoever You will. Bestow mercy upon Me in such a manner that I have no need of the mercy of anyone but You. [Tabarani] narrated by Abu Sa id al-Khudri (RA):):