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Debt Collection Notice

Debt Collection Notice Template for United Arab Emirates

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Key Requirements PROMPT example:

Debt Collection Notice

"I need a Debt Collection Notice for an unpaid commercial invoice of AED 250,000 due on March 15, 2025, with a final payment deadline of April 15, 2025, to be issued to a Dubai-based trading company."

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Document background
The Debt Collection Notice is a crucial document in the UAE's debt recovery framework, used when formal demands for payment need to be made to debtors. It serves as an essential preliminary step before initiating legal proceedings in UAE courts and must comply with UAE Federal Laws, including the Civil Code and Commercial Transactions Law. The notice should be issued when informal collection attempts have been unsuccessful and the creditor wishes to escalate the matter while maintaining documentary evidence of formal demand. The document typically includes comprehensive details about the debt, payment history, calculation of interest (if applicable), and clear payment instructions, all structured to meet UAE legal requirements. It's particularly important in the UAE context where the legal system places significant emphasis on formal notices and documentation in debt recovery procedures.
Suggested Sections

1. Creditor Details: Full legal name, address, and contact information of the creditor or collecting agency

2. Debtor Details: Full legal name, address, and all known contact information of the debtor

3. Debt Information: Clear statement of the original debt amount, current amount including any interest or charges, and debt origin

4. Payment History: Brief summary of previous payments made and current outstanding balance

5. Legal Basis: Reference to relevant contract, agreement, or basis for the debt

6. Demand Statement: Clear statement of the amount demanded and deadline for payment

7. Payment Instructions: Detailed information about how and where to make the payment

8. Consequences Statement: Statement of legal actions that may be taken if payment is not received

9. Response Requirements: Instructions for how the debtor should respond or contact regarding the notice

Optional Sections

1. Previous Communications: Summary of previous collection attempts and communications - include when there has been prior correspondence

2. Dispute Resolution: Information about how to dispute the debt - include when required by local regulations or when dealing with consumer debt

3. Security Details: Information about any security or collateral held - include when the debt is secured

4. Installment Options: Proposed payment plan options - include when the creditor is willing to accept installment payments

5. Third Party Authorization: Details of authorized collection agency or legal representatives - include when collection is handled by a third party

6. Sharia Compliance Statement: Statement confirming compliance with Islamic finance principles - include when dealing with Islamic finance arrangements

Suggested Schedules

1. Schedule A - Debt Calculation: Detailed breakdown of the debt, including principal, interest, charges, and fees

2. Schedule B - Payment History: Complete record of all payments made and missed payments

3. Schedule C - Supporting Documents: Copies of relevant contracts, invoices, or other evidence of debt

4. Schedule D - Interest Calculation: Detailed calculation of interest applied to the debt

5. Appendix 1 - Communication Log: Record of all previous attempts to collect the debt

6. Appendix 2 - Legal Citations: References to relevant UAE laws and regulations supporting the collection action

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

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Banking & Financial Services

Commercial Trade

Real Estate

Construction

Manufacturing

Retail

Professional Services

Healthcare

Education

Telecommunications

Logistics & Transportation

General Commerce

Relevant Teams

Legal

Finance

Credit Control

Collections

Accounts Receivable

Risk Management

Treasury

Compliance

Business Operations

Corporate Affairs

Relevant Roles

Credit Controller

Collections Manager

Financial Manager

Legal Counsel

Accounts Receivable Manager

Risk Manager

Recovery Officer

Finance Director

Compliance Officer

Treasury Manager

Chief Financial Officer

Legal Director

Credit Risk Analyst

Collections Specialist

Debt Recovery Officer

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Governs civil transactions, contractual obligations, and the general principles of debt and liability in the UAE. Contains provisions about payment obligations, default, and remedies.
UAE Federal Law No. 18 of 1993 (Commercial Transactions Law): Regulates commercial transactions and commercial papers, including provisions specific to commercial debts, payment terms, and commercial obligations.
UAE Federal Law No. 11 of 1992 (Civil Procedure Law): Sets out the procedures for debt collection, legal notices, and enforcement of judgments in civil and commercial matters.
UAE Federal Law No. 3 of 1987 (Penal Code): Contains provisions related to bounced checks and fraud, which are relevant in debt collection cases.
Central Bank Circular No. 8/2020: Provides guidelines on debt collection practices and consumer protection in banking sector.
UAE Federal Law No. 14 of 2018 (Central Bank Law): Regulates banking activities including debt collection practices and consumer protection in financial services.
UAE Federal Law No. 19 of 2019 (Insolvency Law): Provides framework for insolvency proceedings and debt restructuring, which may affect debt collection procedures.
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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