Are you in debt? Are your credit cards out of control? Is your mortgage too much? Is it causing an undue stress in your life? Try reciting this dua regularly (morning and evening), make an effort to get out of debt, and have patience, you will see a difference if you are grateful.
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”.
Arabic transliteration: “Allahumma inni a`oodhoo bika minal-hammi-walhazan. Wa a`oodhoo bika minal-a’jzi-wal-kasal. Wa a`oodhoo bika minal jubni wal bukhl. Wa a`oodhoo bika min ghalabatid-dayni-waqahrir rijal.”
The person stated that he recited this dua and Allah removed all his worries and debts. (Abu Dawood)