Support to Manage Your Debts with Confidence

Are you struggling to meet your financial commitments?
Do you find it difficult to repay amounts owed on your credit card or other loans?

Life can sometimes bring unexpected financial challenges. We are here to provide you with the support and guidance you need.

Why Timely Action Matters

Taking early action helps prevent the impact of debt on your credit history and credit score with Al Etihad Credit Bureau (AECB) and ensures your ability to access financing in the future when needed.

Staying on schedule reduces risks and gives you peace of mind in managing your finances.

Warning Signs of Debt Distress

Recognizing early signs can help you take action before problems escalate. You may be experiencing financial stress if you notice:

- Regularly missing or delaying payments
- Using one loan to pay off another
- Difficulty covering essential expenses after repayments
- Receiving repeated reminders or late payment notices
- Feeling anxious or stressed about your financial situation

Your Rights and Responsibilities

Being informed helps you manage your finances with confidence:

You have the right to full clarity on all fees, interest rates, and repayment terms.
You are responsible for understanding the consequences of late or missed payments.
- You are encouraged to stay proactive and regularly monitor your credit report.

Your First Step Toward
Financial Stability

Debt counselling is not just about solving today’s problem — it’s about building financial resilience for the future.

By understanding your finances, taking small and steady steps, and staying committed to your plan, you can regain control of your money and move toward a healthier and more stable financial life.