Questions & Answers
Questions & Answers
8 available 8 • View allThe new insolvency law regarding loans of natural persons

1
Q: Hello,
About the new insolvency law for a natural person, does this also include Small & Medium Enterprise (SME) owners?
I am specifically asking about those businessmen who have business loans from banks and unable to service the loan, where the banks file a criminal case against the owner known as bounced cheque case.
Are these businessmen also covered under the insolvency law, so that they get a chance to sort out their debts?


Jan 2, 2020
1575
Is it possible to give a POA and file for insolvency in absentia?
1
Q: Insolvency Law No. 9 of 2019: Court may order to stop all criminal and civil proceedings against an individual defender.
I do not live in Dubai, UAE, and I am currently hiding out overseas. I have pending 2013 judgments by the criminal court in absentia and civil court in absentia.
- Could you please recommend an experienced lawyer to file for insolvency in Dubai Court?
- Is it possible to give a POA, my lawyer file insolvency in absentia, and obtain bail from the same court?

Apr 9, 2021
414
تمديد مهلة تسوية قضايا تنفيذ مدني لبنوك محلية
1
س: لدي مهلة قضائية لمدة شهرين لتسوية الوضع في 7 قضايا تنفيذ مدني منذ 6/14 وجميع الشاكين بنوك محلية وهم يماطلون ولم أستطع إنهاء أي منها إلى الآن.
ماذا أستطيع عمله مع قضاة التنفيذ لتمديد المهلة مع العلم أن المهلة ستنتهي في 8/14؟

Aug 12, 2021
177
Personal insolvency procedures in case of losing job and defaulting on credit cards
1
Q: My service has been terminated by the company as it is stopping its operations in the UAE.
I have 2 credit cards that have a due amount of nearly 130K for which I keep paying the EMI so far. Meanwhile, I don't have any job offer in my hand.
How can I manage in case I have to leave the country, or if not, in a position to pay the due immediately?

Oct 30, 2021
402
إلغاء حكم بالحبس بسبب قرض بعد صدور القانون الجديد
1
س: السلام عليكم،
بخصوص قرض من البنك أعطيتهم صك وقدموه إلى القضاء وصدر الحكم بسنتين حبس.
حسب القانون الجديد (سنة 2022)، هل يمكن إلغاء هذا القرار والسفر إلى الإمارات والتفاوض مع المصرف؟
أيضًا لمزيد المعلومات، قدّم المصرف بدولتي شكوي مدنية وتمت التصفية من حيث الشكوى المدنية. ما الإجراءات اللازمة؟
والسؤال الأخير، ما تكاليف المحاماة في هذا المجال؟
شاكرًا تعاونكم!

Dec 25, 2021
149
How can I file for insolvency and what are the consequences?
3
Q: I would like to file for insolvency. I need to understand how this will work.
I know insolvency means going bankrupt which means the individual truly has no money, but there is still a cost associated with the insolvency process.
I would therefore appreciate replies to the following questions:
1- What is the insolvency process?
2- How long does it take to complete the insolvency case?
3- Finally approximately how much it will cost in total (lawyer + court fees).

Nov 14, 2022
267
Where to apply for personal insolvency in Dubai?

2
Q: Hello,
I would like to know where to apply for personal insolvency in Dubai.
I would appreciate your assistance in providing me with the exact location or areas where I can apply.
Thank you!


Aug 20, 2023
371
Eligibility for bankruptcy if I have a commercial case of less than AED 30,000

1
Q: Dear Sir/Madam,
Do I qualify to file for insolvency/bankruptcy if I have a commercial case of less than AED 30,000 and am unable to pay it due to a long-term unemployment?


Nov 30, 2023
85
Legal blog
6 available 6 • View allThe Legal Alternatives of Bankruptcy in the UAE Legislation 1
The UAE continues to strive to modernize its laws and create more flexibility in meeting the needs and requirements of investors and businessmen and elevate its economy to the highest levels of growth and development.
Apr 9, 2019
2459
Bankruptcy Law and Personal Insolvency Law 10
This article will briefly explain about the Personal Insolvency Law of 2019 and Bankruptcy Law of 2016 in the UAE. Previously, there was only the Bankruptcy Law that was available for the commercial companies, merchants, traders, and similar persons who were suffering from the financial crisis but now individuals have such options available as well especially considering the effects of COVID-19. Both laws were issued to assist distressed persons and entities by offering them settlement options.
Oct 1, 2020
4926
الإعسار في القانون الإماراتي 14
على قدر وجود تعاملات تجارية سواء بين الأفراد من غير التجار أو الشركات أو بين كليهما، تكون هناك حالات حيث يصبح المدين بوضع مالي يتعثر فيه عن سداد المستحقات المالية تجاه دائنه، فيصبح في حالة ما يعرف بالإعسار. وقد عالج المشرع الإماراتي هذه الحالات حرصاً منه على حفظ الحقوق وإعطاء المدين فرصة لسداد ديونه، ونظم هذه العملية من خلال المرسوم بالقانون الإتحادي رقم 19 لسنة 2019 بشأن الإعسار.
Aug 29, 2021
511
نظرة في الطعن 4 لسنة 2023 قرارات الهيئة العامة لمحكمة تمييز دبي 32
بتاريخ 24/10/2023، صدر قرار الهيئة العامة لمحكمة تمييز دبي في الطعن 4 لسنة 2023 مرسياً مبدأً جديداً مفاده أن الأصل في الناس هو الإعسار وأن اليسار عارض، وأنه يتعين -تبعاً لذلك- على طالب التنفيذ أن يثبت يسار خصمه المنفذ ضده أو تهريبه لأمواله كي يستصدر أمراً بضبطه وإحضاره ثم حبسه لإكراهه بدنياً على السداد. وكما هو متوقع، أحدث هذا القرار ردود فعل كثيرة ومتنوعة، سيما وأنه قرار نوعي يقلب كثيراً من الأوضاع المعتادة رأساً على عقب ويغير من الحالة الاجتماعية السائدة الشيء الكثير.
Nov 20, 2023
1516
Filing for Bankruptcy and Insolvency in the UAE: What You Need to Know 8
Dealing with financial difficulties can be overwhelming, but the UAE provides a comprehensive legal framework to manage bankruptcy and insolvency in a way that benefits both debtors and creditors. Understanding these laws and how they work can make a huge difference in navigating the process successfully.
Nov 12, 2024
326
العدالة النافذة بدلاً من العدالة الناجزة 1239
سبق أن نشرنا على هذا الموقع مقالاً عن العدالة الناجزة، وأشرنا إلى أن المعنى الصحيح لهذه الفكرة ينبغي توجيهه إلى التنفيذ، بحيث يظهر فيه عنصر الإنجاز، وتتجلى فيه صفة السرعة، وذلك بدلاً من إصدار الأحكام ذاتها بسرعة كبيرة ثم تخديرها في مرحلة التنفيذ حتى تموت.
Dec 25, 2024
2235

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71 71 answers •
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I am the owner and have legally notified my tenant regarding my intention to sell and have given her first right of refusal.
But she is not signing nor allowing me access to arrange visits for other interested clients.
What are my rights / legal steps to force a viewing
Feb 17, 2021
9717
The developer refuses to pay the money back after delivery delay due to force majeure 0
I am seeking legal advice to terminate the contract due to a delay in the project for a period of 16 months only.
The following is the details of the project as per SPA and some givens:
- 30% paid in installments (on time, no delay in payment).
- 70% to be Paid on Handing Over.
- Expected Handing over date: 1st April 2019.
- Longstop date of Handing over: 1st April 2020.
- Actual date of delivery announced by developer: 10th August 2020.
- Notification sent to the developer by myself to terminate the SPA and return the 30% paid amount.
- Developer responded that the notification is rejected as the delay is due to force majeure (Covid-19 Pandemic).
Question:
Do I have a winning case if I filed to court to return the paid amount?
Feb 17, 2021
629
Overstaying because a family member is tested positive for COVID 0
Our residence visa grace period expires soon. Because a family member is positive for Covid-19 and he is in-home quarantine, we are unable to fly within the grace time. What should we do?
Will we be fined?
Please guide!
Feb 17, 2021
787
Cancellation of a property purchase and refund for over-delay in handover 0
Hello
I am contacting you from London. I have purchased a property in Dubai in a project in 2005. We purchased two apartments and today we have not received anything yet.
This construction project is still going on and the developer has changed many times. Another company now runs the project, and whenever I contact them they say it's going to be ready in the next 3-months or 6-months.
It keeps postponing work are currently at standstill. I have contacted them then and the same they're waiting for more information from the Dubai authorities.
Every time there's a different story, and we get delayed. It's now been 16 to 17 years since we have invested in this and I would like to put a stop to this now, possibly get a refund and compensation.
Could you please help me by advising me what my situation can be?
Feb 1, 2021
834
Can a father claim the custody of daughter when the mother marries unfit person? 0
My wife and I got divorced 3 months ago, she has custody of our 6-month old daughter.
She wants to remarry but I disagree with the person she wants to remarry as he has a history of violence and abuse.
Can I have the custody agreement revoked?
Mar 26, 2022
729
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