Q: I am looking to hire a lawyer to defend a civil case for a credit card. I have an unpaid outstanding credit card in the UAE. I no longer live in the UAE and I desperately need legal advice on how to approach this and how to settle the outstanding debt once and for all. The bank has sent many emails threatening with civil action and a "lifetime" GCC travel ban. In the next few months, I believe I can clear up the outstanding account but I need to know if it is still possible to settle the debt without criminal charges, I am scared that I am already banned from traveling and will be arrested at the airport if I ever return to Dubai. Is it best to hire a lawyer to deal with this since I am not in 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?

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?

Q: Seeking Lawyer service to help in loan settlement with a Dubai-based bank. Background: The client has defaulted on a loan availed from a bank in Dubai (UAE) and is seeking services from a lawyer in Mangalore to help him in the settlement process. Due to this, the client is unable to fly back to Dubai. As obvious, the lawyer would need to be an expert in understanding the nuances of laws that are pertaining to banking and financials in Dubai. It is assumed that the lawyer can provide all of these services (including representing the client in UAE court) from Mangalore. In any case, if travel is required to Dubai, all charges pertaining to travel will be borne by the client.

Q: I have a judgment against me in Dubai Courts and I don't have the money to pay. I shall pay it in 5 or 6 installments. How to request this in court? And whom and when should I approach for the same? I already tried with my creditor and he refused. He is proceeding with the execution formalities to block my bank accounts and RTA files. If the bank accounts are blocked I shall be stuck with all my operation so that my receivables also will be uncollectible.

Q: How can I know if a debt consolidation firm is legit? My friend has consulted an agency for his debts to be consolidated and he was asked to pay AED 3,000 in 2 installments. And the charge for power of attorney is separate as well. How effective having this debt consolidation firm?

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.