I moved here end of 2008 and stopped making payments to my loan and credit card. Did not hear from them at all until now, almost 4 years later. They have sent a final notice email and contacted a family member in Redondo Beach threatening INTERPOL action. I didn't think they had jurisdiction in the US to criminalize me, though I understood that I could never go back to the UAE. What can I do if I cannot pay back? Is it better to ignore any calls and deny my identity or should I hire a lawyer, and if so, what kind? And when does their right to pursue me expire?
Debt Collection Attorney
They will have a difficult time suing you in California. First of all, non payment of a debt is a civil matter, not a criminal matter. Secondly, if the creditor is a business entity, it must be licensed and registered with the California Secretary of State in order to file a lawsuit in the courts of California. Third, if they sue you here, you can make a motion requiring them to post a bond under CCP 1030 to cover your court costs. Fourth, if they sue you here, you can counter sue them for violation of the Fair Debt Collection Practices Act by threatening criminal prosecution. Fifth, if they sue here, they will need to bring witnesses from Dubai or wherever.
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This is a question for a lawyer in Dubai. An American lawyer is not familiar likely with Dubai laws of collection and enforcement unless he or she is an international lawyer. Further I believe that there are serious ramifications of owing money in Dubai from one article I read about a Ferrari Enzo left there in the desert because of a debt owed and it sat in the desert and deteriorated because of the rich guy had to leave the country because he owed a debt. You can likely look up about this on the Internet.
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