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

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

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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

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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

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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

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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

407

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

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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

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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

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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

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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

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Abdul Wahied Mohammad Sharief

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Can I renew my trade license and visa if I have multiple cheque execution cases filed against me?

Hello, I have multiple cheque execution cases filed against me due to financial strains last year. My trade license and visa will expire next month, along with my Emirates ID. Is it possible for me to renew my license and visa along with EID prior to settling the execution cases? The trade license and visa were issued by the free zone authority. I look forward to your response. Thanks.

May 1, 2025

How to file a case against my former company for unpaid salary I was not on their visa?

Dear Legal Advice Middle East, I hope you are well. I am seeking legal advice regarding an unpaid salary issue with my former employer, [-----]2 LLC. I was employed with them from December 4, 2024, to January 7, 2025, on a monthly salary of 5,000 AED. However, I only received a partial payment of 2,473 AED on February 24, 2025. The remaining 2,527 AED is still unpaid. I submitted a complaint to MOHRE on March 2, 2025, but I am unable to proceed further through their official channels. This is because I was working under the visa of my previous employer, [---] LLC, and not under [----]’s sponsorship. As a result, I do not meet the criteria to file a labor complaint via the MOHRE app or hotline. Given this situation, I would appreciate your guidance on how I can legally pursue the recovery of my remaining salary, considering the complications related to my visa status during the employment.

Apr 30, 2025

After closing the company, can an investor stay in the UAE until the residence visa expires?

Hello, An investor has a residence visa valid until February 2027; however, he wishes to close the company before the current license expires in December 2025. Can the investor still legally reside in the UAE until the residence visa expires?

May 2, 2025

Can I return to Dubai after 12 years away on a new employment visa?

Hello, I came from Dubai to India on emergency leave, but unfortunately, I did not return. It has now been 12 years. Can I go to Dubai on a new visa? I have already received a new employment visa from another employer. Can I return to Dubai, or will there be any problems with UAE immigration? Please advise!

Apr 30, 2025

Employer agreed to settle before MOHRE. What if they don’t pay the promised amount?

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