Category: General Practice of Law

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Dubai Debt Collection Services | Payment Recovery Lawyers

Dubai Debt Collection Service | Debt Collection Lawyers

The debt system dates back to the barter system wherein goods were exchanged for goods till it was replaced by currency. Debt collection is the process of collecting overdue debts owed by the individuals as well as by the companies who have incurred debts. As per the UAE law limitation for filing a legal action for debt recovery is between 2-10 years.

What is the debt collection procedure in Dubai?

Extra-Judicial Process To Recover Debts

UAE debt collection lawyers assists in collecting the debts outside the court. This collection service collects all the information about the debtor and then contact the debtor on behalf of the lender in a very professional manner to remind the debtor about his unpaid debt. This is done mainly via telephone or email. This way they inform and educate the debtor about possible legal consequences of non-payment of debts.

If amicable settlement can’t be reached between the parties, a petition can be filed with Dubai Court. As a first step the Dubai Court will notify the debtor through a registered demand letter which requires him to pay the amount and the late fees within fifteen days. If the debtor does not pay the debt the lawyer will prepare the documents, court memos to be filed before the civil court along with the supportive documents, emails and correspondence that prove creditor is entitled for the outstanding amount. The lawyer will then pursue the hearings and will execute the judgement.

Court Procedure To Recover Debts

When the extra-judicial method to recover debts fails then the only option is to resort to court intervention. To protect the Emiratis and residents who are facing financial troubles to restructure their debt with the possibility of receiving “new concessional loans” Law No. 19 of 2019 was passed. This law gives two options to resolve financial bankruptcy:

Financial Obligations Settlement

The court shall appoint one or more specialists to help the debtor throughout the process and design a settlement plan for the financial obligations based on circumstances. Once this is done, creditor will vote and it will be implemented. The court has the authority to terminate it if:
The debtor abstains from or intentionally damages or conceals some of their possessions, or if the debtor makes false assertions, or if the debts are not paid for one or more than forty consecutive days after maturity. In such case the debtor may file for bankruptcy.

Insolvency and financial liquidation

The second method to recover debts is to liquidate assets and money to repay the debts. This is done when the debtor can’t pay the amount for more than fifty consecutive working days. When the debtor elect’s liquidation, the court appoints a trustee to assist and supervise the liquidation of the debtors’ finances and assets. This is done according to Article 8 of the new debt legislation. Creditors may also seek the liquidation of a debtor’s money in some situations provide liquidation sum does not exceed 200k. So, basically the law provides for two things—It provides a plan for the settlement of the debts and liquidation of the assets in case the debtor fails to pay the debt.

What is sale of debts?

Debt collection might involve sale of a specific share of debt to another company called as debt buyer. Such companies buy debts for a certain percentage of the debt value and pursue the debtor for full balance. In this case the creditor receives direct revenues but cannot recover full amount because of a percentage shared with the company for share of debt.

What is the procedure for bankruptcy of companies?

When a company no longer pays its debts, it can get a fresh start by liquidating its assets to pay their debts or by creating a repayment plan, bankruptcy laws protect those businesses which are troubled financially and fails pay its debts. The UAE Bankruptcy Law No. 9 of 2016 as amended by Law No 23 of 2019 governs bankruptcy on the federal and local level of UAE and is overseen by Ministry of Finance. It does not apply to DIFC and ADGM and individual merchants. Bankruptcy law provides various different options in order to avoid full bankruptcy. The Bankruptcy Law says following procedure must be adopted in case of bankruptcy o companies:

Preventive Composition

The first step in case of bankruptcy of companies is to give the breathing space to it to reach to any settlement with its creditors when it is in its early stage of financial distress. This option is available when the debtor has not defaulted for more than thirty working days with respect to debts owe to the creditor. Only a debtor can make an application to the court for preventive composition. If the application is accepted, a composition trustee will be appointed by the courts to reschedule the debtors debts and enter into a settlement plan with the debtor’s creditors known as the Preventive Composition Plan. The creditors must vote to approve this plan and this plan must not take more than three years from its implementation. And if this plan is approved by the court and the creditors the trustee will supervise the plan throughout its implementation.

Restructuring Process

When a bankruptcy application is given to the court by an insolvent debtor or by the creditor where the unpaid debt is more than 100,000 AED and has been overdue for thirty days despite a legal notice, process of restructuring starts. Court will appoint a bankruptcy trustee and while preparing the report about the debtors business, it will check if restructure of debtors business is possible. This restructure process will not take more than five years. Once restructure process is approved any civil/criminal proceeding against the debtor is suspended.


If the court nullifies the preventive composition or restructuring plan the court will go ahead with formal bankruptcy procedure of the debtor. The court can entitle the debtor to continue his business till formal bankruptcy is declared. In order to recover money, the trustee under the supervision of the courts will start selling the assets of the business to liquidate its assets.

What are the effects of bankruptcy?

When a debtor is declared bankrupt selling of his assets to recover the money shall be done and certain debts and expenses shall have priority. Merchant/ Owner of the business will be prevented from being directly involved in the managing of the business and from applying any further debts. All court proceedings will be suspended including execution proceedings except for those debts which are considered preferential debts. The transactions of the debtor prior to bankruptcy up to two years shall be nullified, set aside and reversed. The people involved in management of the debtor will not have any rights or power to be part of any managerial or board position for five years after the bankruptcy procedure is over.

Even after the procedure of bankruptcy is over and liquidation of debtor’s assets, every creditor whose debt was accepted but not repaid in full may execute against the debtors’ assets to recover the outstanding amount.

How much does the debt collection service charge?

Debt collection in Dubai vary greatly in how they charge for the services. Usually, they take percentage of the actual debt after collection. So, the average charges are:
Commission Fee: 25% to 50% of debt owed
Admission Fee: 5% to 10% of debt
Other (Risk, Litigation) Additional 15% to 20% of debt owed

How to proceed for debt collection in case of oral agreement?

In a situation no agreement exists between the debtor and the creditor, it is sufficient for the creditor to have invoice and their acknowledgement as a sufficient proof for debt collection.

In conclusion, the Emiratis and Expatriates who are unable to pay their credit card debts or outstanding debts cannot be imprisoned now, the new insolvency law says that they can work to pay off their debts with the help of UAE government. This is a big step considering most of the Expatriates live in Dubai on credit because of high cost of living.




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Dubai Family Lawyers | Sharia Law For Family | Marriage | Divorce

Family Law In The United Arab Emirates

Family Law in UAE is governed by Shariah Law which basically covers everything from marriage, divorce to succession. The commentary of these personal laws is based on the Imam Maliki school of thought. The relevant laws with respect to family law are Federal Law No 28 of 2005 also known as Personal Status Law, Federal Law No 5 of 1985 known as Civil Transaction Law and Federal Law No 11 of 1992 known as the Civil Procedure Code. The Sharia-based Personal Status Law applies to all including non-Emiratis, unless they choose their own home country’s law (Article 1, Personal Status Law). If a foreign national wishes to apply their country’s law they must provide the laws attested and translated into Arabic for use in the Courts. If a marriage is between two foreigners or between a foreigner or a national it will be valid if it was in accordance with the conditions of each State where it concluded. Law of the State of the husband upon the conclusion of the marriage shall govern personal and financial impacts set up by the contract of marriage. In matters of separation or divorce in the UAE it shall be governed by the law of the State of the husband. If marriage is between a national of the UAE and a foreigner, law of the UAE shall apply except for condition of capacity for marriage.

Is Co habitation legal in UAE?

Before 2021 co habitation was a crime in the UAE and would attract Penal code however after the recent amendment in Federal Decree No 31 of 2021 on the Issuance of Crime and Penalties Law it is not a crime anymore.

How is marriage under Shariah law solemnized?

Under the Federal Law No. 28 of 2005 on Personal Status, marriage is considered to be a legal contract between a man and woman which aims to protect and form a steady family. Under the Shariah Law with respect to marriage there are two contracting parties: the husband and the tutor. The Tutor shall proceed with the marriage after taking the consent from the woman. The majority age for the parties is fixed at eighteen years, however if the spouse’s age is twice the other, the judge’s approval is sought.

Marriage contract needs to be registered in a Sharia court. A premarital screening certificate is needed. Islamic marriages are conducted by UAE Judicial departments and Sharia courts or through the services of authorized marriage officers (Mazoons) in each Emirate.

Contract is invalid in absence of a tutor. The offer and the acceptance must clearly have the word marriage and must be fulfilled immediately and shall not refer to a future time. Due to kinship a person is prohibited to marry his ascendant to highest degree, descendant to the remotest degree, first category of the descendants of one of the grandparents, descendants of the two parents or one of them to the remotest degree.

A marriage contract shall be valid only if there were two male male witnesses present of sound mind and full capacity and must be Muslim.

The husband must offer dowry in money or property for the purpose of marriage. There is no minimum limit fixed for dowry however maximum limit is fixed under Federal Law No. 21 of 1997 on Fixing the Dowry which says that Islamic Dowry may not exceed AED 20,000 and deferred dowry may not exceed 30,000 AED. It is the property of the bride so she can dispose of it. It may be whole or in part. It is by virtue of a valid contract and becomes certain by consummation of marriage.

Rights Of Wife Towards Husband

The wife has the rights of Alimony, non-obstruction to complete education, non-interference with the personal matters, non-infliction of bodily or moral prejudice to her, non-opposition to visit her ascendants, equitable treatment between other wives.

Rights Of Husband Towards His Wife

The husband has a right towards his wife that she must supervise the house. preserve the assets and a right of suckling of his children.

What is Interfaith marriage?

Interfaith marriage is when people of different faiths are united in matrimony. A Muslim man is permitted to marry a non-Muslim woman as long as she is “Ahl-e-Kitab” or “Of the Book” and follows the Abrahamic religion that is Christianity and Judaism. If the woman is not “of the book” she must revert to Islam for marriage. However, a non-Muslim man can’t marry a Muslim woman unless he embraces Islam.

What is Civil Marriage under Abu Dhabi Law?

According to Federal Law No 14 of 2021 on Personal Status for Non-Muslims Foreigners, a family court has been established for non-Muslims in Abu Dhabi. As per the Abu Dhabi Judicial Department, “Civil marriage is the lawful union of a non-Muslim man and woman and it is solemnized as a civil contract without religious ceremony”. This law allows the foreigners, non-Muslims, visitors and nationals of Abu Dhabi to conduct marriage. This Civil marriage no longer requires a religious ceremony or the approval of the guardian. A judge or the Notary approves the marriage and issues a digital certificate. The conditions necessary for this is that no party should be less than eighteen years of age, both the parties shall explicitly give their consent and both shall sign the declaration form.

The documents required for this purpose are:

  • Complete and signed marriage form.
  • Copy of passport or Emirates I.D.
  • If previously married, proof that marriage has been dissolved.
  • In case of death of spouse, copy of death certificate.
  • If divorced, a copy of divorce certificate.
  • If previous marriage was declared null, a copy of the court order.

Usually if the application is approved it takes around five working days to get the certificate and the fees for this application is 500 AED.

For the purpose of divorce, it is sufficient that one spouse declares before the court his willingness for separation and ending the marital relationship without the need to justify this application or demonstrate any damage or to blame the other party. After the divorce, the wife may submit an application to the court requesting alimony from the former husband. The Judge will decide financial support keeping in mind the following: years of marriage, age of wife, the economic status, the extent to which the husband contributes, whether or not to take care of children.

The custody of the children is joint and equal right for both parents upon divorce. If any one of them gives in writing to the court to waive the right to custody, the court will check the circumstances and decide accordingly.

Foreign testator has the right to leave a will to whomever he deems adequate. In case of absence of will, half of the inheritance shall be entitled to husband or wife and the other half shall be equally distributed among the children with no difference between males and females. In case of absence of children, it will go to the parents.

What about marriage of non-Muslims in UAE?

Non-Muslim wedding in UAE is recognized if they occur at places of worship such as churches, Hindu temples, or Sikh Gurdwara. Furthermore, non-Muslim interfaith weddings are typically conducted in the embassy or consulate of the bridegroom or the groom. Personal Status Court of Dubai performs marriages between people who are Muslim by faith.

What is the divorce procedure?

Divorce is the dissolution of marriage contract in a prescribed form. It can be verbal as well as in writing. However, verbal divorce must be proven in court through witnesses or by oath or by a court judgement. In UAE there is no such thing as Judicial Separation, the only separation is by court. The process for divorce starts when one party asserts their decision to part ways. Article 98 of the Personal Status Law says a conciliatory procedure is mandatory in divorce proceeding since the Quran promotes reconciliation through negotiation settlements between spouses. Thus, the Quran treats divorce as something permitted but not laudable. If both the parties agree and a settlement agreement is drafted, divorce is concluded amicably but if parties fail to reach to an agreement before the conciliator, then court proceedings can initiate. Foreign Law can’t be applied if it is contrary to public order, its effects can’t be determined, if the applicant claims to have dual nationality or whose nationality is not known. ( Article 27 and 28 of Civil Procedure Code)

Grounds of divorce

Under Shariah law divorce can be claimed on the grounds of physical and mental issues like impotency, vaginal occlusion, failure to pay dowry promptly, prejudice and dissension, non-maintenance, absence and loss, detention (Jail Term)


Where the husband swears not have sexual intercourse with his wife for a period of four months or more unless he goes back to his oath before such period, in such case divorce is irrevocable.


Where the husband compares his wife’s body to that of another woman who is forbidden to marry (example mother or sister)

Article 110 to 135 of Personal Status law talks about divorce. A woman can apply for divorce but she must demonstrate that she has been harmed. Harm in this context would mean husband’s failure to maintain his wife, home and children or if he is violent. The recent amendments gives the court right to reject such application for divorce which means the right of woman to seek divorce has been restricted.

As for a man the position is different. He need not any ground or consent of his wife to divorce but scholars say that there should be a reasonable ground for such a decision.

The court can nullify a marriage contract if it conflicts with the Shariah Law or public policy. It may be nullified in the following cases:

If marriage takes place in absence of wife’s guardian (Art 39 of Personal Status Law) or if a woman is provisionally or permanently prohibited to the man. In such cases if the Court nullifies the marriage contract, the parties return to their previous status. However, if the court so wishes it can correct the nullity at its own discretion.

What are the types of Divorce in Shariah Law?

Under Shariah Law divorce is known as Talaq -e- Hasan as mentioned under Surah Talaq of the Quran and approved by all schools of Muslim law. If a husband pronounces divorce to his wife and takes her back within three months (Iddat period) marriage remains intact. Also, resumption of sexual relations automatically retracts the divorce. If he pronounces divorce to his wife second time he can still revoke the divorce and take her back during the waiting period. However, if the husband pronounces the divorce third time, the divorce becomes final and irrevocable.

Maintenance (Nafaqa)

Before the divorce is finalized a judge orders maintenance on a temporary basis. Usually, the courts order minimal maintenance for wife and children. However, on the request of the wife, the judge can use his discretionary power and order greater amount. Generally the courts award up to 30% of the fathers income. Child support includes food, education, extra-curricular activities, medical expenses. The objective of this child care is to minimize the disruption in the child’s life. A father must support his children and provide a standard of living similar to what he experienced during the marriage.

Who gets the custody of children?

Child Custody under the Islamic Law indicates that parents do not share equal parental responsibility for their children but provides for different role of father and the mother. The mother has a role of a custodian (Hadana) who takes care of the child, responsible for day to day needs as well as physical aspect of the child. The father on the other side has a role of the guardian or the wilaya. Guardians are considered providers of the financial and substantial needs of the child. Incase of termination of marriage, when deciding on custody the concern of the judge is the best interests of the child. This is as per Article 144-145 of the Personal Status Law. Article 155 says that the judge should choose the most suitable custodian for the child. And custody awarded to a woman ends when a male child reaches 11 years of age and female child 13 years of age and goes to the father since he is financially responsible for his children. If a father does not request custody of the child within six months after the child has reached legal age (11 for boy and 13 for girl) he waives his right.

What are the Visitation rights?

According to Article 154 of the Personal Status Law, only parents have visitation rights. However in case a parent is deceased or absent, visitation rights will be given to first line relatives. Also access to the children for the non-custodian parent is guaranteed under the Personal States Law. The mother cannot relocate the child if it causes hardships to the father for visiting the child, hence the visitation rights of the father are protected.

To conclude UAE has emerged as the most tolerant State in the past few years welcoming people of different faiths and nationalities without any bias and gives many options to the expatriates for marriage based on their religion and nationality.

For further questions and in-depth discussion about your legal needs, please feel free to Contact Us at your most convenient time.








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Artificial Intelligence (AI) | Financial Technology (FinTech) – An Advantage In Business

FinTech in the United Arab Emirates

Technology has made tremendous strides in recent years, particularly with the advent of “artificial intelligence” (AI), which enabled machines to mimic and outperform human abilities. As a result, there has been a notable rise in the use of technology in the services that companies offer to their clients. Any and all technologies that automate financial trading for the advantage of companies and customers are referred to as “Fintech” or “financial technology” and aim to displace more conventional forms of finance. It encompasses everything, from a straightforward smartphone app used for online payments to anything complicated, like blockchain technology, where all transactions are completely protected. This technology makes judgments automatically using robotic process automation (RPA) and algorithms. artificial intelligence and other scientific technology such as artificial intelligence (AI) and machine learning (ML), which use iterative processing and allow the software to learn from repeated patterns in the data, is used to arrive at a decision. This would include online trading platforms, robo-advisers, crowdfunding platforms, online banking of any kind, cryptocurrency, and insurance advice using technology.

What Does FinTech Offer In The UAE?

With the launch of “Fin Tech Strategy 2021” in 2016 and the UAE Vision 2022, which aims to transform the country into a leader in fintech, more than 134 fintech companies are offering their services in the UAE right now.

BNPL (Buy Now, Pay Later)

Founded by Tariq Sheikh and Dani Molina, BNPL, or buy now and pay later, has become the latest retail trend amongst the millennial and Gen Z generations. Customers can use this service to buy items online and pay for them in equal installments later. In some cases, the website allows the customers to simply checkout and pay later, and in other cases, the customer has to pay a certain amount before checking out. This makes payment easy, as it allows the customers to split their bills and pay in installments with zero interest. As of now, there are no clear guidelines for the regulation of BNPL in Dubai. But since it is a sort of credit, it can be assumed that it is covered under the existing credit laws.

Digital Wallets (E-Wallets)

It is a contactless mobile payment, representing a shift from the traditional use of credit cards and debit cards at the time of payment. The details of the customer are stored in the e-wallet, so one does not need to physically carry any cards with them. This is also a safe option since it cannot be lost or stolen by chance. Since COVID 19 acted as a catalyst for contactless payment, more than half of Dubai residents now use e-wallets.


It is an alternative finance method that allows a person to fund a project and raise small amounts of capital from a large group of people through an online licensed platform. This is the best option for small and medium businesses, which are in dire need of funds in order to support their ideas and innovations and help them grow into businesses. This is legal now in the UAE, as the UAE Cabinet, in March 2022, approved private and public funding to finance new projects. DubaiNEXT, for example, is a government-backed digital crowdfunding platform that provides innovators with a platform to raise money, and the campaigner in this case will get full ownership of his project.


Crypto is a digital currency in encrypted form created using encryption algorithms that is monitored and organized by a peer-to-peer network called the blockchain, which acts like a ledger of transactions. Unlike the normal currency, which is controlled by a central bank, cryptographic trading usually remains anonymous and is not regulated by any monetary authority. Bitcoin remains one of the most popular cryptocurrencies, for which the blockchain technology was basically created. The UAE Central Bank does not recognize cryptocurrency as legal tender, but it is not illegal in the UAE. For the purpose of regulation and licensing in the Emirate, Law No. 4 on Regulation of Virtual Assets (VAL), also known as the Virtual Assets Law, was passed.

Blockchain Technology

Blockchain is a shared real-time ledger for recording the history of transactions, contracts, and physical assets. It is not one person but a chain, and everyone in the chain can see the details of each record, known as the block. And every block is encrypted and stamped; only the person who owns it can edit it. Owners gain access to their block through a private key that only they possess. If changes are made in one block, everyone’s blockchain is updated and synced in real time. Transactions processed over the blockchain can be done within seconds. It can also protect copyrights and royalties and people’s digital identities. The government of the UAE has adopted blockchain technology for conducting its transactions. Up to 50% of the government transactions so far are done by this method. For this purpose, the UAE Blockchain Strategy 2021 has been adopted by the government.


Metaverse became a household name after Facebook changed its name to “Meta” in October 2021. It is a virtual reality space where users can interact with a computer-based environment from the comfort of their homes in the physical world. People in the metaverse use avatars to represent themselves and communicate. It is often said that the metaverse has made human life immortal. The Dubai Metaverse Strategy aims to turn Dubai into one of the top metaverse economies in the world. For this purpose, it seeks to enhance the metaverse’s economic contributions, promote advanced ecosystems, and provide support for metaverse education. The main focus of the Dubai metaverse is on four sectors: tourism, education, government services, a virtual reality space where users can interact with a computer-based environment from the comfort of their homes in the physical world. People in the metaverse use avatars to represent themselves and communicate. It is often said that the metaverse has made human life immortal. The Dubai Metaverse Strategy aims to turn Dubai into one of the top metaverse economies in the world. For this purpose, it seeks to enhance the metaverse’s economic contributions, promote advanced ecosystems, and provide support for metaverse education. The main focus of the Dubai metaverse is on four sectors: tourism, education, government services, retail, and real estate. One of the recent examples is the Etisalat store in the Dubai Mall, where the customers would be able to access the services while sitting at home and wouldn’t need to beat the traffic to get there. A virtual space that cannot be physically accessed yet attracts people to invest in it needs proper regulations. For this purpose, the Virtual Assets Regulatory Authority (VARA) has become the first regulator aiming to provide a framework for the financial entities operating within the metaverse.

Robo Advisers

Robo Advisers is an artificial intelligence-driven financial advisor who, by analyzing the profile of the client, delivers solutions and suggests changes and amendments to the existing profile. Robo advisers make investments simple yet affordable for clients. CBD Investr, a robo-advisor, has been set up by the Commercial Bank of Dubai. They enable investors to create globally diverse portfolios. This is certainly the future of wealth management.


To encourage innovation, especially in the financial sector, the “sandbox” concept allows innovators to have pilot licenses to test their products under lenient regulatory requirements. The ADGM Reg Lab introduced by FSRA provides a controlled environment for fintech participation. The Central Bank of the UAE has deployed its regulatory sandbox as one of its initiatives in the insurance sector.

FinTech Hive at DIFC

The DIFC has provided FinTech companies with a platform to bring financial and technology firms together. Firms all over the world can test, develop, and adapt their products and solutions to meet the financial and technological needs of their respective regions. It conducted its first inaugural accelerator program in 2017, and ever since then, two more successful events have taken place.

How is this fintech regulated in the UAE?

When you have a technology tsunami all over the place, it is pertinent to have checks in place to regulate and provide a proper framework within which the system must offer services to its potential customers and make it safer for the customers who are otherwise going to be the victims of such fraud and scams if it remains unregulated.

UAE Onshore

Fintech and its services are regulated by the Central Bank of the UAE with respect to banking, finance, and payment services. The Securities and Commodities Authority (SCA) regulates markets, listed companies, and securities brokers, while the Insurance Authority regulates insurance activities.

Large Value Payment System Regulation

In order to check high-priority funds transfers on behalf of the customers, the Central Bank Circular No. 9/2020 on the Large Value Payment System Regulation provides for a financial structure that supports the financial and wholesale activities. It covers the licensing requirement in relation to the LVPs. Also, it applies to those that operate in the UAE and LVPs that accept the settlement in AED both inside and outside the UAE. LVPs require a license from the Central Bank of the UAE and must comply with the Principles of Financial Market Infrastructure (PFMI).

Stored Value Facilities Regulation

Stored-Value Facilities are those where the customer pays in advance so that he can later use that payment method for any goods or services.The Stored Value Facilities Regulation was issued in September 2020, which replaced the regulatory framework for stored value and electronic payment systems and made the law more stringent.

Regulation of Security Tokens

The regulation provides for a regulatory framework for tokenization, listing, and trading of fund interests issued by a fund from the DIFC.

Regulation of cryptocurrency

For the purpose of regulating crypto currency, SCA Decision No. 23 of 2020 provides for Crypto Assets Activities Regulation (CAAR) to regulate and license key aspects of dealing in crypto assets. Two requirements have been provided for providing cryptographic services: First, the service provider must be incorporated onshore within the UAE or any of the UAE’s financial free zones. Second, he must be licensed by the SCA.

Electronic Payment Regulation 2017

This is issued by the Central Bank of the UAE and mandates that entities seeking to provide electronic payments obtain a license before dealing with payments. Two categories of payment service providers that must obtain the requisite license are those providing payment service providers (PSP) and payment system operators (PSO).


The Dubai Financial Service Authority has not come up with any laws or regulations around crypto assets. However, the Financial Service Authority has come up with the Regulation of Digital Security Offerings and Crypto Assets 2019 to regulate cryptocurrencies.

Finally, FinTech services are making financial services more transparent, invisible, and extremely affordable. Fintech companies, however, must have a license and local presence so as to reach customers. So, this poses a serious challenge for those companies that wish to target UAE residents from outside of the UAE. Also, upgrades and evolution in the law are taking place at such a pace that companies will have to watch out for any developments and change their rules as per the new legislation.

Contact us to for more in-depth discussion about your legal concerns with Cryptocurrency.







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UAE Green Residence Visa – 5-Year UAE Residence Program Launched

5-Year Residence Program Has Been Launched for UAE Green Residence Visas

An Overview – UAE Green Residence Visa

To encourage talents, skilled workers, freelancers, investors, and entrepreneurs, the UAE has introduced a new 5-year residence program. Once a residence permit is canceled or expires, the system offers extended flexible grace periods of up to six months to remain in the country.

The United Arab Emirates has formalized a policy meant to give expatriates a bigger economic role in the nation by implementing legislation on foreign entrance and residence. The new entrance and residence system aims to strengthen the competitiveness and flexibility of the labor market, attract and keep qualified workers from all over the world, and foster a strong sense of stability among UAE nationals and their families.

The change is expected to draw a lot of new entrepreneurs and more employees with a variety of skill sets. It would increase the UAE’s talent pool and support the growth of several companies, in line with the Great Rulers’ objective of making the UAE a well-liked tourism destination across the world.

Capable employees can take advantage of this scheme to get a five-year residency without the involvement of a sponsor or employer. The permit is also called a “Green Residence Visa.” Our general practice lawyers will be glad to assist if you have questions.

How Does the Green Residence Visa Operate?

For those who cannot apply for residency through the typical employer or sponsor procedure, the five-year UAE Green Residence Visa is an exciting new option, as it was developed to bring competent professionals, entrepreneurs, investors, and freelancers.

Income and expertise will determine eligibility, but skilled independent contractors and entrepreneurs are likely to find this to be an interesting visa option.

Holders of these green visas will be able to extend their permissions to family members for a period of five years and maintain their residency status for a period of six months following the cancellation or expiration of their visa.

What Is The Difference Between A Work Permit And A Green Card?

Most of the time, employees who want to work in the UAE need to obtain a visa that is tied to their employer. This is known as an employment visa. Despite being the most popular, it poses issues for employees because it takes longer for them to find long-term accommodation.

Under the Green Visa scheme, foreign nationals will be able to remain in the country and find employment without a sponsoring company.

What Advantages Are There To Obtaining A Green Visa From The UAE?

Thanks to this new documentation, people from all walks of life may now live and work in the UAE. However, it also offers a few additional advantages, such as the following:

  • People will be self-sufficient without needing a sponsor
  • Up to the age of 25, holders may sponsor their parents and minor children.
  • There is a 180-day grace period provided, so workers have more chances of getting a new job in case their present contract is terminated. They are able to remain in the country and hunt for other employment opportunities without the need for a sponsor.

For What Reason Did The UAE Government Issue This Green Visa?

The new visa program was implemented for the reasons listed below, among others:

  • Bring in brilliant graduates and professional students as well as highly capable professionals.
  • Restore tourism to the UAE and lessen the country’s reliance on oil.
  • Expand the nation’s growth and the economy in a number of ways.

Freelancers are Eligible for a Green Card

  • Under this strategy, workers are encouraged to work in a variety of ways. A sponsor or employer is not necessary for the five-year residence for independent contractors and persons who work for themselves.
  • The applicant would require an approval from the Ministry of Human Resources and Emiratization to work independently.
  • A bachelor’s degree or professional certification should be used as proof. At least AED360,000 was earned through self-employment during the past two years.
  • As an alternative, the applicant might provide evidence of their financial security while living abroad.

Entrepreneurs And Investors Will Receive A Five-Year Residence Permit

  • This residence scheme was built to draw in revenue. Investors who are establishing or operating an enterprise are granted a five-year residence. This  takes the place of the earlier residence, which was only good for two years.
  • Investment authorisation and investment paperwork (evidence) are the two prerequisites.
  • If the investor (partner) has many licenses, the overall investment amount is calculated.
  • It is necessary to have the appropriate local authorities’ approval.

Skilled Workers

  • Through this scheme, qualified workers can get a 5-year residency without a sponsor or employer.
  • Candidates must be classified at the minimum level and have a current job contract, according to the Ministry of Human Resources and Emiratization.
  • Skilled Employee Level 1, 2
  • It is necessary to have a bachelor’s degree or its equivalent, and the pay should be at least Dh15,000 a month.
Family Members Will Now Enjoy More Benefits Permits to remain in the country for a longer duration.

Unmarried sons could have previously been sponsored for up to 18 years, but under the new rule, they can now be given residence permits for up to 25 years. Sponsorship for single women is not time-limited, though.

Children who show perseverance, regardless of their age, are awarded a residence visa.

The residency of family members has the same validity as the primary resident visa holder in all circumstances. Green Residence holders are allowed to provide residence permits to their first-degree relatives.

If you have any questions concerning this visa program for expats in the UAE, don’t be hesitant to speak to expert Dubai lawyers.





child with parents photo

Child Custody In UAE

What Not to Do In A Child Custody Dispute

The physical custody and legal placement of children will be decided by local Sharia courts if you are currently requesting a divorce in the United Arab Emirates and you have children. There are two main crucial legal choices that must be made in child custody disputes in the UAE. While physical placement will define how parents divide time with their children, legal custody will decide who makes the majority of decisions for the kids. Children of UAE citizens who are present in the nation may spend some time with you as their parent.

In a divorce case, a court will consider a number of factors for UAE nationals and residents alike. In addition to making sure Sharia law is followed when suitable, a judge will make decisions based on what is best for the children. Here are the main things to stay away from in order to convince a judge that you deserve physical placement and child custody in the UAE:

Avoid Any Physical Altercation

When it comes to the kids and your soon-to-be ex-spouse, this is especially true. In addition to losing the kids’ placement and custody in the UAE, physical altercations can lead to criminal accusations for child abuse or physical assault. This would most certainly lead to an injunction. As much as you can, try to stay out of verbal fights with both of your families. You won’t be able to share custody and raise kids together if a judge has issued you a restraining order.

Never misuse your spouse’s belongings

What you want to do is prevent hurting any of your spouse’s property as you lose your temper, just like when you fight or argue. This includes his or her residence, vehicle, and other property. Additionally, even if you have previously paid in full for joint property, take care not to harm it. Your ex-spouse or soon-to-be ex-partner will be regarded as a co-owner of anything you bought while you were married. This means that until legal proceedings are over, you shouldn’t harm, sell, or destroy anything.

Don’t be critical of your spouse

Anything you say when discussing your case with your divorce lawyer in Dubai, UAE, as well as with your family and friends, could be used against you in court. There is always a possibility for something to leak out, even when the other person did not intend to repeat what you said. It’s also likely that the people you’ve spoken to—like family members, friends, and other close associates—will be asked to provide an oath-recorded testimony or deposition. While engaged in a child custody dispute, it is preferable to keep your own negative sentiments to yourself. Never publish criticism online either. Always anticipate that anything you say, do, or post online or on social media will be seen by everyone. Without a doubt, the information could be used against you.

Avoid separating children from their normal routine

The effects of divorce are extremely damaging to children. They were forced to abruptly change their routine after becoming accustomed to doing so. Even when you don’t feel like it, try your best to maintain their routine as normal. Do your best to keep them informed about their schoolwork and any extracurricular activities or sports they may love. Although there is a chance that this won’t work, you should still give it a shot. Additionally, if the other parent does not provide approval, it is crucial that you refrain from scheduling anything while the children are with them. While maintaining as much normalcy as you can, be careful to avoid creating problems or taking actions that will hinder your ability to co-parent successfully.

Keep your new partner away from the children

You could believe you should start dating again after you’ve acquired a divorce in the UAE with the guidance of a qualified divorce lawyer in Dubai. Another reason why your marriage may have ended is because you or your ex-spouse found someone else. Keep the kids away from the person you are dating while your divorce is underway and even after it has been finalized. The kids will find it to be very perplexing. When your ex or your children don’t like your new partner, it can also lead to additional tension. Additionally, keep in mind that adultery is a serious crime in the UAE and can significantly harm your hopes of obtaining custody of your children.

Please feel free Contact Us if you need assistance regarding this legal matter.





Debt Collection - Al Reyami Advocates Legal Services

Debt Collection In Dubai UAE 2021

Debt Recovery And Collection In The UAE (No Win, No Fee – Out Of Court)

The United Arab Emirates is a country of amazing opportunities, which consists of approximately of 90% of expats who came to work, live and study in this country, raise and educate their children here, and who are very pleased with their choice thanks to the state policy aimed at harmonious, sustainable development and ensuring security of all who came to the UAE.

However, due to natural circumstances, such as Covid-19 for example, or deliberate illegal actions, organizations and individuals have to face a situation where they cannot receive the money promised to them under the contract or due to them.

Inevitably, they have to face an unpleasant and difficult situation of debt collection, look for ways to get the funds that they owe, as well as compensation and losses that they have suffered because of the delay of promised payments.  This is where our team of legal consultants in Dubai can definitely assist.

Clients of our law firm Hassan Al Reyami & Muhyealdeen International Legal Consultants often turn to us for help in debt collection and over many years of successful work in this area, our team of debt recovery lawyers and experts have been able to accumulate a lot of positive experience in resolving these issues.

Debt Recovery Process

Let’s take a look at the basic stages of debt collection that you have to go through to get a debt, sometimes you have to go through all of them, sometimes we manage to solve the issue at the first stage of collection, depending on the documents provided and the debtor’s ability to pay. They are pretty clear and strong:

  1. Drafting Legal Notice
  2. Mediation
  3. Litigation
  4. Enforcement

In addition, a final stage is – Settlement agreement, which can take place at each stage of debt collection.

Why do I need debt collection lawyers?

In our law practice, we faced with a variety of cases of non-repayment of debt due to different reasons and circumstances, and often the malicious intent of the debtor. The most common situations of non-repayment of debt includes the following:

  • Unpaid Cheques
  • Bounced Cheques
  • Unpaid Invoices
  • Unpaid Salaries
  • Unpaid Loans
  • Unpaid Service Benefits
  • Bad Debts
  • Delinquent Account Receivables
  • Commercial Debts
  • Insurance claims
  • And a lot more

At the first stage, we try to resolve the issue through mediation with the debtor, through negotiations, submission of documents justifying the debt, explaining to the debtor the consequences that non-payment of the debt can lead to, but we also do not forget that our collection case may end up in court, and therefore, we must issue a legal notice to the debtor with an indication of the amount, legal basis and the timing of debt repayment. We also have to take into consideration limitation of time to have a chance to claim the debt.

Quite often in our legal practice, but unfortunately not always, the mediation process leads to resolving the issue of collection in favor of our client.

The best outcome of mediation and negotiations with the debtor on debt collection is the signing of a settlement agreement with him on the repayment of the debt and the release of the relevant documents and the failure to proceed with the process in court proceedings, in which our law firm has accumulated extensive experience, having signed many amicable and settlement agreements and collected debts out of court to deep satisfaction of our customers.

If it is impossible to resolve the issue by an amicable agreement, the client is forced to go to court to resolve the issue of debt collection. Over the years of its more than twenty years of legal practice, Hassan Al Reyami & Muhyealdeen International Legal Consultants has accumulated vast experience in debt collection in the courts and arbitration of the United Arab Emirates.

Our Dubai lawyers had litigated in over 160 international and over 200 local arbitrations and court cases with an outstanding client satisfaction rating of 98% and completed over 5000 court case and arbitrations in total with high success rate. We have accreditation in all the courts in the United Arab Emirates and have local advocates in our team, which can present our clients before local courts.

A debt collection case won in the court is not a guarantee that you will receive your debt. A very important and difficult stage is the collection process, which includes investigating the property, accounts and assets of the debtor. Therefore, in the process of debt collection, it is necessary to legally competently provide that the debtor could not withdraw or hide his assets, thereby depriving you of the possibility of collection.

Why we recommend contacting debt collection specialists

The main reason for the failure of the collection of the tax is that the client is often not familiar with the laws of the UAE or does not understand them well, cannot properly draw up his claim, is in a stressful state, has chosen the wrong strategy for collecting a debt, and sometimes he simply cannot agree or talk in the same language as the debtor or his lawyers. For the creditors is also very important to come into contact with debtors as soon as possible, because he can have another creditors and because of that, there could be a lag behind other creditors demanding payments.

Regardless of the complexity of your debt collection case, Hassan Al Reyami & Muhyealdeen International Legal Consultants can assist you in debt collection in United Arab Emirates, and our legal practice covers all seven Emirates in United Arab Emirates. No win – no fee (out of court settlement), this is the guarantee of our work for you.




One Day Court


Type of Cases Handled in “ONE DAY COURT MISDEMEANOR” in Dubai UAE

Being well-known as one of the most dynamic and fastest growing city in the world, Dubai has launched its initiative.

In a meeting held on the 7th March 2017 at the Dubai Executive Council head office, located in Emirates Tower, the Penal Order Law No 1 of 2017, also known as the ‘One Day Misdemeanor Court’ was finally approved by His Highness Shaikh Mohammed Bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai.

Following the said approval, the initiative was instantaneously executed in all police stations in Dubai on the 8th March 2017.

While there are many perceptions about this project, Shaikh Mohammed Bin Rashid Al Maktoum underlined that this guarantees people the right to fair trials and justice in a timely manner without compromising the veracity of law. To come up with a highly efficient and fast service from the long and difficult process is what ‘One Day Misdemeanor Court’ eyes on achieving.

Shaikh Mohammad also highlighted that with the judicial system UAE holds, justice, being at the heart of every society is being given equally to both individuals and organizations.

The whole process of Court proceedings such as investigation and prosecution will be shortened by 60% of the current estimated turn-around time; hence, a conclusion will be carried out faster than expected – in less than 24 hours, saving the government around 40 million dirhams in a year.

In total, 21 types of cases are included in this 24-hour system.  All of which will be heard in the Police Station with the prosecution and court on site. This strategy lets the Public Prosecution to immediately cope with the other certain cases, without referring them to the court through a penal order; hence making the whole process efficient and effective.

Some of the cases are as follows: 1. Illegal entry into the country, Returning after deportation, and Staying in the country illegally to be handled by the General Directorate of Residency; 2. Possession of alcoholic beverages, Consuming alcoholic beverages, and Giving a cheque with malicious intent to be handled by the Police Station; and 3. Involvement in an accident that injured someone, Wrecking properties, and Drinking and driving to be handled by the Traffic Prosecution.

Meanwhile, the Traffic Department, together with the Residency and Foreign Affairs, has primarily tested this “One Day Court Misdemeanor” in 2015.

Dr. Naser Muhyealdeen, Partner and Senior Lawyer of Hassan Al Reyami Advocates and Muhyealdeen International Legal Consultants has warmly expressed his support in this most recent initiative.

In Dubai, being successful and flourishing when it comes to business, time is indeed an essential element, Muhyealdeen added.

For Free Legal Consultation, Call Us Today!



time-bars uae law

Time-bars On Claims And Causes Of Action Under UAE Law

What Are Time-bars On Claims And Causes Of Action In UAE Law

Time-bars, time-limits, prescription or in other jurisdictions, the statute of limitations, are legal time restrictions used to deter the enforcement of claims.

In the United Arab Emirates and similarly to other countries, these time limits are not provided in one specific statutory reference, nevertheless and generally speaking, civil claims have a 15 year prescription period from the time of its existence, except those that have shorter or longer time limits set by particular legislation.

The following are some of the prescriptive periods provided under various legislation in the United Arab Emirates:

  1. A civil claim or a right bring suit against a party shall not be admissible after the lapse of 15 years without legal excuse;
  2. After the lapse of 15 years, a claim for recovery of revenue against a holder in bad faith may not be heard without legal excuse;
  3. Claim for remuneration for work performed or expenses incurred in connection with the profession of physicians, pharmacists, lawyers, engineers, experts, professors, teachers, and brokers may lapse after 5 years without legal excuse;
  4. Unpaid taxes and fees are not recoverable after 5 years subject to the provision of special laws;
  5. After 2 years, the rights of merchant or manufacturer to recover payment for items they supplied shall lapse, as well as the right of hotel and restaurant owners against their clients in relation to the costs of accommodation and food. Workers servant and wage earners shall also have a 2-year prescriptive period to collect unpaid wages and costs of supplies provided to them;
  6. As to construction disputes, the employer has right to claim against the contractor or consultant within 10 years from the delivery of work, however, the case must be brought to court within 3 years after the discovery of the defect.
  7. For obligations arising out or in connection with commercial activities between traders, the time-bar is 10 years;
  8. The liability arising from a harmful act or a tortious act must be brought to court within 3 years. The harmful act may be from an overt action or omission in violation of a law or contract.
  9. The claim against air carrier and its related entities must be made within 2 years following the arrival of the plane, or the date the plane supposed to arrive or the day the carriage service was stopped.
  10. The UAE Marine Code also provided specific time limits for action relevant to the carriage and marine services; 1 year for charter party claims; 2 years for pilotage and towage claims; 2 years in marine collision claims; and 2 years for marine insurance claims.

There are other specific time-bars in other laws in the UAE and in each Emirates but the list above are the ones that are prevailing in the current time.

Take note however that time bars do not extinguish the liability or the claim but merely impedes a person from enforcing the same.

cyber bullying insulting law in dubai uae

Cyberbullying, Insulting, Hurtful Social Media Comments Is A Crime In Dubai UAE

Cyberbullying In Social Media Is A Crime In Dubai UAE

Under several UAE statutes, insulting someone, making fun of anyone or commenting hurtful things against somebody in social media is a crime in Dubai UAE that comes with a severe penalty.

As per UAE Federal Law No. 3 of 1987 (Penal Code) and Federal Law No. 5 of 2012 (Cyber Crimes Law) a person found to be liable of defaming another using social media, short messaging services or internet messaging applications may be imprisoned for a period up to two (2) years and can be meted with a fine of up to Three Million Dirhams depending on the gravity of the offense and the aggravating actions made in connection with the crime.

Aside from facing criminal persecution, a person may also be liable for damages especially if the recipient of the damaging comments or insult is a member of good standing in the community and such comments offended one’s reputation and social standing.

In one case, a tenant made some harmful and discriminatory comments against a landlord using the online messaging application WhatsApp, following an argument over the terms and conditions of the leased property. The landlord suffered severe anxiety and sleepless nights because of the comments and his reputation was also put in jeopardy because the message was sent to a third party.

After reviewing the incident, it was adjudged that the tenant is guilty of defamation under the Penal Code in relation to Cyber Crime Law. The tenant was found liable for damages for his discriminatory and insulting statements.

If you ever received similar comments or utterance resembling a crime under the aforementioned statutes, you may contact Al Reyami Advocates and Muhyealdeen International Legal Consultants and we will help you get the justice which you deserve.

extradition request

Extradition request in the UAE

Extradition request in the UAE | How to do the legal process

1- The law governing the extradition process is under Federal law No. 39 (2006) which is about International Judicial Cooperation in Criminal matters
2- Anyone residing in UAE can make an extradition request against the accused or the person who has committed a crime.
3- To process the request of extradition, a treaty has to be signed between UAE and the country of extradition and the provisions of such treaties may include additional requirements
4- For the extradition to be considered in the UAE, the offence should also be considered a crime in the country of the accused.
5- If the offence of the accused relates to execution of custody, then the custody should be no less than six months for extradition
6- Interpol is the body through which a request can be made against the accused.
7- The severity of the crime will decide the type of notice to be issued. For serious offences and crime the red notice is given to the accused.
8- Notices issued by Interpol are official and has an international effect and the accused can be held under custody.
9- If the crime in the UAE is under a different name, description or has other components then the extradition country, it will not be considered the same