Abu Sa'id al-Khudri (radhiAllahu 'anhu) reported,
"One day the Prophet (sallallahu 'alaihi wa sallam) entered the Masjid.
He (sallallahu 'alaihi wa sallam) saw there a man
from the Ansar called Abu Umamah.
He (sallallahu 'alaihi wa sallam) asked,
'What is the matter with you that I see you sitting in the masjid
when it is not the time of prayer.'
He replied,
'I am very much worried and in great debt,
O Messenger of Allah!'
The Prophet (sallallahu 'alaihi wa sallam) said,
'Let me teach you words to say so that
Allah will remove your worries and settle your debt?'
He exclaimed, 'Of course, O, Messenger of Allah.'
The Prophet (sallallahu 'alaihi wa sallam) said,
'Say in morning and evening,
Allahumma innee a`uzu bika min al-hamm wal hazan.
wa a`uzu bika min al-`ajze wa al-kasal.
wa a`uzu bika min al-jubun wa al-bukhl.
wa a`uzu bika min ghalabate al-dayne wa qahre al-rijaal
"O Allah,
I seek refuge in You from all worry and grief.
I seek refuge in You from
incapacity and slackness.
I seek refuge in You from cowardice and niggardliness,
and I seek refuge in You from being overcome by debt
and being subjected to men".
'The man said,
'When I did that, Allah removed all my worries
and settled my debt'."
(Abu Daw'ud)