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The Right to Buy Back (Hadith No. 2084)

Bismillah.

Ahadith 2072 – 2083 (below) are repeats. Related posts have been linked.

Volume 3, Book 41, Number 575 :
Narrated by Abu Huraira (radiallaahu `anhu)
A man demanded his debts from Allah’s Apostle (sallallaahu `alayhi wasallam) in such a rude manner that the companions of the Prophet intended to harm him, but the Prophet (sallallaahu `alayhi wasallam) said, “Leave him, no doubt, for he (the creditor) has the right to demand it (harshly). Buy a camel and give it to him.” They said, “The camel that is available is older than the camel he demands. “The Prophet (sallallaahu `alayhi wasallam) said, “Buy it and give it to him, for the best among you are those who repay their debts handsomely.

Volume 3, Book 41, Number 576 :
Narrated by Hudhaifa (radiallaahu `anhu)
I heard the Prophet (sallallaahu `alayhi wasallam) saying, “Once a man died and was asked, ‘What did you use to say (or do) (in your life time)?’ He replied, ‘I was a business-man and used to give time to the rich to repay his debt and (used to) deduct part of the debt of the poor.‘ So he was forgiven (his sins.)” Abu Masud said, “I heard the same (Hadith) from the Prophet (sallallaahu `alayhi wasallam).”

Volume 3, Book 41, Number 577 :
Narrated by Abu Huraira (radiallaahu `anhu)
A man came to the Prophet (sallallaahu `alayhi wasallam) and demanded a camel (the Prophet owed him). Allah’s Apostle (sallallaahu `alayhi wasallam) told his companions to give him (a camel). They said, “We do not find except an older camel (than what he demands). (The Prophet ordered them to give him that camel). The man said, “You have paid me in full and may Allah also pay you in full.” Allah’s Apostle (sallallaahu `alayhi wasallam) said, “Give him, for the best amongst the people is he who repays his debts in the most handsome manner.”

Volume 3, Book 41, Number 578 :
Narrated by Abu Huraira (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) owed a camel of a certain age to a man who came to demand it back. The Prophet (sallallaahu `alayhi wasallam) ordered his companions to give him. They looked for a camel of the same age but found nothing but a camel one year older. The Prophet (sallallaahu `alayhi wasallam) told them to give it to him. The man said, “You have paid me in full, and may Allah pay you in full.” The Prophet (sallallaahu `alayhi wasallam) said, “The best amongst you is he who pays his debts in the most handsome manner.”

Volume 3, Book 41, Number 579 :
Narrated by Jabir bin Abdullah (radiallaahu `anhu)
I went to the Prophet (sallallaahu `alayhi wasallam) while he was in the Mosque. (Mis’ar thinks, that Jabir went in the forenoon.) After the Prophet (sallallaahu `alayhi wasallam) told me to pray two Rakat, he repayed me the debt he owed me and gave me an extra amount.

Volume 3, Book 41, Number 580 :
Narrated by Jabir bin ‘Abdullah (radiallaahu `anhu)
My father was martyred on the day (of the battle) of Uhud, and he was in debt. His creditors demanded their rights persistently. I went to the Prophet (sallallaahu `alayhi wasallam) (and informed him about it). He told them to take the fruits of my garden and exempt my father from the debts but they refused to do so. So, the Prophet (sallallaahu `alayhi wasallam) did not give them my garden and told me that he would come to me the next morning. He came to us early in the morning and wandered among the datepalms and invoked Allah to bless their fruits. I then plucked the dates and paid the creditors, and there remained some of the dates for us.

Volume 3, Book 41, Number 581 :
Narrated by Jabir bin ‘Abdullah (radiallaahu `anhu)
When my father died he owed a Jew thirty Awsuq (of dates). I requested him to give me respite for repaying but he refused. I requested Allah’s Apostle (sallallaahu `alayhi wasallam) to intercede with the Jew. Allah’s Apostle (sallallaahu `alayhi wasallam) went to the Jew and asked him to accept the fruits of my trees in place of the debt but the Jew refused. Allah’s Apostle (sallallaahu `alayhi wasallam) entered the garden of the date-palms, wandering among the trees and ordered me (saying), “Pluck (the fruits) and give him his due.” So, I plucked the fruits for him after the departure of Allah’s Apostle and gave his thirty Awsuq, and still had seventeen Awsuq extra for myself. Jabir said: I went to Allah’s Apostle to inform of what had happened, but found him praying the ‘Asr prayer. After the prayer I told him about the extra fruits which remained. Allah’s Apostle (sallallaahu `alayhi wasallam) told me to inform (Umar) Ibn Al-Khatab (radiallaahu `anhu) about it. When I went to ‘Umar and told him about it, ‘Umar (radiallaahu `anhu) said, “When Allah’s Apostle (sallallaahu `alayhi wasallam) walked in your garden, I was sure that Allah would definitely bless it.”

Volume 3, Book 41, Number 582 :
Narrated by ‘Aisha (radiallaahu `anhaa)
Allah’s Apostle (sallallaahu `alayhi wasallam) used to invoke Allah in the prayer saying, “O Allah, I seek refuge with you from all sins, and from being in debt.” Someone said, O Allah’s Apostle (sallallaahu `alayhi wasallam)! (I see you) very often you seek refuge with Allah from being in debt. He replied, “If a person is in debt, he tells lies when he speaks, and breaks his promises when he promises.”

Volume 3, Book 41, Number 583 :
Narrated by Abu Huraira (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) said, “If someone leaves some property, it will be for the inheritors, and if he leaves some weak offspring, it will be for us to support them.

Volume 3, Book 41, Number 584 :
Narrated by Abu Huraira (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) said, “I am closer to the believers than their selves in this world and in the Hereafter, and if you like, you can read Allah’s Statement: “The Prophet (sallallaahu `alayhi wasallam) is closer to the believers than their own selves.” (33.6) So, if a true believer dies and leaves behind some property, it will be for his inheritors (from the father’s side), and if he leaves behind some debt to be paid or needy offspring, then they should come to me as I am the guardian of the deceased.”

Volume 3, Book 41, Number 585 :
Narrated by Abu Huraira (radiallaahu `anhu)
Allah’s Apostle (sallallaahu `alayhi wasallam) said, “Procrastination (delay) in repaying debts by a wealthy person is injustice.

Volume 3, Book 41, Number 586 :
Narrated by Abu Huraira (radiallaahu `anhu)
A man came to the Prophet (sallallaahu `alayhi wasallam) and demanded his debts and used harsh words. The companions of the Prophet wanted to harm him, but the Prophet (sallallaahu `alayhi wasallam) said, “Leave him, as the creditor (owner of the right) has the right to speak.”

Today’s Hadith:

Volume 3, Book 41, Number 587 :
Narrated by Abu Huraira (radiallaahu `anhu)
Allah’s Apostle (sallallaahu `alayhi wasallam) said, “If a man finds his very things with a bankrupt, he has more right to take them back than anyone else.”

To my understanding, this hadith talks about a scenario where A sold something to B and the transaction went smooth. After some time, B went bankrupt and now wants to sell some of his stuff to make money. Provided that A finds his things as they were when he sold them to B, he has more right to buy them back than anyone else. So it is upon B to make sure he gives A first priority when it comes to his things.

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Seek Refuge from Debt! [Du`aas Included] (Ahadith 2070 – 2071)

Bismillah.

Volume 3, Book 41, Number 573 :
Narrated by Abu Dhar (radiallaahu `anhu)
Once, while I was in the company of the Prophet (sallallaahu `alayhi wasallam), he saw the mountain of Uhud and said, “I would not like to have this mountain turned into gold for me unless nothing of it, not even a single Dinar remains of it with me for more than three days (i.e. I will spend all of it in Allah’s Cause), except that Dinar which I will keep for repaying debts.” Then he said, “Those who are rich in this world would have little reward in the Hereafter except those who spend their money here and there (in Allah’s Cause), and they are few in number.” Then he ordered me to stay at my place and went not far away. I heard a voice and intended to go to him but I remembered his order, “Stay at your place till I return.” On his return I said, “O Allah’s Apostle (sallallaahu `alayhi wasallam)! (What was) that noise which I heard?” He said, “Did you hear anything?” I said, “Yes.” He said, “Gabriel came and said to me, ‘Whoever amongst your followers dies, worshipping none along with Allah, will enter Paradise.’ ” I said, “Even if he did such-and-such things (i.e. even if he stole or committed illegal sexual intercourse)” He said, “Yes.”

Volume 3, Book 41, Number 574 :
Narrated by Abu Huraira (radiallaahu `anhu)
Allah’s Apostle (sallallaahu `alayhi wasallam) said, “If I had gold equal to the mountain of Uhud, it would not please me that it should remain with me for more than three days, except an amount which I would keep for repaying debts.”

Allah says in the Quran:

إِنَّ اللَّهَ يَأْمُرُكُمْ أَن تُؤَدُّوا الْأَمَانَاتِ إِلَىٰ أَهْلِهَا

“Verily, Allah commands that you should render back the trusts to those, to whom they are due.” [4:58]

Ibn Katheer comments:

Allah commands that the trusts be returned to their rightful owners. Al-Hasan narrated that Samurah said that the Messenger of Allah said,

«أَدِّ الْأَمَانَةَ إِلى مَنِ ائْتَمَنَكَ، وَلَا تَخُنْ مَنْ خَانَك»

(Return the trust to those who entrusted you, and do not betray those who betrayed you.) Imam Ahmad and the collectors of Sunan recorded this Hadith. This command refers to all things that one is expected to look after, such as Allah’s rights on His servants: praying, Zakah, fasting, penalties for sins, vows and so forth. The command also includes the rights of the servants on each other, such as what they entrust each other with, including the cases that are not recorded or documented. Allah commands that all types of trusts be fulfillled. Those who do not implement this command in this life, it will be extracted from them on the Day of Resurrection. It is recorded in the Sahih that the Messenger of Allah said,

«لَتُؤَدَّنَّ الْحُقُوقُ إِلى أَهْلِهَا حَتَّى يُقْتَصَّ لِلشَّاةِ الْجَمَّاءِ مِنَ الْقَرْنَاء»

(The rights will be rendered back to those to whom they are due, and even the sheep that does not have horns will take revenge from the horned sheep.)

Seek refuge from debt!

It was narrated from ‘Aa’ishah (may Allaah be pleased with her) that the Prophet (peace and blessings of Allaah be upon him) used to say in his prayer: “Allaahumma inni a’oodhi bika min al-ma’tham wa’l-maghram (O Allaah, I seek refuge with You from sin and heavy debt).” Someone said to him: “How often you seek refuge from heavy debt!” He said: “When a man gets into debt, he speak and tells lies, and he makes a promise and breaks it.” Narrated by al-Bukhaari (832) and Muslim (589).

In the Sunnah there are a number of du’aa’s which specifically seek the help of Allaah in praying off debts. They are:

1 – It was narrated that Suhayl said: Abu Saalih used to tell us, when one of us wanted to sleep, to lie down on his right side and say:

Allaahumma Rabb al-samawaati wa’l-ard wa Rabb al-‘arsh il-‘azeem, Rabbaanaa wa Rabba kulli shay’in, Faaliq al-habb wa’l-nawa wa munzil al-Tawraati wa’l-Injeeli wa’l-Furqaan, a’oodhu bika min sharri kulli shay’in anta aakhidhun bi naasiyatihi. Allaahumma anta al-awwal fa laysa qablaka shay’un, wa anta al-aakhir fa laysa ba’daka shay’un, wa anta al-zaahir fa laysa fawqaka shay’un wa anta al-baatin fa laysa doonaka shay’un. Iqdi ‘annaa al-dayna wa aghninaa min al-faqri (O Allaah, Lord of the seven heavens and the exalted Throne, our Lord and Lord of all things, splitter of the seed and the date-stone, Revealer of the Tawraat and the Injeel and the Furqaan [Qur’aan], I seek refuge in You from the evil of all things You shall seize by the forelock [have total mastery over]. O Allaah, You are the First so there is nothing before You, and You are the Last so there is nothing after You. You are al-Zaahir [the greatest and highest] so there is nothing above You, and You are al-Baatin [aware of the subtlest secrets] so there is nothing closer than You. Settle our debt for us and spare us from poverty).”

He narrated that from Abu Hurayrah, from the Prophet (peace and blessings of Allaah be upon him). Narrated by Muslim (2713).

اللَّهُمَّ رَبَّ السَّمَاوَاتِ والأرضِ وَرَبَّ الْعَرْشِ الْعَظِيمِ، رَبَّنَا وَرَبَّ كُلِّ شَيْءٍ، فَالِقَ الْحَبِّ وَالنَّوَى، وَمُنْزِلَ التَّوْرَاةِ وَالْإِنجِيلِ، وَالْفُرْقَانِ، أَعُوذُ بِكَ مِنْ شَرِّ كُلِّ شَيْءٍ أّنْتَ آخِذٌ بِنَاصِيَتهِ. اللَّهُمَّ أَنْتَ الأَوَّلُ فَلَيْسَ قَبْلَكَ شَيْءٌ، وَأَنْتَ الْآخِرُ فَلَيْسَ بَعْدَكَ شَيْءٌ، وَأَنْتَ الظَّاهِرُ فَلَيْسَ فَوْقَكَ شَيْءٌ، وَأَنْتَ الْبَاطِنُ فَلَيْسَ دُونَكَ شَيْءٌ، اقْضِ عَنَّا الدَّيْنَ وَأَغْنِنَا مِنَ الْفَقْرِ

2 – It was narrated from ‘Ali (may Allaah be pleased with him) that a mukaatib (slave who had entered into a contract of manumission) came to him and said: “I am unable to pay off my manumission; help me.” He said: “Shall I not tell you some words which the Messenger of Allaah (peace and blessings of Allaah be upon him) taught me? And if you have debt like the mountain of Seer, Allaah will pay it off for you. He said: ‘Say: Allaahumma akfini bi halaalika ‘an haraamika wa aghnini bi fadlika ‘amman siwaaka (O Allaah, suffice me with what You have permitted so that that I have no need of that which You have forbidden, and make me independent of means by Your bounty so that I have no need of anyone besides You).’”

Narrated by al-Tirmidhi (2563) who said: This is a hasan ghareeb hadeeth. It was also classed as hasan by al-Albaani in Saheeh al-Tirmidhi.

dua-relief-from-debt

3 – It was narrated that Abu Sa’eed al-Khudri (may Allaah be pleased with him) said:

The Messenger of Allaah (peace and blessings of Allaah be upon him) entered the mosque and saw an Ansaari man whose name was Abu Umaamah. He said: “O Abu Umaamah, why do I see you sitting in the mosque when it is not the time for prayer? He said: Worries and debts, O Messenger of Allaah. He said: “Shall I not teach you some words which, if you say them, Allaah will take away your worries and pay off your debts?” He said: Yes, O Messenger of Allaah. He said:

“Say, morning and evening, ‘“Allaahumma inni a’oodhu bika min al-hammi wa’l-hazani, wa a’oodhi bika min al-‘ajzi wa’l-kasali, wa a’oodhu bika min al-jubni wa’l-bukhli, wa a’oodhi bika min ghalabat il-dayn wa qahri al-rijaal (O Allaah, I seek refuge with You from worry and grief, and I seek refuge with You from incapacity and laziness, and I seek refuge with You from cowardice and miserliness, and I seek refuge with You from being heavily in debt and from being overcome by men).”

He said; I did that, and Allaah took away my worry and paid off my debt.

Narrated by Abu Dawood (1555). Its isnaad includes Ghassaan ibn ‘Awf; al-Dhahabi said: he is not strong. Hence Shaykh al-Albaani classed the hadeeth as weak in Da’eef Abi Dawood. But the du’aa’ mentioned – “Allaahumma inni a’oodhu bika min al-hammi wa’l-hazani…” – is proven in al-Saheehayn in a report other than this story of Abu Umaamah.

lesson78

Taken from IslamQA.

Borrowing Money (Hadith No. 2069)

Bismillah.

Ahadith 2063 – 2066 (below) are repeats. Related posts are linked.

Volume 3, Book 40, Number 566 :
Narrated by Zaid bin Thabit (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) permitted selling the dates of the ‘Araya for ready dates by estimating the amount of the former (as they are still on the trees).

Volume 3, Book 40, Number 567 :
Narrated by Jabir bin ‘Abdullah (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) forbade the sales called Al-Mukhabara, Al-Muhaqala and Al-Muzabana and the selling of fruits till they are free from blights. He forbade the selling of the fruits except for money, except the ‘Araya.

Volume 3, Book 40, Number 568 :
Narrated by Abu Huraira (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) allowed the sale of the dates of the ‘Araya for ready dates by estimating the former which should be estimated as less than five Awsuq or five Awsuq. (Dawud, the sub-narrator is not sure as to the right amount.)

Volume 3, Book 40, Number 569 :
Narrated by Rafi ‘bin Khadij and Sahl bin Al Hathma (radiallaahu `anhumaa)
Allah’s Apostle (sallallaahu `alayhi wasallam) forbade the sale of Muzabana, i.e. selling of fruits for fruits, except in the case of ‘Araya; he allowed the owners of ‘Araya such kind of sale.

Kitaab-ul-Musaaqaat [Book of Distribution of Water] ends here.

Kitaabun fil-Istiqraadh [Book of Loans & Bankruptcy] starts today..

Ahadith 2067 – 2068 (below) are also repeats, talking about the permissibility of buying stuff on credit. Related posts are linked.

Volume 3, Book 41, Number 570 :
Narrated by Jabir bin ‘Abdullah (radiallaahu `anhu)
While I was in the company of the Prophet (sallallaahu `alayhi wasallam) in one of his Ghazawat, he asked, “What is wrong with your camel? Will you sell it?” I replied in the affirmative and sold it to him. When he reached Medina, I took the camel to him in the morning and he paid me its price.

Volume 3, Book 41, Number 571 :
Narrated by Al-Amash
When we were with Ibrahim, we talked about mortgaging in deals of Salam. Ibrahim narrated from Aswad that ‘Aisha (radiallaahu `anhaa) had said, “The Prophet (sallallaahu `alayhi wasallam) bought some foodstuff on credit from a Jew and mortgaged an iron armor to him.

Today’s Hadith:

Volume 3, Book 41, Number 572 :
Narrated by Abu Huraira (radiallaahu `anhu)
The Prophet (sallallaahu `alayhi wasallam) said, “Whoever takes the money of the people with the intention of repaying it, Allah will repay it on his behalf, and whoever takes it in order to spoil it, then Allah will spoil him.”

Note that the key point here is intention. No matter how impossible the circumstances are, if you intend to repay your debt, Allah will help you with it. Some of us have experienced such miracles, and some of us have witnessed them.. how out of nowhere someone comes to help the indebted, or for some reason the lender waives off the debt etc. If this is not Allah’s help, then what is? Remember the incident about the man from Bani Israel who borrowed a thousand dinars and couldn’t find the lender at the time of repayment? Read the full story:

Narrated by Abu Huraira (radiallaahu `anhu), the Prophet (sallallaahu `alayhi wasallam) said,

An Israeli man asked another Israeli to lend him one thousand Dinars. The second man required witnesses. The former replied, ‘Allah is sufficient as a witness.’ The second said, ‘I want a surety.’ The former replied, ‘Allah is sufficient as a surety.’ The second said, ‘You are right,’ and lent him the money for a certain period. The debtor went across the sea. When he finished his job, he searched for a conveyance so that he might reach in time for the repayment of the debt, but he could not find any. So, he took a piece of wood and made a hole in it, inserted in it one thousand Dinars and a letter to the lender and then closed (i.e. sealed) the hole tightly. He took the piece of wood to the sea and said. ‘O Allah! You know well that I took a loan of one thousand Dinars from so-and-so. He demanded a surety from me but I told him that Allah’s Guarantee was sufficient and he accepted Your guarantee. He then asked for a witness and I told him that Allah was sufficient as a Witness, and he accepted You as a Witness. No doubt, I tried hard to find a conveyance so that I could pay his money but could not find, so I hand over this money to You.’ Saying that, he threw the piece of wood into the sea till it went out far into it, and then he went away. Meanwhile he started searching for a conveyance in order to reach the creditor’s country. One day the lender came out of his house to see whether a ship had arrived bringing his money, and all of a sudden he saw the piece of wood in which his money had been deposited. He took it home to use for fire. When he sawed it, he found his money and the letter inside it. Shortly after that, the debtor came bringing one thousand Dinars to him and said, ‘By Allah, I had been trying hard to get a boat so that I could bring you your money, but failed to get one before the one I have come by.’ The lender asked, ‘Have you sent something to me?’ The debtor replied, ‘I have told you I could not get a boat other than the one I have come by.’ The lender said, ‘Allah has delivered on your behalf the money you sent in the piece of wood. So, you may keep your one thousand Dinars and depart guided on the right path.’
[Bukhari, Vol 3, Book 37, No. 48]

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