The Affidavit of Indebtedness is a crucial legal document used in the United Arab Emirates when formal acknowledgment of debt is required. It serves as a powerful tool in debt recovery and dispute resolution, combining elements of both civil and commercial law. This document is particularly valuable when creditors need documented proof of debt for legal proceedings or when debtors formally acknowledge their financial obligations. The affidavit must comply with UAE Federal Laws and typically requires notarization to be legally valid. It contains detailed information about the parties involved, specific debt amounts, payment history, and current outstanding obligations. Companies and individuals use this document in various scenarios, from commercial lending to personal debt situations, making it a versatile instrument in UAE's legal and financial framework.
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1. Declaration Header: Formal opening stating this is an Affidavit of Indebtedness, including the date and jurisdiction (UAE)
2. Declarant Information: Full legal name, Emirates ID number, address, and contact details of the person making the declaration
3. Creditor Information: Full legal name, address, and contact details of the creditor to whom the debt is owed
4. Debt Acknowledgment: Clear statement acknowledging the existence and validity of the debt
5. Debt Details: Specific amount owed, currency, date of original debt, and purpose of the debt
6. Payment History: Statement of any payments made and current outstanding balance
7. Truth Declaration: Formal statement declaring that all information provided is true and correct
8. Execution Block: Space for signature, date, and notary attestation
1. Interest Terms: Include when there are specific interest rates or charges applicable to the debt
2. Security Details: Include when the debt is secured by specific assets or guarantees
3. Co-borrower Information: Include when there are co-borrowers or guarantors involved in the debt
4. Default Events: Include when there have been specific default events or missed payments
5. Repayment Plan: Include when there is a specific agreed repayment schedule or plan
6. Governing Law Statement: Include when dealing with international parties or cross-border transactions
1. Schedule A - Loan Documentation: Copies of original loan agreements or documentation proving the debt
2. Schedule B - Payment Records: Detailed record of all payments made and remaining balance calculations
3. Schedule C - Supporting Evidence: Any additional documentation supporting the debt claim (bank statements, receipts, etc.)
4. Schedule D - Communication Records: Records of relevant communications regarding the debt
5. Appendix 1 - Identity Documents: Copies of Emirates ID and other identification documents of the declarant
Relevant legal definitions
Affidavit
Declarant
Creditor
Principal Amount
Interest Rate
Due Date
Outstanding Balance
Default
Payment Schedule
Security
Guarantor
Business Day
Notary Public
Applicable Law
Original Debt
Maturity Date
Late Payment Charges
Enforcement
Event of Default
Payment Terms
Supporting Documents
Legal Proceedings
Jurisdiction
UAE Dirham
Declarant
Creditor
Principal Amount
Interest Rate
Due Date
Outstanding Balance
Default
Payment Schedule
Security
Guarantor
Business Day
Notary Public
Applicable Law
Original Debt
Maturity Date
Late Payment Charges
Enforcement
Event of Default
Payment Terms
Supporting Documents
Legal Proceedings
Jurisdiction
UAE Dirham
Clauses
Declaratory
Identification
Debt Acknowledgment
Amount Specification
Payment History
Interest Calculation
Default Events
Security Details
Repayment Terms
Truth and Accuracy
Governing Law
Jurisdiction
Notarization Requirements
Witness Confirmation
Supporting Documentation
Legal Capacity
Enforcement
Severability
Amendment
Execution
Identification
Debt Acknowledgment
Amount Specification
Payment History
Interest Calculation
Default Events
Security Details
Repayment Terms
Truth and Accuracy
Governing Law
Jurisdiction
Notarization Requirements
Witness Confirmation
Supporting Documentation
Legal Capacity
Enforcement
Severability
Amendment
Execution
Relevant Industries
Banking and Financial Services
Real Estate
Commercial Trading
Construction
Manufacturing
Professional Services
Retail
Healthcare
Education
Telecommunications
Relevant Teams
Legal
Finance
Credit Control
Collections
Risk Management
Compliance
Corporate Secretariat
Treasury
Accounts Receivable
Debt Recovery
Contract Administration
Relevant Roles
Legal Counsel
Finance Manager
Credit Controller
Collections Manager
Risk Manager
Compliance Officer
Corporate Secretary
Chief Financial Officer
Accounts Receivable Manager
Treasury Manager
Debt Recovery Specialist
Contract Administrator
Legal Operations Manager
Financial Controller
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