Loan debt and a bounced cheque
We negotiate with the bank on restructuring, dispute unjustified charges, defend you in a bounced cheque case, and have the related travel ban lifted.
When clients come to us
- you lost your job and cannot keep up with loan payments
- the bank has referred the debt to collectors or filed a claim in court
- a security cheque issued to the bank has bounced
- a travel ban has been imposed on you because of the debt
- you left the UAE with an outstanding loan
What we do
- request and verify the bank's full calculation of the debt
- dispute unjustified fees, penalties and charges
- negotiate instalments, a payment holiday, or a discount
- formalise a written agreement with the bank
- defend you in a bounced cheque case
- secure the removal of the travel ban after settlement
How the work proceeds
- Debt audit. We request the statement and calculation. The actual amount often differs from the figure quoted by the collector.
- Negotiations. We approach the bank's relevant department with a substantiated proposal: restructuring or a lump-sum payment with a discount.
- Agreement. We put the terms in writing, including withdrawal of the complaint and removal of restrictions.
- Closure. We obtain a no-objection letter and confirm that the travel ban has been lifted.
Documents required
- loan agreement
- account statement and payment schedule
- copies of cheques issued
- demands from the bank or collectors
- income documents
Timeline and cost
Prices exclude UAE government fees and court charges. We confirm the exact quote in writing after reviewing your situation.
Работу начинаем в день обращения. Если по вашей ситуации есть более быстрый или более дешёвый путь, мы скажем об этом до заключения договора.
Коротко о главном
For a civil debt as such — no. Liability is possible under certain provisions relating to cheques and deliberate evasion. Since 2022 the primary mechanism for cheques has been enforcement rather than criminal proceedings, but the classification needs to be checked for the specific case.
Sometimes, yes. But a bank rarely offers a discount to someone who asks on their own behalf, and almost never formalises a withdrawal of a complaint without a written agreement.
The debt does not disappear, and re-entry can lead to detention. It can be settled remotely, by power of attorney — this is cheaper than dealing with it at the border.
The UAE has an insolvency procedure for individuals, but it does not apply to everyone and requires meeting certain criteria. We assess this at the audit stage.
Смотрите также
Опишите ситуацию — ответим сегодня
Первый разбор бесплатный. Мы честно скажем, если дело бесперспективно или решается без юриста.