Questions & Answers
Questions & Answers
9 available 9 • View allSet off of a personal loan using EOSB
3
Q: Dear Sir,
Can I settle my personal loan amount by using EOSB?
I was not able to pay instalments after losing my job, so I made a one-time settlement with the bank to pay xx amount and finish my personal amount.

Jul 16, 2018
800
Seeking settlement with the bank for defaulting on a loan
2
Q: I am a defaulter on a bank loan in the UAE.
Now, I am requesting the bank for settlement but still no reply from their side, can you guide me on this?
What I have to do now? I am offering them but they're still emailing me about a legal case. Any solution to this?

Sep 14, 2018
2760
Bank collection requesting full loan payment from a terminated employee
5
Q: Good Day.
I'm Johny Vivek Micheal.
I was working in the UAE from September 2014, and unfortunately, I have been terminated by the company and I have dues for the RAK bank.
Regarding those payments, I'm paying my monthly dues even though I was threatened by an agency from India that I have to pay my full amount or else they will go for a legal action.
What should I do?

Sep 19, 2017
2389
How to settle a bank loan properly from abroad
1
Q: Good morning,
I have defaulted on a credit card/loan debt totaling 133.000 DHS for the last 15 months. I would like to clear this debt, but I am not sure of the best way to do so.
My end of service gratuity would be mostly absorbed by this debt, but it has not been processed by my former employer, as they said that my resignation was not received or was received after the resignation window.
They ordered me to return to work and I could not, so they terminated me for abandoning my job. My bank demanded full payments, but I could not maintain them at the time.
After a few months, I received a notice with threats of a criminal case, so I did not return to the UAE to try to sort my out processing to receive my EOS.
I received an email from a debt collection agency and want to know if it is best to try to negotiate affordable monthly payments through them or with the help of legal representation.

Jan 5, 2021
361
What can I do against the harassment of a debt collection agent in my home country?
2
Q: I have a few questions.
I had taken a bank loan of AED 60,000 approx. in 2010 from a bank and after a few months of paying installments I came back to Pakistan due to some family issues and my job was finished.
Now a local recovery person is approaching me and calling for settlement. That bank does not have any branch in Pakistan, I do not want to settle with any stranger. Many times I requested him for legal proceedings but not.
Now he is creating problems for my job and visiting my home. As per the law, does he have the right to do that?
Due to the Covid situation and financial crises I'm unable to pay now.

Feb 3, 2022
474
Can I take the settlement for credit card offered on the phone by collection agency?
0
Q: I agreed with the collection agency regarding my unpaid credit card dues and they sent an email to me stating that as agreed, in the telephonic conversation, I can pay the amount as installments and close the cards.
Is it valid to accept it as email from collection agent or I need to get the settlement agreement from bank on their letter head?
Kindly advise.

Jul 1, 2022
271
How to reach a settlement with the bank on credit cards to avoid collection agencies?

0
Q: I have credit cards from a bank in the UAE and the limit for both cards is 7500 but the outstanding is 9800.
I asked for a settlement of AED 4000 for both cards, as I paid more than 2 or 3 times the card limit and it's been blocked for more than 3 years.
The collection agent keeps on calling and saying a maximum of 3 installments for 7000 as a settlement but I am not able to afford that amount.
Also, the bank is denying to talk and telling me to contact the collection agency for settlement and the bank is not responsible for this.
Can you please guide me in this?


Feb 15, 2023
260
How to stop UAE debt collectors from harassing me?

1
Q: Dear Sir/Madam,
I have outstanding debts in the UAE, but I live overseas now.
Debt collectors are reaching out to the companies I work for, creating embarrassment and harassment.
Is there any legal way to make them stop?


Apr 2, 2023
996
How to reach a settlement with the bank after the harassment of a debt collection agency?

0
Q: Hi,
I would like to ask for advice on what is the best thing to do in a settlement issue with a financial institution. I had a police case and paid a fine in Dubai Court.
Now the third party is stressing my mind sending emails to our company. I arranged money for settlement but I will not pay the whole amount that they are asking me as it is too much.
Please help me to finish this issue so I can work peacefully.
Thank you.


Jul 28, 2023
176
Legal blog
1 available 1 • View allOnline POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
19236
Laws & Regulations
1 available 1 • View allFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
Dec 15, 1985
148521

Premium
Other answers by
Are there any restrictions on a diplomat buying property in the UAE? 2
Hello,
Is there any restriction on a diplomat buying property in the UAE, where he works as a diplomat at his country's consulate?
Feb 20, 2025
98
If someone has a case in the UAE, can they travel to another GCC country? 2
Hi.
One of my friends joined a Telegram group. They said, "We will transfer some amount to your account, and your task is to transfer this amount to another account. Once the task is completed, you will get 30 or 50 AED per task."
He completed 3 to 4 tasks, but he realized it was not good, so he stopped. After one week, when he opened his account, it was blocked, and the bank said, "We are conducting an investigation; after this, we will let you know."
After some days, he had an accident and went to his home country. He then received a call from a landline number, which was from the Abu Dhabi police station.
They said, "We have received a complaint against you; come to our investigation department." However, due to his surgery and treatment, he could not go.
After some time, his bank account was reopened, and he did not receive any further calls. I want to know, if he comes back to the UAE or goes to any other GCC country, will he face any problems?
If someone has a case in the UAE, can they travel to another GCC country?
Please advise!
Feb 17, 2025
172
What can I do if my employer refuses to pay me and I have no contract? 5
Hello,
What legal action can I take in case the employer refuses to pay my salary and I don't have a contract with them?
Feb 18, 2025
164
I want to open an online shop. Do I need a license to open an Etsy shop? 1
I currently live in Sharjah and have a UAE residence visa but I am not a UAE or GCC national. I want to open an online shop (Etsy or Shopify) to sell handmade items, such as crocheted goods, bookmarks, greeting cards, etc.
Do I need a license to open an Etsy shop?
If so, which license do I need to sell my products online, including UAE and worldwide?
How much would it cost me?
Can I keep my residence visa (sponsored by my father) and not change it?
Feb 14, 2025
169
How can we locate a person with an ongoing legal case? 1
Hello,
I am seeking your legal advice regarding a friend who was previously imprisoned in Abu Dhabi. His case there is now closed, but he has another ongoing case in Dubai.
Currently, we have lost contact with him and are unsure of his whereabouts. How can we check where he is or access any other legal facility?
Are there legal procedures to locate a person with an ongoing case?
What steps should we take to get more information about his status and legal position?
Feb 11, 2025
187

Premium
Other answers by
Employer agreed to settle before MOHRE. What if they don’t pay the promised amount? 0
Hello,
I already have a dispute order with MOHRE. Then my employer became willing to settle the case.
What should I do in case they do not follow through with the promised amount to pay?
Apr 29, 2025
21
Despite a waiver, the case is still with the public prosecution. Can I travel? 0
Hello,
I had a case regarding fraud by technical means, and we did a tanazul.
It was attested and submitted to the court, but the case still hasn’t been dropped and is now with the public prosecution.
What do I do now, as I need to travel urgently?
Apr 28, 2025
19
How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
We have been to Al Barsha - Dubai Courts, and they said there is nothing they can do about it.
We are not sure what we can do. We need the money asap to pay our kids' school fees, let alone all the interest we have lost.
Apr 28, 2025
34
Who is supposed to pay for the transfer fee, the employee or the employer? 0
Hello
I joined my new company on February 26, 2025. Upon joining the new company, I asked HR if it was free to join the company, and she said yes.
After working with them for 1 month, I experienced a salary delay, and I had to go to the office to ask why there was a delay in my salary.
That is when the HR told me she deducted my whole salary to recover the transfer fee.
Now my question is, who is supposed to pay for the transfer fee, the employee or the employer?
Apr 28, 2025
19
Is it possible for a foreigner to get a divorce in Dubai? 0
Is it possible for a foreigner to get a divorce here in Dubai?
Apr 28, 2025
15
Get quotes from lawyers
Find the right lawyer for your legal needs.
Submit your request and get multiple
competitive offers from
qualified lawyers.
Popular Q&A
View all Looking for something else?
Ask for advice from a lawyer