Abdur Rahman ibn Yusuf Mangera – Treatise For The Seekers Of Guidance Part 34 Effective Prayers for Debt Relief

Abdur Rahman ibn Yusuf Mangera
Share Page

AI: Summary ©

The importance of asking for assistance in every situation is emphasized, especially for those who have little or no money to afford. Debt management is also emphasized, with emphasis on managing debts and not taking on unnecessary debt. The speakers also discuss various topics such as taxes, elections, and graduation from school, as well as the use of bounties and the desire for forgiveness.

AI: Summary ©

00:00:00 --> 00:00:03
			Bismillah R Rahman r Rahim
hamdulillah in Hamden Cathedral on
		
00:00:03 --> 00:00:07
			the human mobile rockin V Barack
anally he can now your headboard
		
00:00:07 --> 00:00:07
			buena.
		
00:00:09 --> 00:00:12
			Jalla Jalla who are Manawatu hos
Salatu was Salam ala Anna so you
		
00:00:12 --> 00:00:17
			will have even Mustafa SallAllahu
Tada Allah you are either early he
		
00:00:17 --> 00:00:21
			or sabe or Baraka was seldom at
the Sleeman girthier on Ilan and
		
00:00:21 --> 00:00:21
			Dean.
		
00:00:23 --> 00:00:23
			A mothered
		
00:00:25 --> 00:00:27
			Imam Hadith al Maha Simi says
		
00:00:28 --> 00:00:33
			weststein biLlahi. Frequently,
Amal was stuck at Lucha
		
00:00:33 --> 00:00:34
			physically, *,
		
00:00:35 --> 00:00:36
			sick.
		
00:00:38 --> 00:00:40
			seek assistance
		
00:00:41 --> 00:00:43
			with Allah in every matter.
		
00:00:44 --> 00:00:52
			And ask Allah, for hate and for
goodness, and for excellence. And
		
00:00:52 --> 00:00:56
			everything else that comes along
him that meaning in every
		
00:00:56 --> 00:00:59
			situation. So ask Allah for
goodness and excellence in
		
00:00:59 --> 00:01:04
			everything that you do, and seek
assistance in Allah in every one
		
00:01:04 --> 00:01:04
			of your matters.
		
00:01:06 --> 00:01:08
			Now, this is very important. I
think this ties in with something
		
00:01:08 --> 00:01:12
			that we discussed some weeks ago,
where we were discussing,
		
00:01:13 --> 00:01:15
			maybe it wasn't in this gathering,
but it was somewhere else. But the
		
00:01:15 --> 00:01:19
			lecture is online. It's about
people who are who can't have
		
00:01:19 --> 00:01:21
			children. And
		
00:01:22 --> 00:01:26
			that wasn't here, was it? No, but
it's online. Basically, what it
		
00:01:26 --> 00:01:29
			is, is that it ties in with the
whole idea of any kind of
		
00:01:29 --> 00:01:33
			sickness, what, what should our
approach be in any kind of
		
00:01:33 --> 00:01:38
			sickness. And in terms of
sicknesses, in terms of illnesses,
		
00:01:39 --> 00:01:43
			clearly, if somebody cannot have
children, that's a really big
		
00:01:43 --> 00:01:47
			psychological issue. So a lot of
people, what they will do is they
		
00:01:47 --> 00:01:53
			will obviously turn to maybe
medicines and tests and IVF
		
00:01:53 --> 00:01:56
			treatments and things of that
nature, which is completely fine
		
00:01:56 --> 00:01:59
			to try to get treatment for
something for any illness for that
		
00:01:59 --> 00:01:59
			matter.
		
00:02:00 --> 00:02:03
			But the one thing that we
generally miss out in anything,
		
00:02:03 --> 00:02:08
			which we highlighted there was
that also use two other things.
		
00:02:08 --> 00:02:11
			Number one, use all of the
spiritual means which are to ask
		
00:02:11 --> 00:02:14
			ALLAH SubhanA wa taala. And that's
what he's saying, in any one of
		
00:02:14 --> 00:02:17
			your matters, whether that be
writing an essay for school,
		
00:02:18 --> 00:02:22
			whether that be in helping you to
get a job, or to do something at
		
00:02:22 --> 00:02:25
			your work, a project that you need
to do or whether that be part of
		
00:02:25 --> 00:02:28
			your studies, or whether that be
purchasing something in your house
		
00:02:28 --> 00:02:32
			or whether that be studying or
whatever it may be, was starting
		
00:02:32 --> 00:02:35
			Billa if equally, you have to ask
Allah for assistance in every
		
00:02:35 --> 00:02:38
			matter because everything is in
the hands of Allah, everything is
		
00:02:38 --> 00:02:42
			within his powers. There's nothing
that we can do on our own.
		
00:02:43 --> 00:02:47
			Whatever we do, do, it's basically
it's based on whatever power Allah
		
00:02:47 --> 00:02:51
			has given us, and whatever
facility he has provided. So yes,
		
00:02:51 --> 00:02:54
			zero, holy, useless, we will
facilitate ease for them.
		
00:02:56 --> 00:02:57
			Those who do good,
		
00:02:58 --> 00:03:02
			and those who are miserly, then we
will facilitate facilitate is
		
00:03:02 --> 00:03:04
			probably not the right word here,
but it basically says for some
		
00:03:04 --> 00:03:07
			yessir hula Russa, we will
facilitate difficulty for them.
		
00:03:08 --> 00:03:13
			So facilitation, preparation,
giving us context and giving us
		
00:03:13 --> 00:03:16
			the right environment comes from
Allah subhanaw taala. We may have
		
00:03:16 --> 00:03:19
			all of the capability ability in
the world to do something
		
00:03:20 --> 00:03:25
			physically speaking, qualify, in
terms of qualifications, we may
		
00:03:25 --> 00:03:28
			have the qualifications to do
something we may have trained for
		
00:03:28 --> 00:03:32
			years to do something. But the one
who actually facilitates that at
		
00:03:32 --> 00:03:35
			the end, the end product, the
benefit, the baraka, the
		
00:03:35 --> 00:03:38
			consequence of it, and the result
of it, and it being praiseworthy
		
00:03:38 --> 00:03:42
			and blessing that comes from Allah
subhanaw taala. So,
		
00:03:44 --> 00:03:47
			if nothing else, there's actually
no harm in asking Allah subhanaw
		
00:03:47 --> 00:03:50
			taala anyway, but that's not the
reason we should do it that oh,
		
00:03:50 --> 00:03:53
			we're just going to do it. The
whole point is that we want to do
		
00:03:53 --> 00:03:54
			it
		
00:03:55 --> 00:03:59
			because he wants us to do it.
Wherever doesn't ask Allah Allah
		
00:03:59 --> 00:04:03
			yada dub it as a hadith says,
malaria, Salah yada barley. So
		
00:04:03 --> 00:04:05
			based on that there's something
else that I want to speak about,
		
00:04:05 --> 00:04:08
			aside from illnesses is another
thing that really plagues human
		
00:04:08 --> 00:04:12
			beings and puts in puts them into
great difficulty.
		
00:04:13 --> 00:04:18
			That's the topic I want to discuss
briefly here. Not in terms of what
		
00:04:18 --> 00:04:21
			is the philosophy behind it
because that will take much longer
		
00:04:21 --> 00:04:24
			what I want to discuss just today
is how do you ask Allah? So as I
		
00:04:24 --> 00:04:28
			said, one of the things the way we
ask Allah subhanaw taala is to ask
		
00:04:28 --> 00:04:33
			him by dua by turning to him. And
the other way that you do it is
		
00:04:33 --> 00:04:36
			that whatever methods Allah and
His prophets, Allah has suggested
		
00:04:36 --> 00:04:39
			we use them. So when it came to
illnesses and so on, you know, we
		
00:04:39 --> 00:04:44
			had some some water, right? We had
Shiva in honey, we had the black
		
00:04:44 --> 00:04:46
			seed. And
		
00:04:48 --> 00:04:51
			these were the kinds of more
holistic ways of doing things. So
		
00:04:51 --> 00:04:55
			while you may be taking medicine
and so on as well, but also take
		
00:04:55 --> 00:04:59
			these things, because that adds to
your whole holistic approach to
		
00:04:59 --> 00:04:59
			something
		
00:05:00 --> 00:05:02
			so that we're saying Allah
subhanaw taala that we're doing
		
00:05:02 --> 00:05:05
			what you have told us to do.
Likewise now that the topic for
		
00:05:05 --> 00:05:11
			today is about debt, this is
something that as you will see,
		
00:05:11 --> 00:05:16
			there's a statement of Amara, the
Allahu Anhu it says that
		
00:05:18 --> 00:05:24
			debts begin. He says, this is a
Hadith isolated in the motto of
		
00:05:24 --> 00:05:31
			Imam Malik says er como Dane. Er
como ordain for in a welder who
		
00:05:31 --> 00:05:35
			for in a word who Herman wa hero
who Harbin
		
00:05:36 --> 00:05:41
			the beginning of it for in a well
who Herman Wakita who Harbin, it
		
00:05:41 --> 00:05:47
			begins as a concern, it begins as
some worry, there's a bit of a
		
00:05:47 --> 00:05:52
			concern, I need to get a debt, and
you take the debt. But at the end
		
00:05:52 --> 00:05:56
			of it, sometimes it ends up in a
war in ends up in great
		
00:05:56 --> 00:05:59
			difficulty. Because if you can't
pay back, and especially if you
		
00:05:59 --> 00:06:03
			haven't moderated your debt, if
you haven't taken it according to
		
00:06:03 --> 00:06:10
			just absolute need, properly
calculated, and properly judged
		
00:06:10 --> 00:06:12
			that I will be able to pay this
back in the time that you've
		
00:06:12 --> 00:06:15
			basically promised, then you're
going to have to start lying,
		
00:06:16 --> 00:06:18
			you're going to have to start
evading, this is generally what
		
00:06:18 --> 00:06:21
			happens in it, when the time comes
up to pay,
		
00:06:22 --> 00:06:22
			then
		
00:06:23 --> 00:06:28
			you end up ducking and diving,
making excuses, false promises,
		
00:06:28 --> 00:06:33
			letting the other person down.
SubhanAllah. And if it's, if it's
		
00:06:33 --> 00:06:37
			an official, if it's a form of
debt, then you get people knocking
		
00:06:37 --> 00:06:41
			at your door, people standing
outside trying to take your car
		
00:06:41 --> 00:06:45
			trying to go into your house and
take your possessions. The
		
00:06:45 --> 00:06:49
			bailiffs Subhanallah, it's quite
tough and to get ends up in a war,
		
00:06:49 --> 00:06:53
			that's what he's saying. So the
whole idea in general is to try to
		
00:06:53 --> 00:06:58
			avoid as much as possible. What
would the other mention is that
		
00:06:58 --> 00:07:01
			there are two types of debts that
a person or two states in which a
		
00:07:01 --> 00:07:05
			person may take a debt, that the
norm of the world is that
		
00:07:05 --> 00:07:09
			sometimes a person doesn't have
enough for their basic essentials,
		
00:07:09 --> 00:07:11
			there are people who don't have
enough money to eat.
		
00:07:14 --> 00:07:17
			There are some people who have
gone I mean, I met some some
		
00:07:17 --> 00:07:19
			individuals like this recently in
India.
		
00:07:20 --> 00:07:23
			And basically, their medicine cost
about 20 pounds a month, but they
		
00:07:23 --> 00:07:27
			don't have 20 pounds. They've just
had a stroke. I mean, the guy's
		
00:07:27 --> 00:07:32
			had a stroke, his left hand side
is all gone, paralyzed. And in
		
00:07:32 --> 00:07:36
			order, the medicine that seems to
be working cost about 17 1800
		
00:07:36 --> 00:07:39
			rupees, which is about 20 pounds,
that's great. But he doesn't have
		
00:07:39 --> 00:07:43
			that kind of money. Because he
probably just has enough to scrape
		
00:07:43 --> 00:07:47
			by to maybe just eat for him and
his, his wife and maybe his son.
		
00:07:48 --> 00:07:52
			So there are people like that. So
people do sometimes need to take a
		
00:07:52 --> 00:07:57
			loan from somebody short term
generally, so that they can go and
		
00:07:57 --> 00:08:00
			do something that they need to do,
basically, for an essential,
		
00:08:01 --> 00:08:04
			that's what we're saying. They
need to take a loan to feed
		
00:08:04 --> 00:08:08
			themselves, maybe to take some
transport to go somewhere that's
		
00:08:08 --> 00:08:09
			important.
		
00:08:10 --> 00:08:15
			This is not luxury loans. This is
not for indulgence loans. These
		
00:08:15 --> 00:08:18
			are not loans to have a nice
holiday. I don't have the money.
		
00:08:18 --> 00:08:22
			But let's do that. This is not a
loan to buy a new TV. You've got
		
00:08:22 --> 00:08:28
			one, right, but now you want a
nice big led, you know, whatever
		
00:08:28 --> 00:08:32
			you call them, the big ones, the
curved ones, just because your
		
00:08:32 --> 00:08:34
			friend has one. So you need to do
that.
		
00:08:36 --> 00:08:38
			So the idea is that if a person
		
00:08:39 --> 00:08:41
			takes a loan for a need,
		
00:08:42 --> 00:08:46
			the sources indicate that you will
be assisted in repayment.
		
00:08:47 --> 00:08:52
			Right if you have to. But it also
says that woman yet or if you're a
		
00:08:52 --> 00:08:56
			full hula, the one who abstains
the one who wants to remain chaste
		
00:08:56 --> 00:08:59
			of this and aloof of this and
doesn't want to get a cup of a
		
00:08:59 --> 00:09:03
			nurse doesn't want to put his
hands in front of people. Then
		
00:09:03 --> 00:09:07
			you're in for Hala Allah subhanahu
wa taala will make him will make
		
00:09:07 --> 00:09:12
			him chaste. Allah will keep him
but that requires this aspect.
		
00:09:12 --> 00:09:16
			There is a reliance in Allah
aspect that needs to some people
		
00:09:16 --> 00:09:19
			need to take a loan and they take
a loan, Allah will help them pay
		
00:09:19 --> 00:09:22
			it. But those who take it for
additional things that are not
		
00:09:22 --> 00:09:24
			necessary, they're just for
indulgence and just for fun, if
		
00:09:24 --> 00:09:28
			desired, therefore, showing off
therefore competing with somebody
		
00:09:29 --> 00:09:33
			there just for enjoyment purely
and it's sometimes beyond the
		
00:09:33 --> 00:09:36
			means. I mean, one of the simplest
ones to look at here simplest
		
00:09:36 --> 00:09:40
			examples here is when a person
needs to do it because he needs to
		
00:09:40 --> 00:09:43
			really show off in their wedding
and they don't have the money and
		
00:09:43 --> 00:09:45
			a basic wedding will cost them
20,000
		
00:09:46 --> 00:09:49
			Right. You could get a wedding for
seven 8000 right if you want to
		
00:09:49 --> 00:09:53
			feed a decent amount of people you
could do it 70,000 But no you need
		
00:09:53 --> 00:09:54
			you know you need the additional
		
00:09:55 --> 00:10:00
			adornments and embellishments and
the special cars and a special
		
00:10:00 --> 00:10:02
			hall you can't get the local hall
or community hall you have to get
		
00:10:02 --> 00:10:06
			a special one, a special banquet
hall. Right? You know, for
		
00:10:06 --> 00:10:08
			example, because your brother did
that, or your friend did that or
		
00:10:08 --> 00:10:11
			other people in your community
don't. So you take a loan of
		
00:10:11 --> 00:10:13
			20,000 to do that.
		
00:10:14 --> 00:10:18
			That's all then in that case,
you're, it's, it's, there's a
		
00:10:18 --> 00:10:22
			hazard in that because then you're
not going to be assisted. Because
		
00:10:22 --> 00:10:26
			that's not done purely out of need
Allah subhanaw taala understands
		
00:10:26 --> 00:10:29
			need Allah is with the people who
are in need, whose hearts are
		
00:10:29 --> 00:10:32
			broken, Allah is with them. Allah
is with the vulnerable he assists
		
00:10:32 --> 00:10:35
			those kinds of people. So if a
person is in need and he takes a
		
00:10:35 --> 00:10:38
			loan, it's understandable but
where there's no need and then
		
00:10:38 --> 00:10:43
			they take a loan for no reason.
Right? That's where it gets it
		
00:10:43 --> 00:10:44
			gets problematic
		
00:10:45 --> 00:10:50
			because I want to focus entirely
on the cure or on the solution for
		
00:10:50 --> 00:10:53
			this in this in terms of the doors
for this that's why I don't I'm
		
00:10:53 --> 00:10:55
			not gonna go too much into the
philosophy of it that will be
		
00:10:55 --> 00:10:59
			inshallah some other time. But
what ALLAH SubhanA wa Tada says in
		
00:10:59 --> 00:11:02
			Surah Nahal is warmer becoming
Niramit informing Allah, whatever
		
00:11:02 --> 00:11:06
			bounty that you have, that you've
been given or you found yourself
		
00:11:06 --> 00:11:11
			in, that is from Allah, so maybe
that must circle Maduro, for LA
		
00:11:11 --> 00:11:16
			Hitesh Arun. Then when difficulty
strikes you, when it's when some
		
00:11:16 --> 00:11:21
			kind of difficulty comes upon you,
then then to him that then you
		
00:11:21 --> 00:11:23
			have to return them to him you
have to turn
		
00:11:24 --> 00:11:27
			the Prophet sallallahu olives and
just in generally, just to give us
		
00:11:27 --> 00:11:30
			some context here, there's a
hadith in Sahih al Bukhari where
		
00:11:31 --> 00:11:33
			it mentions very clearly that the
Prophet sallallahu alayhi wa
		
00:11:33 --> 00:11:37
			sallam This is a narration of
selama acquire the Allahu upon the
		
00:11:37 --> 00:11:42
			prophets of Allah ism used to
really really discourage loans for
		
00:11:42 --> 00:11:45
			no reason, especially those that
you're unable to pay in due
		
00:11:45 --> 00:11:48
			course. So if you are going to
take a loan, make sure that it's
		
00:11:48 --> 00:11:53
			something that you can pay off. So
it's a calculated loan. So the
		
00:11:53 --> 00:11:55
			Hadith says that the Prophet
sallallahu alayhi wa sallam
		
00:11:57 --> 00:12:01
			was brought a janazah a funeral
was brought to him so that he prey
		
00:12:01 --> 00:12:06
			upon it. He made the Sadat's. He
said * Allah, He mundane, does
		
00:12:06 --> 00:12:11
			he have any debt? So they said,
No, so the promises on perform
		
00:12:11 --> 00:12:11
			prayer.
		
00:12:12 --> 00:12:15
			Then another one was brought some
other time, you know, and the
		
00:12:15 --> 00:12:19
			Prophet sallallahu Sallam asked
how early him Indane lets you have
		
00:12:19 --> 00:12:23
			a debt. They said yes. So the
Prophet said Allah some said
		
00:12:23 --> 00:12:28
			Salou, Allah Sahibi calm. You guys
pray on your on your companion. He
		
00:12:28 --> 00:12:30
			refused to pray. He didn't pray.
		
00:12:31 --> 00:12:35
			So then Abu Qatada the Allahu Anhu
was there he said, Allah yada. You
		
00:12:35 --> 00:12:39
			know, here rasool Allah, I'll take
care of his day. I'll take care of
		
00:12:39 --> 00:12:42
			his debt, the IRS will Allah so
then the professor Lawson
		
00:12:42 --> 00:12:43
			performed
		
00:12:44 --> 00:12:48
			Jabara the Allahu Anhu relates
this in a slightly different way.
		
00:12:48 --> 00:12:50
			Or maybe it's a different
incident, or maybe it's the same
		
00:12:50 --> 00:12:53
			incident, probably a different
incident, which is related by
		
00:12:53 --> 00:12:57
			Muhammad from him, that a person
passed away we Jabiru the Allahu
		
00:12:57 --> 00:13:01
			anhu, saying this a person passed
away we were doing, we bathed him.
		
00:13:01 --> 00:13:05
			And then after that we put on his
handled his perfume and so on. And
		
00:13:05 --> 00:13:09
			then we gave him the shout, we
shouted him, then we came, brought
		
00:13:09 --> 00:13:13
			him to the Prophet sallallahu
alayhi wa sallam, so that he could
		
00:13:13 --> 00:13:18
			pray on it. So we asked to
somebody, will you will you pray
		
00:13:18 --> 00:13:22
			on him? So he took a few steps in
that direction, it seems to prey
		
00:13:22 --> 00:13:25
			on him. And then suddenly he said,
Are they he then does he have a
		
00:13:25 --> 00:13:30
			debt? Does he owe anybody any
money? So you said Yeah, Dena Ron
		
00:13:30 --> 00:13:33
			here to gold to gold dinars. He
That's how much he owns. So there
		
00:13:33 --> 00:13:34
			was some turned away
		
00:13:36 --> 00:13:40
			to show that he's not going to
pray. Abu Qatada or the Allah one
		
00:13:41 --> 00:13:44
			said that I will assume
responsibility for this. I'll take
		
00:13:44 --> 00:13:47
			liability, right. So
		
00:13:48 --> 00:13:50
			we came to him, and
		
00:13:52 --> 00:13:55
			Abu Qatada, he agreed to take
responsibility. So the Prophet
		
00:13:55 --> 00:13:56
			sallallahu sallam said,
		
00:13:58 --> 00:14:02
			You're gonna take responsibility,
and you're gonna pay off the
		
00:14:02 --> 00:14:05
			person who is owed the money, and
then this person will be
		
00:14:05 --> 00:14:08
			exonerated. That's it just to
clarify what kind of
		
00:14:08 --> 00:14:13
			responsibility he's taking. So a
Buddha said yes, now so then the
		
00:14:13 --> 00:14:16
			Prophet saw some performed
Salatin, him right now you would
		
00:14:16 --> 00:14:19
			have thought he was done and
dusted. Right? But no.
		
00:14:22 --> 00:14:25
			About a day after that, the
prophets Allah some said what
		
00:14:25 --> 00:14:30
			happened to those two dinars? Have
they been paid off basically? So
		
00:14:30 --> 00:14:33
			he said, No, I think he was busy
yesterday. He couldn't do it
		
00:14:33 --> 00:14:37
			yesterday. So the day after the
province has amassed again, have
		
00:14:37 --> 00:14:41
			they been paid off? And then he's
got coffee to Houma. Yes, now I've
		
00:14:41 --> 00:14:46
			paid them off. So then the Prophet
sallallahu said, I'll earn, borrow
		
00:14:46 --> 00:14:52
			that la he will do who? Finally
it's only now that his skin has
		
00:14:52 --> 00:14:59
			now cooled, basically saying that
he was still within the suspension
		
00:14:59 --> 00:14:59
			of
		
00:15:00 --> 00:15:04
			Having to repay the debt, having
died without having paid it.
		
00:15:04 --> 00:15:07
			That's why you'll notice the
practice that we have generally
		
00:15:07 --> 00:15:10
			you'll see at our Genesis that one
of the family members generally
		
00:15:10 --> 00:15:15
			will announce that if there's
anybody who owes money to them, to
		
00:15:15 --> 00:15:19
			hit to who or who's owed money by
the deceased, then please let us
		
00:15:19 --> 00:15:22
			know. And we'll pay them. So that
it's quite important. It's not
		
00:15:22 --> 00:15:24
			like just some kind of ritualistic
thing that's happening there. But
		
00:15:24 --> 00:15:28
			it's important. And the main thing
is that one needs to manage their
		
00:15:28 --> 00:15:31
			debts don't take on more than you
can, I mean, the kind of student
		
00:15:31 --> 00:15:34
			debts, I know, there's some doubt
in there as to how that takes
		
00:15:34 --> 00:15:37
			place and all the rest of it,
whether you have to pay and so on
		
00:15:37 --> 00:15:38
			and so forth, right.
		
00:15:39 --> 00:15:40
			So
		
00:15:42 --> 00:15:46
			it's just best not to take on
depths unless it's very necessary.
		
00:15:47 --> 00:15:51
			And I'm not discussing student
debts today, right? That's not my
		
00:15:51 --> 00:15:55
			topic here. So I'm not, you know,
I'm not speaking about it either
		
00:15:55 --> 00:15:59
			way. I'm just mentioning debts in
general for whatever they may be.
		
00:15:59 --> 00:16:01
			And as I said, if you're going to
take them, make sure they're taken
		
00:16:01 --> 00:16:05
			for necessity, only, not for
indulgence. And if they're taken
		
00:16:05 --> 00:16:07
			for necessity, it's good. I mean,
there's another Hadith that I'd
		
00:16:07 --> 00:16:09
			like to clarify here as well, that
the prophets, Allah Simpson,
		
00:16:09 --> 00:16:14
			whoever takes a debt, whoever
takes a loan, with a Express full
		
00:16:14 --> 00:16:17
			intention to repay it, Allah will
help him
		
00:16:18 --> 00:16:18
			to repay it.
		
00:16:20 --> 00:16:23
			And there's like, no doubt about
this seriously, if you've taken a
		
00:16:24 --> 00:16:28
			loan for a very important,
necessary reason, and your full
		
00:16:28 --> 00:16:31
			intention is to pay, you've
calculated it, Allah will help
		
00:16:31 --> 00:16:36
			you. You may even end up paying it
before you thought you could have
		
00:16:36 --> 00:16:39
			paid it, believe me, I guess, no
doubt about that. But if somebody
		
00:16:39 --> 00:16:45
			takes a loan from somebody, to
squander it, and with no, no real
		
00:16:45 --> 00:16:48
			intention to repay, and he's got
lots of money, and I mean, just
		
00:16:48 --> 00:16:52
			borrow the money. Right? No real
intention. It says that Atla fala
		
00:16:52 --> 00:16:55
			whiny that it will be destroyed
upon him in the sense that he
		
00:16:55 --> 00:16:59
			won't gain any Baraka with this
money that he's taken. And it will
		
00:16:59 --> 00:17:02
			make it very difficult for you to
repay as well. He didn't really
		
00:17:02 --> 00:17:05
			get the fulfillment out of it. So
I'm going to just tell us a few
		
00:17:05 --> 00:17:08
			dollars today, that's really what
I wanted to discuss today, a few
		
00:17:08 --> 00:17:12
			dollars because there's a lots of
people in this. Lots of people who
		
00:17:12 --> 00:17:14
			have some kind of debt, whether it
be long term debt, short term
		
00:17:14 --> 00:17:18
			debt, it's a it's a worry on the
head, it's something that really
		
00:17:18 --> 00:17:22
			plagues people makes it very
difficult to them. So that's why
		
00:17:23 --> 00:17:25
			let me let me just go through a
number of doors. You don't have to
		
00:17:25 --> 00:17:29
			do all of these to us, but there
are approximately 14 to 15 doors
		
00:17:29 --> 00:17:32
			that are mentioned in the Hadith
in which the Prophet sallallahu
		
00:17:32 --> 00:17:34
			Sallam sought refuge from debt.
		
00:17:36 --> 00:17:40
			There's about 14 or 15 I'm going
to go through quite a few of them.
		
00:17:41 --> 00:17:45
			Now inshallah we'll we'll put some
of this up online, some of these
		
00:17:45 --> 00:17:48
			doors are now you don't have to do
all of them. Maybe you can do one
		
00:17:48 --> 00:17:52
			of each of the different ones, and
keep that as part of your DUA.
		
00:17:53 --> 00:17:56
			Even if you don't have a debt.
This doesn't mean that only if
		
00:17:56 --> 00:17:59
			you've got a debt you should be we
should be reading these doors. The
		
00:17:59 --> 00:18:01
			idea is that we want to be
protected from ever being in a
		
00:18:01 --> 00:18:05
			situation that we have to take a
debt that can't be managed by us.
		
00:18:07 --> 00:18:10
			Alright, you shall have the Allahu
Anhu reports that the Prophet
		
00:18:10 --> 00:18:14
			sallallahu alayhi wa sallam used
to recite this dua The following
		
00:18:14 --> 00:18:19
			are in between his Tisha hood, in
the last setting is the shadowed
		
00:18:19 --> 00:18:22
			under Salam. You know at the end
after the Salawat and the Prophet
		
00:18:22 --> 00:18:26
			sallallahu Sallam we make a dua
some people say Robina attina for
		
00:18:26 --> 00:18:27
			dunya Hasina.
		
00:18:29 --> 00:18:33
			Some people read Allahumma inni
walhampton FC Holman Kathira but
		
00:18:33 --> 00:18:36
			in addition, you can add there
especially in your sunnah novel
		
00:18:36 --> 00:18:39
			press especially, you can add
there this following though this
		
00:18:39 --> 00:18:42
			is what the professor Lawson used
to recite and most likely this is
		
00:18:42 --> 00:18:45
			referring to the his knuffel
prayers, because if I shall not be
		
00:18:45 --> 00:18:49
			alone is reporting that then most
likely it's the home prayers that
		
00:18:49 --> 00:18:51
			hit tahajjud prayers, the knuffel
prayers because that's where she
		
00:18:51 --> 00:18:55
			was more closer to him as an Imam,
the horsell was outside in the
		
00:18:55 --> 00:18:58
			masjid, a worker abnormal so they
would know about this. And
		
00:18:58 --> 00:19:00
			generally within the Hanafi
school, they encourage additional
		
00:19:00 --> 00:19:03
			doses and so to be done in Sunnah
knuffel Praise is supposed to
		
00:19:03 --> 00:19:06
			follow up prayers, keep the Father
as they are and add all of these
		
00:19:06 --> 00:19:11
			things. So generally, this is the
dua Allahumma inni are all the
		
00:19:11 --> 00:19:15
			weaker, you can repeat it at least
so we've read all of these doors
		
00:19:15 --> 00:19:17
			once at least Allahumma in the art
with the weaker
		
00:19:18 --> 00:19:20
			middle, semi well Muslim
		
00:19:22 --> 00:19:26
			Oh Allah I seek your refuge from
them which comes from Islam which
		
00:19:26 --> 00:19:31
			means sin. Right so I seek your
refuge from sin and muharram which
		
00:19:31 --> 00:19:35
			comes from a haram orama which is
liability burden.
		
00:19:36 --> 00:19:39
			Which is basically debt we're
talking about here. I seek your
		
00:19:39 --> 00:19:45
			refuge from from sin and from debt
especially the the debt that he's
		
00:19:45 --> 00:19:47
			talking about his that the debt
that you feel the liability for
		
00:19:47 --> 00:19:53
			that is a weight weighs upon you.
So then somebody else that
		
00:19:55 --> 00:19:57
			somebody asks the prophets Allah
Allahu Allah because remember if
		
00:19:57 --> 00:19:59
			he's doing this in many of his
prayers is actually the Alana.
		
00:20:00 --> 00:20:02
			is reporting. Then somebody asked
		
00:20:04 --> 00:20:10
			the messenger, why do you seek so
much refuge from debt? Why all of
		
00:20:10 --> 00:20:16
			this seeking protection from debt
says because this hadith in Sahih
		
00:20:16 --> 00:20:20
			al Bukhari, by the way, in Orajel,
either Hareem had data for
		
00:20:20 --> 00:20:25
			carrabba. Well, what are the
clever taking a debt could
		
00:20:25 --> 00:20:29
			actually bring out the worst in
you could bring out the worst in
		
00:20:29 --> 00:20:31
			you, a person when they
		
00:20:32 --> 00:20:36
			Karima when they are in debt, they
will speak and lie.
		
00:20:37 --> 00:20:40
			Because what else are you going to
do when the time comes up, and you
		
00:20:40 --> 00:20:42
			don't have the money to pay or you
don't intend to pay?
		
00:20:43 --> 00:20:47
			I've heard the stories. You know,
I've seen cases like this, and the
		
00:20:48 --> 00:20:52
			amazing, incredible stories,
people will make up. You know, I
		
00:20:52 --> 00:20:54
			had the money yesterday, and I
lost it.
		
00:20:55 --> 00:20:58
			You know, I had the money I was
about to bring it to you. And this
		
00:20:58 --> 00:21:01
			Sunday came, there's another guy
who owes me it's always a chain.
		
00:21:02 --> 00:21:05
			In Debt, it's always a chain, you
know what I mean by a chain,
		
00:21:05 --> 00:21:10
			right? You owe somebody money.
Your your the way you the way
		
00:21:10 --> 00:21:14
			people generally calculate this is
that I'll pay when that guy pays
		
00:21:14 --> 00:21:18
			me. And he's got the same kind of
onward chain. And that guy doesn't
		
00:21:18 --> 00:21:21
			pay him and he doesn't pay him.
And he doesn't pay him.
		
00:21:22 --> 00:21:27
			Subhanallah it's quite complicated
sometimes. So the person where
		
00:21:27 --> 00:21:31
			he'll speak and he'll lie, he will
make promises and he will break
		
00:21:31 --> 00:21:33
			promises. That's what the Prophet
sallallahu sallam said, that's why
		
00:21:33 --> 00:21:37
			the promise loves me seeking so
much refuge. Don't let me get into
		
00:21:37 --> 00:21:41
			this situation. And remember the
process and did used to get in
		
00:21:41 --> 00:21:44
			debt. Because he didn't have much
something his debt was generally
		
00:21:44 --> 00:21:48
			based on pointing, which is to
give something like at the end,
		
00:21:48 --> 00:21:53
			before he passed away, he had
given a piece of his armor, coat
		
00:21:53 --> 00:21:58
			of armor to a pawn owner, shop
owner upon lender, whatever it is,
		
00:21:59 --> 00:22:02
			and he had taken some money from
him for that. So generally, that's
		
00:22:02 --> 00:22:04
			the way he would do it. So at
least there's a collateral.
		
00:22:06 --> 00:22:09
			At least there's that proxy, you
know, in place of it's not like
		
00:22:09 --> 00:22:13
			just a pure, pure loan where, at
least in this case, if you can't
		
00:22:13 --> 00:22:16
			pay the person can take the
possession, the article that is
		
00:22:16 --> 00:22:16
			left to them.
		
00:22:17 --> 00:22:20
			There's another Hadith which is
related from the Prophet
		
00:22:20 --> 00:22:22
			sallallahu alayhi wa sallam in
image metazoa.
		
00:22:23 --> 00:22:27
			Anybody who seeks a debt, six
alone from someone,
		
00:22:29 --> 00:22:33
			and he doesn't really intend to
repay back properly, at least in
		
00:22:33 --> 00:22:36
			time, I'm telling him two months,
but you know, I'll pull a year or
		
00:22:36 --> 00:22:37
			something.
		
00:22:38 --> 00:22:41
			Nothing much you can do, they can
do really right.
		
00:22:43 --> 00:22:44
			So he took the money.
		
00:22:46 --> 00:22:46
			But then
		
00:22:48 --> 00:22:51
			sort of always said that after
that the person died. Without
		
00:22:51 --> 00:22:53
			being able to repay in time,
		
00:22:54 --> 00:22:59
			he will meet with Allah subhanho
wa taala. He will meet with Allah
		
00:22:59 --> 00:23:01
			subhanho wa Taala as a thief,
		
00:23:03 --> 00:23:06
			the way a thief will have to stand
in front of Allah subhanaw taala
		
00:23:06 --> 00:23:09
			this person didn't really steal,
did he? He didn't, because
		
00:23:09 --> 00:23:13
			stealing means to take something
surreptitiously. He had actually
		
00:23:13 --> 00:23:16
			obviously taken away permission,
but his intention was like that to
		
00:23:16 --> 00:23:18
			not give it back and he died
before he was able to give back.
		
00:23:19 --> 00:23:22
			So it's quite a it's quite a
difficult thing to get into.
		
00:23:25 --> 00:23:29
			Now let me go through some of the
doors I shot of the Allahu Anhu
		
00:23:29 --> 00:23:31
			relates this is a Hadith in Sahih
al Bukhari
		
00:23:33 --> 00:23:35
			that the Prophet sallallahu alayhi
wa sallam
		
00:23:37 --> 00:23:41
			used to recite this dua. So in one
version, he has the shorter one,
		
00:23:43 --> 00:23:46
			which is actually part of this
longer one. So that that was
		
00:23:46 --> 00:23:50
			actually just part of this longer
though the actual full dua is
		
00:23:50 --> 00:23:53
			Allah Khomeini I will give you
another bit of cover. This is what
		
00:23:53 --> 00:23:56
			the person needs to make dua for
in his sitting final setting our
		
00:23:56 --> 00:23:58
			lives seek your refuge from the
punishment of the grave.
		
00:24:00 --> 00:24:03
			Why would you become an fitna till
mercy hit the jewel I seek your
		
00:24:03 --> 00:24:09
			refuge from the from the trials of
the jewel the when he comes. What
		
00:24:09 --> 00:24:13
			are all the becoming fitna till
mahiya will fit little Mamet and I
		
00:24:13 --> 00:24:19
			seek refuge from all the
temptations of life, and all the
		
00:24:19 --> 00:24:23
			trials that death will bring. So
you can see these are of immense
		
00:24:23 --> 00:24:28
			nature. These are really enormous
problems and fitness. Allahu
		
00:24:28 --> 00:24:31
			mignon. And then he would say,
Allah Who me now doing that Samuel
		
00:24:31 --> 00:24:34
			McCrum. If you notice, all of the
others were kind of on these big
		
00:24:34 --> 00:24:40
			events, and then the current, the
sin and the debt, he's added that
		
00:24:40 --> 00:24:41
			to it.
		
00:24:43 --> 00:24:46
			So we should we should try to read
at least that last person last one
		
00:24:46 --> 00:24:51
			last one. Another hadith is
related from Abu Huraira to the
		
00:24:51 --> 00:24:54
			Allahu anhu, in which the Prophet
salallahu alayhi wa sallam said
		
00:24:54 --> 00:24:59
			that when you lie down on your
bed, you know when you lie down to
		
00:24:59 --> 00:24:59
			rest
		
00:25:00 --> 00:25:04
			Then read this dua and you can
repeat this after me Allahu
		
00:25:04 --> 00:25:06
			Murghab Assa T warble rd
		
00:25:09 --> 00:25:10
			warble Arshi la vie
		
00:25:12 --> 00:25:15
			Robina Warabi Cooley che
		
00:25:17 --> 00:25:22
			30 Call happy whenever you
Wellmune Zilla Tora twill injeel
		
00:25:24 --> 00:25:25
			well for con
		
00:25:26 --> 00:25:27
			our who
		
00:25:29 --> 00:25:31
			becoming shattered equally che
		
00:25:34 --> 00:25:36
			and hidden been our B now sia T
		
00:25:39 --> 00:25:41
			Allahumma. Intel oh well,
		
00:25:42 --> 00:25:44
			Felisa copula cache.
		
00:25:45 --> 00:25:46
			What interlock
		
00:25:47 --> 00:25:48
			Felisa Barracuda cache
		
00:25:50 --> 00:25:51
			Wonderwall here.
		
00:25:52 --> 00:25:54
			Felisa fo caca shape.
		
00:25:56 --> 00:25:59
			What Intel Boulton Felisa do in a
cache
		
00:26:01 --> 00:26:02
			called the Anna Dana
		
00:26:03 --> 00:26:05
			White arena mineral fucker.
		
00:26:07 --> 00:26:10
			This one's related by Sir him in
Sahih Muslim, Abu Huraira young
		
00:26:10 --> 00:26:14
			report says, Oh Allah, the Lord of
the heavens and the Lord of the
		
00:26:14 --> 00:26:17
			earth and the Lord of the Mighty
Throne, always invoking some of
		
00:26:17 --> 00:26:22
			the mightiest things. Our Lord Our
the Lord of everything, the one
		
00:26:22 --> 00:26:22
			who
		
00:26:23 --> 00:26:28
			allow seeds to come allows the one
who tears seeds apart to bring out
		
00:26:28 --> 00:26:32
			the fruits to bring out the plants
from it's quite a phenomenal
		
00:26:32 --> 00:26:35
			activity, the one who revealed the
Torah and the Injeel and the
		
00:26:35 --> 00:26:40
			furqan I seek refuge in You from
the evil of everything who's
		
00:26:40 --> 00:26:44
			forelocks or who's whose neck you
have in your possession basically
		
00:26:44 --> 00:26:47
			everything that's under your
control and can be evil of Allah I
		
00:26:47 --> 00:26:50
			seek your refuge from it. Oh Allah
you are the first and before you
		
00:26:50 --> 00:26:54
			was nothing you are the you are
the end and after you will is
		
00:26:54 --> 00:26:57
			nothing you are the manifest and
there's nothing above you You are
		
00:26:58 --> 00:27:03
			the hidden and there's nothing
more there's nothing that is that
		
00:27:03 --> 00:27:03
			is
		
00:27:04 --> 00:27:09
			below that it and this is the main
part of linear equal we are adding
		
00:27:09 --> 00:27:09
			a Dane
		
00:27:13 --> 00:27:18
			repay our debt repaid from us our
debt whatever that we have and
		
00:27:18 --> 00:27:21
			this doesn't have to be just money
monetary debt could be any debt
		
00:27:22 --> 00:27:25
			you know debt to Allah as well and
		
00:27:26 --> 00:27:29
			keep us safe and free from need
and poverty.
		
00:27:31 --> 00:27:31
			So
		
00:27:33 --> 00:27:37
			even if you can't read the whole
thing if you are in trouble and
		
00:27:37 --> 00:27:40
			you are fearful of this then read
the whole thing otherwise at least
		
00:27:40 --> 00:27:44
			read a part of this every day.
Another one is added to the hola
		
00:27:44 --> 00:27:47
			Juan relates incident libido this
one is Allah Who Mania with a
		
00:27:47 --> 00:27:50
			bigger wedge it will carry more
kinematic term I mean shettima and
		
00:27:50 --> 00:27:53
			the arqiva may now see it Allah
Who man the duck Chevelle mother
		
00:27:53 --> 00:27:56
			I'm Old Madam. Allahu Allah who
has an agenda koala yo Khalifa
		
00:27:56 --> 00:27:59
			Dakota in fact with Elijah
dominical jutsu Hanukkah will be
		
00:27:59 --> 00:28:02
			hunting again invoking Allah
subhanaw taala with all of his
		
00:28:02 --> 00:28:07
			great names and words and
everything under his control and
		
00:28:07 --> 00:28:12
			then he says oh Allah you are the
one that removes debt and sin so
		
00:28:12 --> 00:28:14
			basically seeking assistance in
that
		
00:28:16 --> 00:28:17
			another one is
		
00:28:19 --> 00:28:22
			just a simple equity Andy Dana
welcome the new middle fucker
		
00:28:22 --> 00:28:26
			that's related by Tabara and his
margin will be from Salman Farsi
		
00:28:26 --> 00:28:29
			to the Allah one. Another one is
		
00:28:32 --> 00:28:35
			this is a very comprehensive one
if you can actually learn this
		
00:28:35 --> 00:28:37
			would be very, very, very useful.
		
00:28:38 --> 00:28:40
			Amana the Allahu Anhu.
		
00:28:41 --> 00:28:44
			I will say that Derrida the Allahu
anhu, relates at once the Prophet
		
00:28:44 --> 00:28:48
			sallallahu alayhi wa sallam as as
he was entering the Masjid. There
		
00:28:48 --> 00:28:49
			was an unsightly companion there.
		
00:28:52 --> 00:28:53
			He asked him the prophets, Allah
some asked him
		
00:28:54 --> 00:28:58
			why he was there outside of the
time of prayer. This wasn't the
		
00:28:58 --> 00:29:00
			time of prayer, maybe 11 o'clock
or three o'clock or whatever it
		
00:29:00 --> 00:29:03
			was and time of prayer, said what
you're doing in the masjid at this
		
00:29:03 --> 00:29:04
			at this time.
		
00:29:07 --> 00:29:11
			His name was a mu mama. So he
says, You are a soul of Allah.
		
00:29:11 --> 00:29:17
			I've just been overwhelmed with
concerns and grief anxieties, and
		
00:29:17 --> 00:29:21
			I'm completely submerged in debt.
Lots of difficulties, lots of
		
00:29:21 --> 00:29:26
			griefs and worries and submerged
in death in debt. So the sooner
		
00:29:26 --> 00:29:29
			allah sallallahu alayhi wa sallam
said, should I teach you some
		
00:29:29 --> 00:29:31
			Kalamata formula some words
		
00:29:33 --> 00:29:35
			which will remove your cares
		
00:29:36 --> 00:29:41
			and also help you alleviate your
debts? says of course yeah rasool
		
00:29:41 --> 00:29:45
			Allah. So the Prophet sallallahu
alayhi wa sallam said that read
		
00:29:45 --> 00:29:47
			the following morning and evening.
		
00:29:48 --> 00:29:52
			Ask for the following every
morning and every evening
		
00:29:52 --> 00:29:56
			Allahumma in the aerobic mineral
hum Okay, read this one Allahumma
		
00:29:56 --> 00:29:57
			in the air with the beaker.
		
00:29:59 --> 00:29:59
			Mineral him me
		
00:30:00 --> 00:30:00
			hasn't
		
00:30:02 --> 00:30:06
			this hum it's hasn't or husband
both works right? If you see it
		
00:30:06 --> 00:30:09
			written differently I'm just
mentioning inside Buhari versus
		
00:30:09 --> 00:30:13
			humble, it says hasn't a
rehearsal. What are all Lupica
		
00:30:14 --> 00:30:16
			mineral IGC? Well Castle
		
00:30:18 --> 00:30:20
			what are all the big criminal
Gibney Well buckle
		
00:30:23 --> 00:30:25
			and then what are all the weaker
		
00:30:26 --> 00:30:28
			mean holla but it Dany
		
00:30:29 --> 00:30:31
			waka regional.
		
00:30:33 --> 00:30:36
			So again very this one is actually
would be very useful Oh Allah I
		
00:30:36 --> 00:30:41
			seek your refuge from worries and
griefs and sadness and anxieties,
		
00:30:41 --> 00:30:46
			I seek your refuge from inability,
and also not just inability, like
		
00:30:46 --> 00:30:51
			genuinely you have an inability
and in potency, but you also a
		
00:30:51 --> 00:30:56
			castle, laziness, lassitude
laziness, somebody who loves to
		
00:30:56 --> 00:30:59
			procrastinate is very lazy, can't
bother doing when they need to do
		
00:30:59 --> 00:31:05
			it, then this is a very good dua,
and I seek your refuge from
		
00:31:05 --> 00:31:11
			cowardice, cowardice, and also
from miserliness. And then finally
		
00:31:11 --> 00:31:16
			I seek your refuge from an
overwhelmed from overwhelming debt
		
00:31:17 --> 00:31:20
			available, it dominates you, you
can't deal with it, it's
		
00:31:20 --> 00:31:23
			submerging it's drowning, you will
carry regional
		
00:31:24 --> 00:31:25
			and the aggression of people.
		
00:31:27 --> 00:31:28
			aggression of people
		
00:31:30 --> 00:31:32
			aggression are people or people
		
00:31:34 --> 00:31:37
			having power over you, especially
when it comes to debt. That's what
		
00:31:37 --> 00:31:41
			happens. This is a very, very
famous, very important though.
		
00:31:43 --> 00:31:45
			This is related in sun another
beadlet
		
00:31:47 --> 00:31:51
			and the very famous door which is
related by Montero movie, which is
		
00:31:51 --> 00:31:55
			from Ali Radi Allahu Anhu. He said
that I need or the Allahu Anhu
		
00:31:55 --> 00:32:01
			says that a once a, a slave came
to him who had a debt on him and
		
00:32:01 --> 00:32:03
			he wanted some help from IT or the
Allah one.
		
00:32:04 --> 00:32:09
			So the he said to him, that should
I teach you certain words and
		
00:32:09 --> 00:32:12
			formula a DA which the Prophet
sallallahu alayhi wa sallam has
		
00:32:12 --> 00:32:17
			taught me and he said that and he
said that this is such a DUA, that
		
00:32:17 --> 00:32:20
			if there is as much as a mountain
of debt on you,
		
00:32:21 --> 00:32:23
			right a mountain of debt on you.
		
00:32:25 --> 00:32:29
			Then Allah will help you fulfill
and repay that debt even if it's
		
00:32:29 --> 00:32:32
			as big as a mountain. And then he
taught him the following two are
		
00:32:32 --> 00:32:37
			which is Allahu mfine be halal?
And haram ik so read Allahu mfine
		
00:32:39 --> 00:32:40
			We have early on haram ik
		
00:32:42 --> 00:32:47
			what other Nene before the leaker
I'm Mansi work
		
00:32:48 --> 00:32:52
			which means Oh ALLAH suffice me
with your Halal whatever you've
		
00:32:52 --> 00:32:55
			made halal. Suffice me with that
so I don't have to go into the
		
00:32:55 --> 00:32:59
			Haram and haram ik so away from
your haram suffice me with your
		
00:32:59 --> 00:33:03
			halal and other Nene which means
give me
		
00:33:05 --> 00:33:10
			freedom. exonerate me by Your
grace from anybody aside you
		
00:33:10 --> 00:33:14
			anybody besides you. So that I
don't need to ask for anybody from
		
00:33:14 --> 00:33:18
			anybody besides you. These are you
can say there's about three doors
		
00:33:18 --> 00:33:22
			in here are four right which are
you can say different. The other
		
00:33:22 --> 00:33:25
			ones they what they do is they add
on a number of other
		
00:33:27 --> 00:33:31
			they add on a number of other
characteristics of Allah to ask
		
00:33:31 --> 00:33:33
			him by another one I just
mentioned I will say that included
		
00:33:33 --> 00:33:36
			in sunnah and say are all do
bIllahi
		
00:33:37 --> 00:33:38
			min el cual gouffre word day.
		
00:33:41 --> 00:33:48
			I seek refuge in Allah from
disbelief. Cofer and from debt is
		
00:33:48 --> 00:33:51
			equating kafir and debt putting it
in the same because sometimes debt
		
00:33:51 --> 00:33:52
			could be so heavy.
		
00:33:53 --> 00:33:58
			We ask Allah subhanaw taala to
keep us away from need of others.
		
00:33:59 --> 00:34:03
			Suffice us with him and with the
halal and if we have that Allah
		
00:34:03 --> 00:34:07
			allow us to fulfill it quickly.
And may Allah subhanaw taala not
		
00:34:07 --> 00:34:11
			make us of those who run into that
kind of need that we have to then
		
00:34:11 --> 00:34:15
			be submerged in that kind of debt.
Lachman, the Santa Monica
		
00:34:15 --> 00:34:18
			Siddhanta vital care the jewelry
will equal one
		
00:34:21 --> 00:34:25
			Subhanallah hilarity you'll earn
Allah homeless a neurosurgeon in
		
00:34:25 --> 00:34:28
			mind. So you've been a midwife
early. See you there now Mohamed
		
00:34:28 --> 00:34:29
			alberic Listen,
		
00:34:31 --> 00:34:35
			Oh Allah, we ask You for complete
forgiveness of Allah, we ask You
		
00:34:35 --> 00:34:39
			for Your Mercy. We ask you
forgiveness for all of our sins,
		
00:34:39 --> 00:34:42
			all of our wrongdoings, our
shortcomings, our deficiencies,
		
00:34:42 --> 00:34:48
			our defects of Allah we have not
fulfilled your rights, or Allah
		
00:34:48 --> 00:34:51
			despite the abundant things that
you have provided us the bounties
		
00:34:51 --> 00:34:55
			that you have given us, our love.
Sometimes we end up using those
		
00:34:55 --> 00:34:59
			same bounties of yours for your
disobedience. Oh,
		
00:35:00 --> 00:35:03
			Allah if it wasn't for your
clemency, then we would.
		
00:35:04 --> 00:35:09
			We would be in a very bad state of
Allah. We ask that you forgive us,
		
00:35:09 --> 00:35:13
			O Allah, we ask that you make us
of those who are constantly turned
		
00:35:13 --> 00:35:17
			to you with those who are
constantly ingratitude, oh Allah
		
00:35:17 --> 00:35:18
			those who are
		
00:35:20 --> 00:35:24
			those who are constantly in real
remembrance of Allah grant us your
		
00:35:24 --> 00:35:28
			love and the love of those who
love you. Oh Allah make our
		
00:35:28 --> 00:35:32
			surroundings conducive for our
obedience to you. Oh Allah make us
		
00:35:32 --> 00:35:38
			of those who consider the halal
things halal and will consider the
		
00:35:38 --> 00:35:42
			Haram is haram. Oh Allah we ask
you for those things which
		
00:35:42 --> 00:35:46
			overwhelm us which take us away
from you. Oh Allah, we ask you
		
00:35:46 --> 00:35:51
			protection from debt. Oh Allah we
ask you protection from being
		
00:35:51 --> 00:35:56
			dominated and overwhelmed by
concerns and griefs and and
		
00:35:56 --> 00:36:02
			worries, oh Allah make our own you
worry the hereafter. Oh Allah make
		
00:36:02 --> 00:36:06
			our only concern you and the
hereafter. Oh Allah grant us your
		
00:36:06 --> 00:36:11
			pleasure. Oh Allah grant us your
pleasure of Allah in all that we
		
00:36:11 --> 00:36:15
			do we ask that you guide us right
and you bless us in what what you
		
00:36:15 --> 00:36:20
			give us. Oh Allah, we ask You for
Your blessings, the greatest of
		
00:36:20 --> 00:36:24
			your blessings of this world and
the greatest of your blessings in
		
00:36:24 --> 00:36:29
			the hereafter of Allah We asked
you protection for our, our iman,
		
00:36:29 --> 00:36:34
			our states of Allah, our children,
our property, Oh Allah, we ask
		
00:36:34 --> 00:36:39
			that you protect our progeny until
the Day of Judgment. Oh Allah, you
		
00:36:39 --> 00:36:43
			make our households households of
iman. Oh Allah you protect them
		
00:36:43 --> 00:36:47
			from all of the evil which is out
there. Oh Allah you do not allow
		
00:36:47 --> 00:36:52
			any of the evil to come and play
in our homes. Oh Allah remove the
		
00:36:52 --> 00:36:56
			darkness from our homes bring in
light in our houses. Oh Allah
		
00:36:56 --> 00:36:57
			remove the
		
00:36:59 --> 00:37:04
			remove all of the difficulties or
Allah remove all the evil
		
00:37:04 --> 00:37:09
			consequences of our own evil, our
own knifes and our own sins that
		
00:37:09 --> 00:37:14
			has torn families apart and that
has taken away baraka from homes
		
00:37:15 --> 00:37:20
			of Allah We ask that you bless us
all. And you allow us all to
		
00:37:20 --> 00:37:24
			remain debt free. Oh Allah, if
those of us who have debt we ask
		
00:37:24 --> 00:37:30
			that you assist us in repaying our
debt quickly and easily. Oh Allah,
		
00:37:30 --> 00:37:35
			you protect us from any undue
hardship. Oh Allah grant us
		
00:37:35 --> 00:37:40
			genital fear dose of Allah grant
us genital fear dose of Allah and
		
00:37:40 --> 00:37:43
			you give us blessing in our
worthwhile praiseworthy projects.
		
00:37:44 --> 00:37:48
			Oh Allah we ask that you send
abundant blessings and our
		
00:37:48 --> 00:37:51
			messenger Muhammad sallallahu
alayhi wa salam and make us
		
00:37:52 --> 00:37:56
			be in his company in the
hereafter. Subhan Allah because I
		
00:37:56 --> 00:38:00
			believe that you and I are seafood
wa salam ala l Mursaleen. Well,
		
00:38:00 --> 00:38:02
			hamdulillah you're below the mean.
aalameen