"O Abu ad-Darda’! Your house has been burned down!"

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Allahumma inni ‘a’udhubika minal hammi walhuzni, Wal’ajzi walkasali, walbukhli waljubni, Wa dal’id-daiyni wa ghalabatir-rajal

‘O Allaah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.’

Sahih al-Bukhari, 7/158

Once, they came to Abu ad-Darda’ while he was in the mosque, saying to him: “O Abu ad-Darda’! Your house has been burned down!” He replied: “By Allah, it has not been burned down.” They said: “It has been burned down!” He replied: “By Allah, it has not been burned down.” They went to see that the fire had consumed everything in the area, and had stopped right at Abu ad-Darda”s house, and he did not even get up to go see for himself. They came back and asked him: “What drove you to insist that it had not been burned down?” He replied: “The Messenger of Allah had taught me some words that, if I say them, I will not be stricken with any harm,” – he is secure! – “‘O Allah, I seek refuge with You from sadness and grief, and I seek refuge with You from inability and laziness, and I seek refuge with You from cowardliness and stinginess, and I seek refuge with You from being overpowered by debts and men,’ so, I made this supplication.”

In regards to this same supplication, Abu Umamah narrated: “I was sitting in the mosque, when the Messenger of Allah asked me: “What is wrong, Abu Umamah?” I replied: “I am in distress because of a debt that I owe.” The Prophet then told me: “Supplicate with these words (‘O Allah, I seek refuge with You from sadness and grief…’).” So, I supplicated with these words, and Allah removed my distress, and paid off my debt.

Abdullah Azzam – ['at-Tarbiyah al-Jihadiyyah wal-Bina''; 5/28-31]

http://forums.islamicawakening.com/f20/how-to-deal-with-allah-17608/