Ibrahim we read a tradition in regards to verses 70 to 72 of Suratul Nahl (16)...
By this we mean that if a person owes another person money, then the one who has taken the loan should go in search of the person whom he owes the money to (to pay him back). Anytime he finds the person whom he owes something to, he should fulfill his obligation to that person and thank Allah (SwT) that He has freed him from being under the obligation of another human being (through paying back the debt, he has cleared up his responsibility).
The Dhikr of Allah (SwT) in All States Of the things which all people are responsible for enacting, however not all are able to, is to remember Allah (SwT) in all states. The remembering of Allah (SwT) should only be done for one reason which is to remember Allah (SwT) and this act should have no other incentives associated with it. The word Dhikr has three meanings to it: verbal, spiritual and the applied or practical Dhikr.
The verbal Dhikr is something easy; the Dhikr in the heart which makes up the spiritual Dhikr is somewhat more difficult; while the Dhikr which is manifest in one's actions is the most difficult of all! The Dhikr in one's actions means that in a person's actions in his life, he recognizes that Allah (SwT) is present and watching - his actions truly show that he realizes that Allah (SwT) is present all the time.
The Prophet (S) has then said, “And this Dhikr is not in the meaning of…” Seeing as how this form of remembrance of Allah (SwT) is the most important verbal declaration mentioned in the various traditions and has been emphasized a great deal, the Prophet (S) has stated, “The Dhikr is not limited to only this (the verbal remembrance of Allah (SwT)).
Rather, the reality of Dhikr is that when a person enters into a situation where he has the ability to perform a forbidden act, he fears Allah (SwT) to such an extent that he immediately refrains from performing the deed that would be transformed into a sin in his records.” Therefore, the Dhikr of Allah (SwT) is actually a very valuable treasure!