October 4, 2019 2:58 am Written by

Can I Travel and Leave My Debts Behind Me?

What happens if I move and leave debts in another country?

Can I be stopped at the airport for owing money?

Will my Visa be rejected for owing debt?

Can a debt from another country be collected here in the UK?

Can I be made bankrupt in another country for money owed?

Can money I owe in the UAE be collected in the UK?

Can I include debts in other countries in a UK bankruptcy?

Can I be chased for debts owed in other countries?

Can I go bankrupt in the UK if I now live outside the UK?

We get a lot of questions on a regular basis similar to these, and also variations on similar themes. All having to do with debt, travelling, and debts in other countries.

It is a common worry or concern about having debt in the UK or elsewhere, and being able to travel, get a Visa to visit or stay in another country, and if your debts in one part of the world will follow you should you move to another part of the world.

So without further delays, the answers to the burning questions we all have:

Can I Travel and Leave My Debts Behind Me?

Yes.

Next question.

The answer really is yes, you can have debt(s) in any part of the world and in any country and just leave. There are countries such as the UAE/Dubai where being in debt is sort of a crime, so that can prove to be an issue, but as long as you leave before any warrants are filed, you can leave the country.

Does this mean you are leaving the debt behind, in a sense yes, but you still owe the money. The account or debt does not go away simply because you have.

Which begs the follow-up question:

What happens if I move and leave debts in another country?

You still owe the debt, and the bank or lender you owe, may chase you for payment, even outside of the country of the debt’s origin.

Just by moving to another country does not change the fact you owe the debt.

The creditor may chase you for payment in another country, however, the creditor may not have authority in that other country, so they have no real power to collect the account.

As you will see when you read on, debts do get sold or transferred to collection agencies in other countries, and they can and do collect debts that originated outside of the country you may now live in.

Can I be stopped at the airport for owing money?

Technically no, however a few years back there was an issue about those owing a TV licence fee and being stopped at the airport in Scotland.

For the most part and in most parts of the world, you will not be stopped at the airport just for owing money, or being in debt alone. If you have committed a crime, then you may be stopped, but again, in most parts of the world, being in debt is not a crime.

Will my Visa be rejected for owing debt?

The quick answer here is also no, being in debt and owing money does not affect getting a Visa to enter and live in the UK, or for the majority of other countries.

You may need to show you can support yourself and have a means to live, but there are no questions related to debts or money owed, and there is no credit check for Visa’s to live in the UK, or again for most other countries.

Debts/accounts in other countries are not reported on UK credit reports, nor are UK accounts reported on other country’s credit histories

Even with the current Brexit and the EU Settlement Scheme, there are no questions when you apply for status to stay in the UK regarding finances, debt, or money owed.

There is a clause in the UK Citizenship application regarding “good character”. Being in debt and not dealing with it, could be viewed as possible bad character, but again, as long as you are dealing with the accounts/debts, it is not an issue.

Can a debt from another country be collected here in the UK?

Our survey said….yes!

Debts that originated in other countries can be collected in another country outside of where the account originated.

Accounts/debts get sold or assigned to collection agencies around the world, all the time.

So an account that originated in UAE, can be sold or assigned to a collection agency here in the UK, and that UK collection agency can collect the debt in accord with the laws and rules here in the UK.

This also means you are afforded the insolvency and debt rules/laws/options we have here in the UK.

So yes, debts from other countries can be collected here in the UK.

Can I be made bankrupt in another country for money owed?

The answer to this is possibly, it depends on that country’s insolvency laws.

If you owe someone £5,000 or more here in the UK, they can make you bankrupt. Not all countries have insolvency laws where a creditor can force you into bankruptcy or make you bankrupt. It will depend on that country’s insolvency laws.

Can money I owe in the UAE be collected in the UK?

This was covered in the question above:

Can a debt from another country be collected here in the UK?

Our survey said….yes!

Debts from any other country can be collected here in the UK if the debt is sold to a collection agency here in the UK, or assigned to a collection agency here if the account has a “non-jurisdictional” collection clause.

Can I include debts in other countries in a UK bankruptcy?

And another resounding…..yes!

You can include debts in any country around the world in a UK bankruptcy, however there is a caveat to this.

While you can include the account, the protections you have afforded to you in a UK bankruptcy, such as the creditor not being able to collect the account, are only afforded to you in the UK, and for now, the EU. The Brexit may change that.

Should you return to the country of the account/debt’s origin, the creditor can still collect the account in that country.

Can I be chased for debts owed in other countries?

This has been covered prior in other questions, and yes, you can be chased in the UK for debts owed in other countries.

Previous answers: Can money I owe in the UAE be collected in the UK?

This was covered in the question above:

Can a debt from another country be collected here in the UK?

Our survey said….yes!

Debts from any other country can be collected here in the UK if the debt is sold to a collection agency here in the UK, or assigned to a collection agency here if the account has a “non-jurisdictional” collection clause.

Can I go bankrupt in the UK if I now live outside the UK?

You can go bankrupt in the UK if you have moved outside the UK, but there are some rules to this, and these rules may be changing.

If you leave the UK and want to go bankrupt in the UK from an EU country, you have three (3) months to do so.

If you leave the UK and move to a non-EU country you can go bankrupt in the UK, but you have a three (3) year window of time to do this. These cases are also held in the High Court in London.

So while you can go bankrupt from outside the UK, if you feel you need to do this, it may be best to file the bankruptcy prior to moving, and again, there are no travel restrictions for owing money or being bankrupt.

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