What to say when in dept

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Dua to pay off debts:

اَللّٰهُمَّ اكْفِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِيْ بِفَضْلِكَ عَمَّنْ سِوَاكَ
(ترمذى)

O Allah, save me from haraam and make the halaal sufficient and by your boon/favour make me independent from others.
(Tirmidhi)

Dua to pay off debts:

اَللّٰهُمَّ إِنِّيْ أَعُوْذُ بِكَ مِنَ الْهَمِّ وَالْحُزْنِ وَأَعُوْذُ بِكَ مِنَ الْعَجْزِ وَالْكَسْلِ وَأَعُوْذُ بِكَ مِنَ الْجُبْنِ وَ الْبُخْلِ وَأَعُوْذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
(ابو داؤد)

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 cowardice and miserliness and I seek refuge in You from overwhelming debt and from the force of men.
(Abu Dawood)

Dua to pay off debts:

اَللّٰهُمَّ فَارِجَ الْهَمِّ كَاشِفَ الْغَمِّ مُجِيْبَ دَعْوَةِ الْمُضْطَرِّيْنَ رَحْمٰنَ الدُّنْيَا وَرَحِيْمَهَآ أَنْتَ تَرْحَمُنِيْ فَارْحَمْنِيْ بِرَحْمَةٍ تُغْنِيْنِيْ بِهَا عَنْ رَّحْمَةِ مَنْ سِوَاكَ
(حاكم)

O Allah! The Remover of Depression, the Eliminator of Sadness, the Acceptor of the dua of the helpless and the Most Merciful in the dunya and Aakhirah (world and hereafter), You are the only One who has mercy on me, hence, at this time, You show Your Special Mercy on me which will make me independent from the mercy of all those besides You.
(Haakim)

Dua when the debtor pays his debt:

أَوْفَيْتَنِيْ أَوْفَى اللهُ بِكَ
(بخارى)

You have paid my debt, may Allah give you plentiful (in this world and in the Aakhirat).
(Bukhari)

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