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If a person does not want to get indebted or if he is indebted but wants relief, should recite this Darood shareef one hundred times after Zohar’s prayer and pray for this purpose. Allah Sub hana hu va ta’ala will save him from the shackles of debt and if already indebted Allah Sub hana hu va ta’ala will arrange from hidden divine resources for the payment of his debt. And he will not be caught guilty in Akhirah for not showing due regard to any divine gift: Insha’allah.