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: Hi, I have a credit card issue. Since last 2019, I am asking the bank for negotiation. I paid for around 4 and half years but now I am not able to afford it anymore. But they are not negotiating and telling me to pay the full principal amount. They are calling and harassing me but not negotiating. How can I come out of this issue? This issue is pending since 2019.

Q: Hello, I am outside the UAE and canceled my UAE residency 2 years ago. I have an ENBD account with a fixed deposit of 10,000 AED and a credit card linked to that fixed deposit. Both were suspended a few months ago due to not having residency in the UAE. I want to close the fixed deposit because I need the money now, but I cannot travel to the UAE at the moment. If I give someone (or a lawyer) power of attorney, can they go to the bank branch and close the fixed deposit for me? I have no cases against me, no outstanding loans, and the credit card balance is fully paid. The bank informed me that I must first close the credit card, then wait 45 days before closing the fixed deposit in person at the branch. However, I cannot go to the UAE for the next 6 months. How much would the process cost if I do a POA and hire a lawyer?

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.

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.