Seeking Islamic financial advice after 9 months of unemployment and AED 38k in credit card debt
Assalamu Alaikum everyone,
I'm writing this because I genuinely don't know what my next step should be, and I'm hoping to seek advice from people who may have gone through something similar or who have knowledge of Islamic finance.
I live in the UAE, and around 9 months ago I lost my job after a very difficult experience with my previous employer. My visa was never properly processed, there were ongoing salary issues, and despite trying to resolve everything, I eventually found myself unemployed.
Up until then, I had always paid my bills and credit card payments on time. I never imagined I'd end up in this position.
Over the past 9 months, I've applied for hundreds of jobs, taken on freelance work where possible, started small baking projects, and tried creating different sources of halal income just to stay afloat.
Unfortunately, my savings eventually ran out, and I had to rely on my credit cards to cover basic living expenses. Today, that has grown into approximately AED 38,000 in credit card debt, and I honestly feel stuck.
The job market has been incredibly difficult. Many of the opportunities I'm finding now offer significantly less than what I was previously earning, to the point where the salary wouldn't realistically cover my living expenses and debt repayments. I want to work—I genuinely do—but I'm struggling to see a path that allows me to survive while also getting out of debt.
Unfortunately, I can't ask my family for financial help because they simply aren't in a position to support me.
I'm not posting this to ask anyone for money.
I'm looking for guidance.
From an Islamic perspective:
How should I deal with this debt?
If you've experienced financial hardship, what helped you recover?
Are there any duas, practices, or resources that brought you ease during difficult times?
What practical steps would you recommend to someone trying to rebuild while carrying significant debt?
I've been making dua every day and trying my best to remain patient, but I won't hide the fact that this has been one of the hardest periods of my life.
Any sincere advice would mean a great deal.
JazakAllahu Khair.