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?

Q: Hello, I have an outstanding credit to settle in Dubai. I contacted the bank and I couldn't reach anything with them. I'm outside the country and I need a lawyer service to negotiate with the bank to reschedule the outstanding amount since I can't afford to pay the amount on a lump-sum basis. But I'm willing to repay in installments if possible. Also, I need to know how I can do a POA from outside the country to the lawyer who will manage that case. Thanks a lot for your help!

Q: Hi, Is it possible to make a visa for my husband as he has had a pending bank loan since 2018 and left Dubai without settling?

Q: Hi, I have 2 credit cards in the UAE. Due to Covid-19, I returned to my home country without paying my dues. When I was requesting a credit card, I provided my brother's mobile no and address in my home country to the bank person. Now randomly, the bank is contacting my brother about my bank dues. The issue is my brother wishes to come to Dubai for work. If he comes to Dubai, may the police or bank catch him and ask for my bank dues? Or can my brother work in Dubai without any issues and enter without any issues? Please explain to me!

Q: Hello, I took a loan (60k) from a Bank in 2019 before Covid and was repaying until we were laid off from work due to Covid effects. I wrote to the bank and informed them about it but continued repaying until mid-2021. A few weeks back, I called the Bank and requested a settlement plan. I also informed them of my intention to return to Dubai. They told me "they filed a case and if I want them to withdraw the case I should pay all the outstanding balance". I offered to pay 80% and the balance later on condition that they withdraw the case. They refused. What does the law say about it? Thanks for your help.

Q: If I file a case against someone, can I travel to my country?

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.