Having been away from Dubai for 3 years I am well aware of the Debt I owe and make every effort with the banks to pay back what I can monthly to ensure over time it is paid back.   I have all the contacts like they have my contacts and I have not run away from my Debt like some people do.   Now I am getting very angry and I will take action against these collection agents with the tactics they use and the stories I have read in how they treat people.   It is against the federal colle