u/WillingBudget9423

There was a time when I had a successful business. I worked hard for everything I owned, and whenever I was able to help someone, I did it wholeheartedly. One thought always crossed my mind: I hope I never have to ask anyone for money to buy something as basic as diapers for my child.

I never imagined that one day this fear would become reality.

After being scammed by business partners, my entire life changed. Years of hard work disappeared, and I found myself trapped in debt while trying to honor every commitment I had made. I sold my car, my motorcycle, and almost everything I owned just to repay people.

Last night, my wife told me that our child had run out of diapers.

For a few moments, I just sat there. I didn't have the money. It wasn't the cost of the diapers that hurt. it was the realization of how much life had changed.

By the grace of Allah, I managed to arrange the money somehow. But that moment stayed with me.

The hardest part isn't losing money. It's losing the life you once had. Watching every rupee go toward debt. Feeling like happiness has quietly disappeared from your life. I honestly can't remember the last time I felt truly carefree.

People see a failed business and often assume you weren't smart enough or didn't work hard enough. They don't see the years of effort, the setbacks, or the battles fought in silence.

I am sharing this because I cannot express it anywhere else. I feel ashamed of how far I have fallen in life. I never imagined I would reach this point. I have never experienced such a downfall before, and I keep questioning how everything went so wrong. There is so much more I want to say, but I’ll keep it short. Maybe someone here can share a good dua or some motivation, because right now I just need a little hope and strength in my life

I just want things in my life to become stable again. My only mistake was getting involved in riba, and it has made my situation much worse. I pray that things become normal again in my life.

I think I have been emotionally overwhelmed since last night, and I’ve been stuck in my own thoughts, trying to understand what has happened and how everything came to this point. I feel like I just want everything to end, as if the Day of Judgment would come so all these difficulties would be over. It feels like this pain will never finish unless I myself disappear.

My prayer to Allah is that no child should ever go to bed hungry, and no father should ever feel as helpless as I have felt. May Allah protect us all from hardship, forgive our mistakes, and grant us halal rizq and ease. Ameen.

Never start a business with interest-based financing. If you have a good relationship with Allah, understand that His tests can sometimes be extremely difficult. I never imagined I would reach a stage where life would feel so hard and death would seem easier. Yet here I am, sharing my story in the hope that it prevents someone else from making the same mistake.

A few years ago, my business was doing very well. Then some of my business partners scammed me and disappeared. I was left alone to deal with vendors and keep the business running because it was still operating successfully.

To save the business, I took out loans. At first, I convinced myself that they were not riba. Later, I asked a scholar, and he confirmed that they were indeed interest-based loans. As soon as I learned that, I stopped taking them.

But from that point on, everything began to fall apart.

My business collapsed, even though I hadn't made the kind of mistakes that should have destroyed it. To repay people, I sold my car, then my motorcycle, and eventually almost everything I owned. During all of this, I had just gotten married. Everything was happening at once, and I didn't know how to cope. 

Over the last four years, I have been struggling just to repay my debts. I have already paid back around 60% of a loan that was close to $8,000, but the remaining amount feels impossible to clear. It isn't even a huge debt compared to many others, yet because of riba, it has become one of the hardest battles of my life.

Today, whatever I earn goes straight toward repaying my debts. There are times when I cannot even afford a proper meal. Just last night, my child needed diapers, and I had to borrow a small amount from a friend to buy them.

Buying new clothes has become a luxury. Eid comes and goes quietly because I cannot afford new clothes for myself or my family. These may seem like small things, but they are painful reminders of how much life has changed. It often feels as though the joy has disappeared from my life. I honestly cannot remember the last time I truly felt happy.

What makes it even harder is that I was once a successful entrepreneur. Today, many people see my failure and assume I must have lacked intelligence or made careless decisions. They don't know the full story or the battles I've been fighting for years. Living with that judgment is incredibly painful.

I am sharing this not to ask for sympathy, but to remind others that what appears to be an easy financial solution can sometimes lead to years of hardship. This has been my personal experience, and I pray that no one else has to go through what my family and I have endured.

From the outside, interest (riba) looks like an easy solution. But once you're trapped in it, everything begins to fall apart. Life becomes difficult, and sometimes giving up seems easier than carrying on.

I have knocked on many doors. I approached NGOs, mosques, and different people, asking if someone could lend me money without interest so I could repay it in monthly installments. Unfortunately, I couldn't find anyone willing to help.

Despite everything, I continue to pray. Every day, and especially in Tahajjud, I ask Allah to make a way out for me. My wife has been understanding, and whenever I feel completely broken, I look at my child and remind myself that I have to keep going.

Please, never treat interest as an easy solution. Face the hardship at the beginning, but do not fall into the trap of riba. I sincerely pray that no one has to go through what my family and I have experienced. May Allah protect us all, forgive us, and grant everyone halal rizq and ease. Ameen. 

Actually, at the moment, I'm trapped in interest. I simply want to get rid of it. Akhuwat is just contributing fifty thousand. Then, Saylani or Al Khidmat are only contributing 50,000. Is there a way or an NGO that can offer 3–4 lakhs? I can return between 20,000 and 30,000 every month.

Akhuwat only gives around 50,000 PKR, and I’ve already tried that. Please tell me if there is any other organization where I can repay monthly. I can pay monthly, but I definitely need it without interest. I have already lost so many things that I can’t even put into words, I just want any organization that can help me get out of this situation.
My life feels like it’s on the edge of falling apart right now. At this moment, I just want to get out of this situation, for the sake of ALLAH.

I'm writing this because I don't have anyone to listen to or because I wanted to share something that would make me feel better.

I had been running a very good business in my life, and it was all halal. But somehow my partners scammed me and took all my money, and now they are nowhere to be found. Somehow, I still wanted to keep the business running, so I thought I should borrow some money. I believed I would pay it back on time and get rid of it without paying any interest. But then, suddenly, things kept getting worse and worse.  

Slowly, I didn’t even realize that I was sinking deeper into a swamp. I had to make monthly payments to them, which became very difficult. Then, by mistake, I started paying interest, and because of that, little by little, I lost my car, then my bike, and whatever savings I had were gone too. My life became so ruined that I can’t even fully explain it.  

I used to pray regularly. I asked Allah for help again and again. I prayed Tahajjud many times. Then I told everyone clearly that I could not pay interest anymore after that, they could do whatever they wanted to me. Eventually, it came back to the original amount they had given me, but I am still trapped in that debt to this day. Every day, I face humiliation in my life.

 My wife, children, and family are all distant from me now. I always earned through halal means. I never intentionally harmed anyone or caused loss to anyone. But because of this riba (interest), everything was destroyed. Only I know how I am surviving. Sometimes I even ask Allah that if some accident happens to me, maybe I will finally find peace, because right now I cannot see any way out.

I work one job, and at night I do Uber-type services as well, trying to pay off this debt. But sometimes it feels like, in the end, I may have to end my life. I just want to say this: never take interest in your life, no matter what. You can never truly understand how destructive it can be until it destroys everything.

I repent to Allah every day. Maybe it will take 2–3 years to come out of this situation. From a distance, interest (riba) looks very easy, but when you get trapped in it, everything falls apart. Life starts feeling difficult, and ending it starts to feel easy.

Sometimes it even feels like Allah’s help is not coming because the mistake has become so big. I just keep moving from one place to another, trying to survive. I only pray that you never get trapped in this situation. Never ever. Face the initial difficulties, but don’t fall into this later trouble, otherwise your life can become like mine.

I made a mistake unknowingly, and because of it my entire life has fallen apart. I've lost everything, my family, my friends, everything. I can barely afford proper food now. Before this, my life was going very well.

I've sincerely repented and asked Allah for forgiveness many times, but this situation still hasn't ended. People keep threatening me and demanding their money back. I'm working two jobs and doing everything I can to repay what I owe, but it's still not enough. They have no patience and keep pressuring me as if they're constantly after me.

Please pray that Allah makes a way out for me, relieves me of these difficulties, helps me repay my debts, and grants me peace. Sometimes the burden feels overwhelming. May Allah ease this hardship and help me escape from this situation.

I've forgotten what happiness in life even feels like. Please make dua for me, or give me some words of encouragement. I feel like I've reached my limit and don't know how much more I can take.

I'm trying my best, working hard, and doing everything I can to fix my mistakes, but the burden feels very heavy. Please pray that Allah eases my difficulties, helps me repay my debts, and brings peace back into my life. I still have hope that things can get better, even if I can't see the way right now.

I've become like a slave to the people I owe money to. This cycle never seems to end. It's been 3–4 years since I've felt any real happiness in life. Sometimes it feels like all I do is work, worry, and try to keep up with my debts, but no matter how hard I try, the burden never seems to get lighter