As of my last knowledge update in January 2022, the legal landscape is subject to change, and it’s important to consult with legal professionals or refer to the latest sources for the most up-to-date information. That said, as of my last update, the debt recovery process in the United Arab Emirates (UAE) is governed by a combination of federal laws and local regulations. Here are some key points related to debt recovery in the UAE:

1. Legal Framework:
   • The UAE has a civil law legal system, and debt recovery is primarily governed by federal laws, including the UAE Civil Code and the UAE Civil Procedures Law.
2. Local Courts:
   • Debt recovery cases are typically filed in the local courts of the emirate where the debtor resides or where the debt originated.
3. Mediation and Amicable Settlement:
   • Before initiating legal proceedings, parties are often encouraged to explore amicable settlements or mediation to resolve the debt dispute.
4. Bounced Cheques:
   • The UAE has specific laws addressing bounced cheques, which is a common form of security for debts.
   • The issuance of a bounced cheque can lead to criminal penalties, including imprisonment, in addition to civil liabilities.
5. Islamic Banking Considerations:
   • In cases involving Islamic finance or banking transactions, Sharia principles may be applied, and debt recovery mechanisms may differ from conventional finance.
6. Execution of Judgments:
   • Once a court judgment is obtained, the execution process involves the enforcement of the judgment, and various measures may be taken to recover the debt.
7. Bankruptcy Law:
   • The UAE introduced a new bankruptcy law in 2016 (Federal Law No. 9 of 2016 on Bankruptcy) which provides procedures for individuals and companies facing financial difficulties.
8. Local Practices:
   • Local practices and procedures can vary between emirates, and it’s important to be familiar with the specific rules of the emirate where debt recovery is pursued.
9. Time Frame:
   • The time frame for debt recovery in the UAE can vary depending on the complexity of the case, court workload, and other factors.
10. Foreign Judgments:
    • Enforcing foreign judgments in the UAE may involve a separate legal process, and it is subject to the provisions of international treaties or reciprocal agreements.
11. Legal Representation:
    • Parties involved in debt recovery cases should seek legal representation to navigate the legal system effectively.

Given the complexity of legal matters and potential changes in laws and regulations, individuals and businesses involved in debt recovery in Dubai should consult with local legal professionals and NA-Lawyers to ensure compliance with current laws and to receive advice tailored to their specific circumstances.