Credit Cards and Bank Loans – Free Legal Aid and Seminar

Are you looking for some legal advice on how to restructure your existing loan or wishing to know on how to settle your credit card dues amicably with some abusive debt collectors but do not know how or who to speak to? You may want to attend this.

The Gulf Law and the Filipino Lawyers in Dubai are once again conducting a FREE Legal Aid and Seminar to tackle on topics that involve the following:

  •  Know your legal rights and obligations
  • Dealing with a Police Case
  • Bounced Cheques
  • Bank Settlements
  • Court Case
  • Abusive Debt Collectors
  • Central Bank Blacklist
  • How to restructure your loans from different banks

Venue will be at the Philippine Consulate in Dubai, on Saturday, 11th June 2016 at 2:30pm and to be attended as well by a special speaker from the UAE Police, Mr. John Ray Cerna.

To register, you may confirm your attendance by email along with your name and mobile number to Gulf Law Client Care at or to

You may not probably be in any actual involvement on these cases as yet but would like to know the legalities should in case, you too are welcome to attend.

Stay safe. Be aware.



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Free Legal Aid and Seminar

credit cards

Gulf Law and The Filipino Lawyers in Dubai are inviting everybody, especially Filipinos, to join them in their next FREE Legal Aid and Seminar, to speak on Credit Cards and Bank Loans.

The seminar will take place at the Philippine Consulate in Dubai at 2:30 PM on Friday, 7th August 2015.  Some of the other topics to be covered are:

  • Know your Rights and Obligations
  • Police Case
  • Bounced Cheques
  • Bank Settlements
  • Court Case
  • Abusive Debt Collectors
  • Central Bank Blacklist
  • How to Restructure your Loans from Different Banks

Atty. Barney Almazar will be one of the speakers during the seminar. Recently, I posted a blog about a book authored by him entitled The Essential OFW Guide to UAE. He is also the head of the legal aid clinic at the Philippine Embassy in Abu Dhabi and Consulate in Dubai. In case you’ve missed that post, you may click on this link.

To register and book your seat, you may send an email to indicating your name and phone number. Your registration will be confirmed by a return email. A Certificate of Participation will be issued at the end of the event and you may also claim your free copy of The Essential OFW guidebook in case you haven’t got one yet.

Gulf Law Consultancy FZ LLC – is a limited liability company under the Fujairah Culture and Media Authority.

Are you ready to be an OFW in the UAE?


That was the first question that caught my attention when I started going through the pages of the Essential OFW Guide to UAE by Atty. Barney Almazar. I have posted an earlier blog about this book and how to avail a FREE copy of The Essential OFW Guide to UAE 

I hope you were able to reserved and already collected your copy, but in case you haven’t and you still want to have one, you may request via email to and they will get in touch with you on how and where to collect it. Alternatively, a mobile app is planned to be launched by August.  You may check their website for update.

In this book, Atty. Almazar underlined five main perennial issues from which most OFWs landed in problems; indebtedness, intoxication, immorality, illegal recruitment and improper or fake documents. I have not finished reading the whole content as yet, but I’m sure the information given will be beneficial and helpful especially to the new Filipino contract workers here in UAE. It is always good to know the workers’ rights and limitations when employed in a foreign land. Atty. Almazar did mention during one of his interviews, that there were some 6,000 OFWs whom they have already given free legal assistance since January this year, and most of their reasons for being involved in a conflict were “it wasn’t their intention to break the law, or they simply didn’t know”.

As always, understanding our environment plays a major role to stay out of trouble, so if something like this is made available to us for free, why not seize the opportunity.  The author himself is the head of the legal aid clinic at the Philippine Embassy in Abu Dhabi and Consulate in Dubai hence, I am certain that he did study on his forte. Anyhow, I am not saying that this book is our only source of information but can definitely be considered as an additional tool to broaden our awareness while living in UAE.

Quoting from one of the books I’ve read, “Assumption is the lowest form of knowledge”.  In a layman’s language, ‘it is better to be safe than sorry’.

Stay safe! 🙂