Allaahumma innii a’uudhu bika minal-‘ajz(i), wal-kasal(i), wal-jubn(i), wal-haram(i), wal-maghram(i), wal-ma’tham(i), wa min ‘adhaabin-naari wa fitnatin-naar(i), wa fitnatil-qabri wa ‘adhaabil-qabr(i), wa sharri fitnatil-ghinaa, wa sharri fitnatil-faqr(i), wa min sharri fitnatil-masiihid-dajjaal(i), wa min fitnatil-mahyaa wal-mamaar(i), wa minal-qaswa(ti), wal-ghafla(ti), wal-‘ayla(ti), wadh-dhilla(ti), wal-maskana(ti), wal-kufr(i), wal fusuuq(i), wash-shiqaaq(i), was-sum’ati war-riyaa'(i), wa minas-samami wal-bakam(i), wal-junuuni wal-judhaami wa sayyi’il-‘asqaam(i), wa dala’id-dayn(i), wa minal-hammi wal-hazan(i), wal-bukhl(i), wa ghalabatir-rijaal(i), wa min an uradda ilaa ardhalil-‘umur(i), wa fitnatid-dunyaa, wa min ‘ilmin laa yanfa'(u), wa min qalbin laa yakhsha'(u), wa min nafsin laa tashba'(u), wa min da’watin laa yustajaabu lahaa.

(Composite: Anas ibn Malik, Mustadrak Hakim #144/1944; ‘A’ishah. Sahih al-Bukhari #5898; Ibid. Sahih al-Bukhari #789; Anas ibn Malik. Sahih al-Bukhari #2679; Sa’d ibn Abi Waqqas. Sahih al-Bukhari #2610; Zayd ibn Arqam. Sahih Muslim #4899)

O Allah, I seek Your protection from helplessness, lethargy, cowardice, senility, debt, and sinfulness; from the punishment of Fire, the ordeal of Fire, the tribulation of the grave, the punishment in the grave, and the evil tribulations of affluence and of poverty; from the evil tribulation of the Anti-Christ; from the tests of life and death; from the hardness of heart, heedlessness, economic dependence, humiliation, indigence, unbelief, transgression, dissension, and seeking fame and showing off; from deafness, dumbness, lunacy, leprosy, and all painful diseases; from the burden of debt, worries, grief, stinginess, and coercion of the people; from reaching debilitating old age; and from the tribulations of this world, the knowledge that does not benefit, the heart that does not submit to Allah, the soul that is never satiated, and the du’aa that is not accepted.

Ameen

Helplessness and lethargy: ‘ajz refers to lack of ability; kasal refers to lack of willingness. This is a du’aa that we always are both able and willing to do good.

One day Prophet Muhammad (sallallahu alayhi wa sallem) saw Abu Umamah (ra) sitting in the masjid when it was not time for salaat. Upon inquiry he said, “Worries and debt have afflicted me.” Prophet Muhammad (sallallahu alayhi wa sallem) replied, “Shall I not teach you words that when you say them Allah will drive away your worries and discharge your debt?” Then he taught him to say the following du’aa every morning and evening:

Abu Umamah (ra) reports that he did as told and Allah Ta’aala removed his worries and his debt was paid.

(Source: Khalid Baig’s commentary to du’aa #54 in the Accepted Whispers: Munajat-e-Maqbul)