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Your rights

Where the line is

What collectors, banks and courts can and cannot do under Central Bank rules and the 2022 law.

4 guides

Guides in this section

Fee vs discount

the only comparison that decides whether one of these is worth it

Your rights

Are debt-management companies in the UAE worth it?

What UAE debt-management companies actually do, how their fees work, the checks to run before you sign, and the arithmetic that decides if one is worth it.

7 min read

2 steps

the bank's own process first, then the Central Bank's ombudsman

Your rights

How to complain about a UAE bank — the two steps, with a template

How to complain about a UAE bank or its collectors: the internal complaint that comes first, escalating to Sanadak, and two templates to copy.

7 min read

No jail

for civil debt — and collectors cannot threaten it

Your rights

UAE Debt Collection Agencies — Your Rights as a Debtor

Your rights when UAE collectors call: what Central Bank rules allow and forbid, why they cannot threaten jail for a civil debt, and how to respond.

10 min read

2022

the year bounced cheques became a civil matter, not a crime

Your rights

Police Case for Debt in UAE — What Really Happens

Can you go to jail for debt in UAE? Since 2022, unpaid loans and bounced cheques are handled as civil matters. Here is what actually happens.

8 min read

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