In The Name of Allaah, The Most Merciful, The Bestower of Mercy.

Zaid Bin Arqam [radiyallaahu-anhu] narrated that the Prophet [sallal-laahu-alayhi-wasallam] used to say:

[اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ عِلْمٍ لَا يَنْفَعُ وَمِنْ قَلْبٍ لَا يَخْشَعُ وَمِنْ نَفْسٍ ‏لَا تَشْبَعُ ‏ ‏وَمِنْ دَعْوَةٍ لَا يُسْتَجَابُ لَهَا – O Allaah! I seek refuge in You from knowledge that does not benefit; from a heart that does not fear (Allaah); from a soul that does not get satisfied and from a supplication that is not answered]. [Ref 1]

Aa’isha [radiyallaahu-anhaa] narrated that the Prophet [sallal-laahu-alayhi-wasallam] used to invoke Allaah in the salaah [before the tasleem] saying:

للَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ عَذَابِ الْقَبْرِ وَأَعُوذُ بِكَ مِنْ فِتْنَةِ ‏‏الْمَسِيحِ الدَّجَّالِ ‏‏وَأَعُوذُ بِكَ مِنْ فِتْنَةِ الْمَحْيَا وَفِتْنَةِ الْمَمَاتِ اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ ‏الْمَأْثَمِ ‏ ‏وَالْمَغْرَمِ

O Allaah, I seek refuge with You from the punishment of the grave and from the trial and affliction of Maseeh Ad-Dajjaal and from trial and affliction of life and death. O Allaah, I seek refuge with You from sins and from being in debt.” So somebody said to him, ‘’Why do you so frequently seek refuge with Allaah from being in debt?’’ The Prophet (sallal-laahu-alayhi-wasallam) replied, “A person in debt tells lies whenever he speaks, and breaks promises whenever he makes (them)]”. [Ref 2]

Imaam Ibnul Qayyim [rahimahullaah] said: The Prophet [sallal-laahu-alayhi-wasallam] combined [in this supplication between seeking Allaah’s refuge] from sins and debt, for indeed sins necessitate loss in the afterlife and debt necessitates loss in the worldly life. [Ref 3]

[Ref 1: Reported by Muslim 2722]; [Ref 2: Bukhaari, Hadeeth Number: 832]; [Ref 3: Al-Fawaa-id: page: 97]