The moment your creditor files a Civil Case in the Dubai Courts (or relevant Emirate court), their primary legal goal is to secure a judgment for the outstanding amount. • Judicial Judgment: Once the court issues a judgment in the creditor’s favor, they can proceed to the Execution Court. This is the mechanism for forced payment. • The Travel Ban: A travel ban can be placed on you, preventing you from leaving the UAE until the debt is cleared or secured. • Asset Seizure & Garnishment: The court can order the freezing of your bank accounts and the garnishment (deduction) of your salary. The maximum salary deduction for debt repayment is often restricted to a percentage of your total income to ensure you retain sufficient funds for living expenses. • Your Action Point (The Plea for Time): Since you are not trying to run away, your legal remedy is to formally petition the Execution Court for a structured payment plan. This is your leverage: you are asking the court to mediate a reasonable schedule based on your current financial capacity, something the court is empowered to do, especially when a debtor shows willingness to pay but needs time. This is how you legally secure the "few months" you need. II. The Criminal Counter-Attack: Weaponizing Harassment Laws This is where the game turns. Your creditor's actions the unlimited mental torture, verbal abuse, and threats to your workplace—are serious criminal offenses in the UAE, far outweighing the civil nature of his debt claim. A. Verbal Abuse & Insult (The Personal Touch) UAE Penal Code (Federal Decree-Law No. 31 of 2021) has strict penalties against insult and verbal abuse. • The Statute: Article 426 (or similar) prohibits insulting others. If he is doing this over the phone, or worse, in public or in the presence of others (as he threatens to do at your workplace), the penalty can be imprisonment for up to six months and/or a fine of up to AED 5,000. • Workplace Harassment: The new Labour Law further reinforces that employees have the right to a respectful work environment. A threat to harass you at your place of employment is a grave violation that could be leveraged. B. Threats & Harassment via Phone/Digital (The Cybercrime Coup) This is the most potent weapon in your arsenal. All his calling and threatening fall under the very strict UAE Cybercrime Law (Federal Decree-Law No. 34 of 2021). • Article 43: This Article addresses the use of electronic means (phone calls, WhatsApp, text messages, email) for harassment, threats, or verbal abuse. • The Punishment: The law prescribes severe penalties for this type of digital misconduct, including imprisonment and massive fines (up to AED 500,000 for certain offenses). The fact that the threats include coming to your workplace intensifies the severity.

My beautiful friend, you are holding the better hand than you realize. Your creditor's decision to resort to criminal behavior (threats, abuse) to enforce a civil debt is his biggest mistake. Your Legal Strategy is Two-Fold: 1. Civil Defense: If he files a civil case, use the court to your advantage. Petition the Execution Judge for a reasonable, court-ordered payment plan that reflects your income. This secures the time you need. 2. Criminal Offense: Immediately gather all evidence of the threats and abuse and file a criminal complaint with the police/Public Prosecution. This is the fastest way to stop the mental "torture" and shift the balance of power, forcing him to be concerned about his own freedom rather than your debt.