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How Can I Settle My Debts in Dubai?

“Dear Jon,

I had lost my job in dubai, and now wanted to back to dubai, but I cannot as I had debts in dubai banks

i used to live and work in dubai. In 2009 after the market crashed, i had lost my job and had to come back to india. In dubai i had credit cards from different banks. Few cards i had used in dubai and after coming back to india my financial situation was not good. So i had used few cards in India as well. Now the dubai banks ha transferred my case to the collection agency in india. They are calling me regularly for the settlement of the credit cards and threating me everytime that they will forwarding my name to Interpol.

The total amount including the principal & interest & other charges has reached upto 1,00,000 dhs. Now I am ready to settle the credit cards & make the payment as I want to go back to Dubai. But I do not know that on what amount should I get the setlement done. In total they are asking me to pay 50,000 dhs. I am unable to pay this amount as my monthly income is very low due to which i can’t pay this amount. I am asking them to give some more discount and maximum I can pay 20,000 dhs. They are not agreeing to that. So, please tell me what should I can do and also from where I can check that whether my name is in Dubai Police wanted list or not?”

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The Answer


Unfortunately if your creditors/the banks, are unwilling to settle the debts for what you can afford, you have little recourse. And a settlement of half, 50,000 on owing 1,000,000, is actually a good offer.

Your options are to do nothing, which isn’t good in the long run, make what payments you can, or try to get assistance from family and pay the amounts they are asking.

Do you have the 20K in hand to pay them?

You can inquire with your local police as to if any warrants are outstanding for you, and you can also inquire with the police in Dubai. If there is a warrant outstanding, short of leaving the country or paying the debts, there is little you can do and you may wish to seek legal advice as well.


How Can I Settle My Debts in Dubai?Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

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  • ahmedelsayed

    how can i check if my name is in the wanted list in dubai airport….is there a website or something??…i’m heading there in 2 weeks and i dont want to be held for a credit card or a utility bill issue….please help.

  • Annamae_fabregas

    hi..I’m anna i worked in dubai from 2004-2008 and i do have creditcard from mashreq i just used 3,000dhs. in my card and i paid for my 1st billing statement before i left dubai because of some unexpected matter that happened in my grandfather. And now i want to go back in dubai for work. That is the only debt that i had in UAE. How will i know if im banned in dubai? I really want to go back and work again after that i can go back in mashreq to ask and to pay my debt. Thank You.

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