The Bankruptcy Law doesn't wait for every creditor to remember their right whenever they feel like it. If you work for an establishment that has entered "liquidation," you are legally a creditor — and you have a set window to file your claim.
👥 Who does this law apply to?
Under Article 4, the Bankruptcy Law applies to every natural person conducting commercial, professional, or for-profit activity in the Kingdom, and every company or establishment registered in it — whether your employer is an individual or a large company.
⏰ A 90-day window to file your claim
"If a creditor submits their claim after the (ninety) day period set out in Article (56) of the Law has ended, and before the final distribution is carried out... the trustee shall review the claim and make a recommendation to the court... An objection by a creditor who was late in submitting their claim beyond the (ninety) day period shall not be accepted against any distribution made by the trustee before the late claim was submitted."
⚠️ What happens if you're late?
- Your claim isn't automatically rejected — the trustee continues to review it right up until the final distribution of assets.
- But you lose the right to object to any distribution already made before you filed — meaning your share of money already paid out to faster creditors is gone for good.
- Check whether your establishment has entered bankruptcy proceedings via the official bankruptcy register at the Ministry of Commerce.
- File your claim for your wages and entitlements (including your end-of-service award) as soon as you learn about the proceedings — don't wait for a letter or notice to arrive.
- Use Sanad to review the strength and priority ranking of your claim before you submit it.
- Bankruptcy Law — Article 4: scope of application
- Bankruptcy Law — Article 112: rules on late claims and the statutory deadline (90 days, per Article 56)