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Debt Claim Letter

Debt Claim Letter Template for United Arab Emirates

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Key Requirements PROMPT example:

Debt Claim Letter

"I need a Debt Claim Letter for my construction company to recover AED 250,000 from a commercial client who has missed three consecutive payments, with the final payment deadline set for March 15, 2025."

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Document background
The Debt Claim Letter is a crucial document in the UAE's debt recovery process, serving as a formal demand for payment and often a prerequisite before initiating legal proceedings. It is used when informal attempts to collect payment have been unsuccessful and the creditor needs to escalate the matter. The document must comply with UAE Federal Law No. 5 of 1985 (Civil Code) and UAE Federal Law No. 18 of 1993 (Commercial Transactions Law), among other relevant regulations. The letter should clearly state the amount owed, the basis of the debt, payment terms, and potential consequences of non-payment. It's particularly important in the UAE jurisdiction where formal documentation and proper notice are essential elements of the legal process. The document can be used for both commercial and civil debts, and its content may vary depending on whether it's being sent to an individual or a corporate entity.
Suggested Sections

1. Sender's Details: Full legal name, address, and contact information of the creditor

2. Date: Current date of the letter in the format commonly used in UAE legal documents

3. Recipient's Details: Full legal name and address of the debtor, including any reference numbers

4. Subject Line: Clear indication that this is a formal debt claim letter with reference numbers

5. Debt Details: Precise amount owed, origin of the debt, date(s) when debt was incurred

6. Payment History: Summary of any previous payments made and current outstanding balance

7. Legal Basis: Reference to relevant contract or basis of the debt claim

8. Payment Demand: Clear statement of the amount demanded and payment deadline

9. Payment Instructions: Detailed banking or payment information for settlement

10. Legal Consequences: Statement of potential legal action if payment is not received

11. Closing: Formal closing with signature block and creditor's details

Optional Sections

1. Previous Correspondence: Reference to prior communication attempts when multiple reminders have been sent

2. Interest Calculation: Include when claiming interest on the outstanding amount as per agreement or UAE law

3. Settlement Options: Include when willing to offer payment plans or settlement options

4. Power of Attorney Reference: Include when the letter is being sent by a legal representative

5. Without Prejudice: Include when offering settlement terms that shouldn't affect legal rights

Suggested Schedules

1. Statement of Account: Detailed breakdown of the debt, including dates, amounts, and any interest calculations

2. Copy of Original Agreement: Copy of the contract or agreement that gave rise to the debt

3. Payment History Record: Detailed record of all payments made and missed payments

4. Supporting Documents: Relevant invoices, delivery notes, or other documents proving the debt

5. Previous Correspondence Log: Copies of previous demand letters or relevant correspondence

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

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alex.den.21@genieai.co
Relevant Industries

Banking and Financial Services

Real Estate

Construction

Retail and Commerce

Manufacturing

Professional Services

Healthcare

Education

Telecommunications

Logistics and Transportation

Energy and Utilities

Technology and Software

Hospitality and Tourism

Relevant Teams

Legal

Finance

Accounts Receivable

Treasury

Credit Control

Risk Management

Corporate Affairs

Operations

Commercial

Compliance

Administrative

Relevant Roles

Finance Manager

Credit Controller

Accounts Receivable Specialist

Legal Counsel

Debt Collection Officer

Chief Financial Officer

Treasury Manager

Credit Risk Manager

Corporate Lawyer

Financial Controller

Accounts Manager

Recovery Specialist

Commercial Manager

Business Development Manager

Company Secretary

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Governs civil transactions, including the basic principles of obligations, debts, and contractual relationships between parties
UAE Federal Law No. 18 of 1993 (Commercial Transactions Law): Regulates commercial transactions and commercial papers, including provisions specific to commercial debts and payment obligations
UAE Federal Law No. 11 of 1992 (Civil Procedure Law): Sets out the procedures for filing claims in UAE courts and the enforcement of judgments, relevant if the debt claim leads to legal proceedings
UAE Central Bank Circular No. 8/2020: Provides guidelines on debt collection practices and acceptable conduct in pursuing debt claims
UAE Federal Law No. 14 of 2018 (UAE Central Bank Law): Regulates banking activities and financial claims, including provisions related to debt collection and financial obligations
UAE Federal Law No. 19 of 2019 (Insolvency Law): Must be considered in cases where the debtor might be insolvent or facing financial difficulties
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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