The Prophet (may Allah's peace and blessings be upon him) sought refuge from several things, which are: First: (O Allah, I seek refuge), shelter, and protection (with You) not with anyone else (from the dominance of debt), its subjugation, grief, and distress, and I ask You for support to repay and settle it. Second: (The dominance of the enemy), his subjugation and overpowering, and I ask You to ward off his harm and grant me victory over him. Third: (And the gloat of the enemies) and their rejoicing at what befalls Muslims of misfortunes and calamities.

• Encouraging the act of seeking refuge with Allah from everything that distracts one from obeying Him and causes concerns like debts and others.
• There is nothing wrong with debts in general; however, the case is different for those who tend not to repay debts, which is the dominant debt.
• Man has to avoid things that bring him gloat and criticism.
• Pointing out the disbelievers' hostility towards the believers and how they rejoice at their misfortunes.
• The enemies' expression of their delight at one's misfortune is harder for him than the misfortune itself.

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2. Virtues and Manners
3. Jurisprudence of Supplications and Remembrance of Allah
4. Reported Supplications
5. Hadith

• Indeed, the hearts of all the children of Adam are between two Fingers of the Most Compassionate, like one heart; He directs it as He wills
• The supplication that the Prophet (may Allah's peace and blessings be upon him) recited most was: "Allāhumma rabbana ātina fi ad-dunya hasanah wa fi al-ākhirati hasanah wa qina ‘adhāb an-nār (O Allah our Lord, give us in this world t...
• O Allah, place light in my heart, light in my sight, light in my hearing, light on my right, light on my left, light above me, light below me, light in front of me, light behind me, make light for me
• O Allah, set right for me my religion that is the safeguard of my affairs