Q: I am looking to hire a lawyer to defend a civil case for a credit card. I have an unpaid outstanding credit card… A: Because of the criminal case filed by the bank, you might face a travel ban. Bank can even file a civil case as well to recover the money. You can negotiate with the bank…

Dear client, Thanks for your question! I hope you are fine. I will definitely help in your matter. Because of the criminal case filed by the bank, you might face a travel ban. Bank can even file a civil case as well to recover the money. But you can negotiate with the bank to restructure the outstanding amount to avoid legal action. Regarding the lifetime ban, it's not correct. The bank can not file a lifetime ban. For further information, you can write us an email or call Whats. We have a good team of Local Emirati Lawyers to handle all kinds of cases. I am happy to help you. You can fix a personal meeting at our office. Thanks and Regards, ABDUL WAHIED

Hiring a lawyer to settle an outstanding debt while being outside the UAE

Questions & Answers

Questions & Answers

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Avoiding a civil case by the bank through settlement

Q: Dear Ahmed, Eid Mubarak! I lost my job two years back and I have been on a couple of visit visas without luck! I have a loan which I was able to pay the first few months of being laid off, however, I couldn't afford to until the bank deposited one of the security cheques. I was arrested while exiting the country, and fined where I was handed over my passport. I am back on a visit to look for a job but the bank has threatened to open a civil case, what are my options? Will they take me to jail? Is there a way I can request the court to allow me to pay little instalments until I get a job? Kindly advise

Jun 27, 2018

10711

Settling bank loan and credit cards after leaving the UAE

Q: Hi Sir, I am looking forward to having a debt solution in the UAE. I am currently not in the UAE and I did not pay to the banks since August 2018. Otherwise, I had been paying since last three years. I have 5 credit cards & one personal loan. Can you please help me in this regard?

Jan 8, 2019

2167

Settling an unpaid loan from outside the UAE

Q: I have an auto loan in Dubai, but I am no longer in Dubai. What is the best way to resolve it?

Feb 11, 2020

2197

What is the maximum discount given by the bank or court for unpaid credit card debt?

Q: Hi, I have an outstanding credit card amount of AED 22,000 unpaid since March 2019, which has now gone up to AED 38,000. Since Nov 2020, a third-party debt collection agency is behind me for this amount. Now the bank is directly negotiating for AED 18,000 in one shot payment. I am unable to pay this amount. As per your experience, what is the minimum amount that banks will agree with to close this issue? If they go for a civil case, will the judge grant me a lesser amount to pay?

Jul 11, 2021

919

Debt consolidation and settlement negotiation with the bank for unpaid debt

Q: Please, can I have recommendations for a good debt management company in the UAE for a foreigner who has left the UAE, and wants to consolidate, negotiate and agree on a payment plan to pay her debt back and to clear her name?

Oct 20, 2021

357

Debt settled, record clear, but facing lifetime ban in Dubai. What to do?

Q: Dear Sir/Madam, My debt was settled with the bankers in 2017. My colleague was checking in at a police station in Dubai and my record is clear; that being said, there is no ban. However, another PRO has said that I have a lifetime ban and must pay a sum of 40,000 Dhs to lift the ban. Can you please clarify whether I need to clear this from the immigration system or if both the police and immigration systems are the same?

Mar 10, 2023

106

The bank deposited my security cheque for unpaid credit card. How can I settle?

Q: My credit card EMI was not paid last 2 months, card limit is 35000. The bank deposited my security cheque, put 100,000, and it bounced. Now, they are going to make a criminal case. How can I negotiate with them?

Jul 30, 2023

849

How to clear a travel ban and civil case by the bank to return to Dubai?

Q: Hi I have a civil case executed in Dubai by 1 bank only and there is no arrest warrant issued. I am outside the country and my residency is still valid can I enter UAE again, I want to pay the amount in installments cause I have work. Will I be arrested at the airport or not if I come to Dubai? Also, I got a job in Qatar. Can I travel to Qatar despite having a Civil Case in Dubai? But my priority is only UAE because I have spent all my life in Dubai, UAE. Your guidance will be great and thanks in advance.

Mar 1, 2024

494

Laws & Regulations

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Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates

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

148361

Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.

Sep 27, 2020

3530

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Abdul Wahied Mohammad Sharief

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Missing business partner since 2003. What to do about his share in the LLC?

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I got a work permit and entry from a Dubai employer for work. What documents do I need to carry?

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How to legally receive income from crypto trading without raising any concerns?

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Hello, How much time do I have to start paying after the verdict in the appeal court? And what's the probability of freezing my account or traffic file if I’m paying?

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