Q: I am in Africa, and I left Dubai before settling my loan. I am being contacted by an independent debt collector. I am outside the UAE, what are my options if I ignore the debt collector? How can I get a clearance certificate from the bank & police?

Q: What should you do if a debt recovery agent contacts you?

Q: Salam Mr Khalifa, Quick question if possible. If someone has a credit card and he wants to stop it and discuss the settlement of the pending amount with the bank, will there be a travel ban during that period?

Q: Hi Mr Hari I have had a cheque bounce with one of the banks in Dubai which was an inbuilt cheque in credit card application. They had submitted a police case against me in April 2018. I was taken at Al Ragga police station. asked to pay AED 2000 fine. I was presented in front of the public prosecutor. I accepted that I am unable to pay the credit card amount and the bank did not tell me that they are submitting the cheque. I paid the fine on-spot and the passport was given to me. I also got my Police Clearance Certificate. Now to my surprise, after all this pain and harassment, the credit card fellow and so-called collecting agent are threatening to do a civil case. They are saying we will cancel all the extra interest charged on the card amount. Just clear the basic card value. I told them I was paying minimum payments earlier as well. But the bank did such a wrong thing by declaring me absconding. I have given 4 good years to this country. Please advise. If I do not take their calls and threats, what will be the worst case scenario?

Q: Hi I was staying in the UAE earlier and had credit card outstandings before leaving the country, but now settlement is ongoing as per an agreed plan. Can I travel to the UAE or not?

Q: Dear All, If a civil case is filed against a person who is outside the country, can the court reach a verdict without the presence of the defendant? Also, will the defendant be able to provide the information required to support the case investigation to defend himself/herself by being outside the country? Please provide me with the details. Thanks!

Q: I am a converted Muslim. I have an inheritance judgment from Dubai family court, on my estranged non-muslim son, since 2013 and the monthly inheritance is being transferred to a bank account in Dubai by the court directly since then. I am residing in India due to old age and poor health. Can I follow up on my case without a residence visa for an enhanced inheritance?

س: غادرت الدولة بعد سداد ٣٦ قسط للبنك بسبب فقدي لعملي دون أدنى سبب لإنهاء العقد. البنك يطالبني بالسداد عن طريق محامي واتصل بأفراد عائلتي. هل يكفيني سداد أصل المبلغ دون فوائد؟ يُرجى الإفادة!

Q: Hi, Can I file a complaint against a debt collecting agent for harassing me to collect my debts for a bank in UAE? They have been calling me and I responded to their calls and during my off, they tried to reach me but I could not respond to them due to personal reasons. They called my parents back home and threatened me saying they will call my boss and sent me a voice text saying "I will make you suffer". They are using abusive and unprofessional languag like "I am criminal" and "liar" and asking me "Am I a human even?".

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.

إن الاستشارات القانونية هي أحد أهم أعمال المحاماة، وقد يعتقد البعض أنه ليس من الضروري تعيين محامي متخصص لأعمالهم أو شركاتهم إلا في حال التعرض لمشاكل قانونية، إلا أن حقيق الأمر تتطلب الحذر دائمًا، فبدلًا من أن تواجه ردود أفعال غير مرغوب فيها قد تكلفك الكثير من الوقت والجهد والمال، يمكنك الحصول على استشارة قانونية أياً كانت قيمتها فلا تقارن بقيمة الخسائر المادية والمشاكل القانونية التي قد تنتج عن التصرف بدونها، ولعل كثرة القضايا والمنازعات سببها عدم أخذ الرأي القانوني من أهل الخبرة.

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.