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Debt Counseling Resources

Support is available - and it's free. If you are struggling with debt, reaching out early is the single most constructive thing you can do.

Free counseling through Zoud

Zoud provides access to free, confidential debt counseling sessions with certified financial wellbeing professionals. There is no judgement, no pressure, and no cost. Sessions are available to all UAE residents.

What a counselor can help with

1

Reviewing your complete financial situation clearly and without bias.

2

Exploring all available options, including restructuring, negotiation, and payment plans.

3

Building a step-by-step action plan tailored to your circumstances.

4

Connecting you to additional official support where appropriate.

Official UAE support organisations

UAE Social Support Fund

Provides financial assistance to UAE nationals facing financial hardship. Contact your local social services office.

Central Bank of UAE (CBUAE)

Oversees banking consumer protection. Visit centralbank.ae for guidance on your rights with lenders.

Financial Ombudsman

If a bank or lender has acted unfairly, you may escalate a complaint through the appropriate ombudsman.

Al Etihad Credit Bureau

Access your credit report and check for errors that could be affecting your financial situation. Visit aecb.gov.ae.

You are not alone

Financial difficulty affects people across all income levels and life stages. Seeking help is a sign of strength and responsibility, not failure. The earlier you seek support, the more options are available to you.

All counseling through Zoud is confidential and provided by independent professionals. Zoud does not share personal financial information with lenders or government agencies.

Ready to speak with a counselor?

Book a free, private session at a time that suits you.

Book a Free Session