أسئلة وأجوبة
أسئلة وأجوبة
3 متاح 3 • عرض الجميعWhat legal action can the bank take in the UAE in case of loan default due to job loss?

0
Q: My friend has a loan of AED 300,000 with a security cheque of 500k and lost his job 12 months ago. He managed to pay for the first 6 months but has missed payments for the last 5 months, amounting to 50k++, except for AED 1,000 paid last month.
Today, the bank gave him a 13-day notice to pay at least one installment or face legal action and possible detention. He is still unemployed and unable to continue regular payments, even if he pays this month.
We need legal advice on:
1) What legal action can the bank take in the UAE in case of loan default due to job loss?
2) Whether detention is possible, especially if a security cheque was involved;
3) Available legal protections, such as restructuring, mediation, or bankruptcy;
4) How to avoid legal escalation while he is unemployed.
Please advise urgently on possible options and next steps to avoid arrest or further consequences.
Thank you.
2025/07/07
105
What to do if the bank filed case on me using security cheques and executed travel ban?




0
Q: The bank filed a case against me using security cheques and executed a travel ban from Dubai Courts.
+5
2025/04/15
224
Will I get arrested in GCC countries if I left the UAE with an unpaid loan and credit card?
3
Q: Hello Sir
I have an unpaid bank loan and credit card in the UAE since I lost my job last 2014. Now I have a plan to go to Kuwait to try another opportunity.
Will I get arrested in immigration if I enter one of the GCC countries?
Hopefully, you can help and advise me.
Thanks.
2023/03/27
965
المدونة القانونية
3 متاح 3 • عرض الجميعالعواقب المترتبة على فقدان العمل والتخلف عن الالتزامات المالية 26
إن إدارة الشؤون المالية للفرد أمر بالغ الأهمية، ويجب الأخذ في الاعتبار جميع الأحداث أثناء التقيد بالتزام مالي. سواء كان فقدان الوظيفة هو الذي أدى إلى الإخفاق المالي أو العكس، فيجب أن يكون المرء على دراية بالمسؤولية الشخصية التي لن تتلاشى من خلال دفع الغرامات في قضايا الشيكات المرتجعة. هناك نوعان رئيسيان من المسؤوليات، وهما المسؤولية الجنائية والمسؤولية المدنية. لكل منها أهميته الخاصة، وبالتالي، يجب التعامل مع كلا النوعين تبعًا لذلك.
2019/02/12
19095
كل ما تحتاج لمعرفته عن حظر السفر في الإمارات العربية المتحدة في 2025 167
يُفرض حظر السفر على الأفراد لأسباب مختلفة، كأن يتم ذلك نتيجة لارتكاب الشخص جرائم جنائية، أو عدم تسديده لديون، أو لخرقه قوانين الهجرة أو لأسباب تتعلق بالأحوال الشخصية. وقد يؤدي حظر السفر إلى بعض الآثار المالية الشاقة على الشخص المحظور. لذا يهدف هذا المقال إلى إعطاء القراء فهمًا معمقًا لعقوبة حظر السفر بالإمارات، وما يُبنى عليه من الإجراءات المتبعة لفرض الحظر أو رفعه، وكيفية التحقق من وجود حظر سفر، وغير ذلك.
2025/05/30
139451
الشيكات المرتجعة في الإمارات: كل ما تحتاج لمعرفته في 2024 294
في الإمارات العربية المتحدة، تعد الشيكات المرتجعة مشكلة متكررة جدًا يواجهها الأشخاص خلال فترة وجودهم في الدولة وتخضع لأحكام قانون المعاملات التجارية. يمكن أن تكون الآثار والعقوبات القانونية شديدة من الناحية المادية ومرهقة بالنسبة لجرائم الشيك "الأكثر خطورة". قد تنشأ قضايا الشيكات المرتجعة في مجموعة متنوعة من المعاملات التجارية، بما في ذلك على سبيل المثال لا الحصر، التبادل التجاري بين الشركات، والقروض المصرفية، وإيجارات العقارات وشراؤها، وبالطبع المعاملات الفردية.
2024/10/15
225369
قوانين وتشريعات
3 متاح 3 • عرض الجميعFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
1985/12/15
148835
Federal Decree-Law No. (50) of 2022 Issuing the Commercial Transactions Law 1
The provisions of this Federal Decree-Law No. (50) of 2022 Issuing the Commercial Transactions Law, known as the "New Commercial Code" governs commercial transactions in the United Arab Emirates. The New Commercial Code repeals the previous UAE Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law.
2022/10/03
600
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.
2020/09/27
3635

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعI have a travel ban for bank loan debt. Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists? 0
I have a travel ban for bank loan debt.
Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists?
2025/08/14
7
The employers are delaying my experience letter intentionally. What can I do? 0
Dear Respected Lawyers,
I need advice.
I have worked in a company for 6 years. After 4 years of leaving that company, I need a detailed experience letter mentioning my position at that time, with duties.
As per the labor law, can I get it or not, or how?
I have to submit this letter to the Ministry of Labor in the UAE to prove that my duties are matching with my visa.
The employers are not responding to my emails or even calls; they are purposefully delaying it so that I cannot get my new job.
2025/08/13
18
Can my employer send me back to my home country if I resign after one year? 0
Hello,
I want to know if my employer has the right to send me back to my home country since they hired me directly from there, if I resign after one year with them.
2025/07/17
83
How can I recover money from a colleague who blocked me and refuses to repay? 0
Hello,
I am seeking your legal advice regarding a matter involving a former colleague who borrowed money from me for personal reasons.
Despite multiple follow-ups, he has now blocked all communication and is refusing to repay the amount. I have clear proof of the transaction through bank transfer records, WhatsApp conversations, and a copy of his Emirates ID.
This individual has a history of borrowing money from others and not repaying, and even told me to "go to the police," showing no intention of resolving the issue.
Please advise on the best legal course of action to recover the amount and proceed with a formal complaint if necessary.
Looking forward to your guidance!
2025/07/18
95
I recieved an eviction notice from the Abu Dhabi Enforcement Court. How can I delay eviction? 0
Hello,
I received an eviction notice from the Abu Dhabi Enforcement Court to evict my current apartment for non-payment of rent (Due to loss of job).
I wanted to cooperate, so I went personally to the Abu Dhabi Enforcement Office one day after I received the notice by SMS to arrange the eviction date to be 25 July, as I had a friend I could stay with temporarily until I sorted out the situation.
Now my friend is traveling till 16 August, and I have literally nowhere else to go.
Is there a way to submit a petition to reschedule the eviction till 16 August?
I need help on this ASAP, as the enforcement is in 4 days. If no solution is found, I will be forced onto the street in temperatures of +40 degrees, and no way to go
2025/07/21
79

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعMy visa application was rejected twice after being in the UAE for five years on employment visa. What to do? 0
My visa application was rejected twice. I exited the country on 22 June 2025, and I have been there for five years on a working visa, but I came under a visit visa last time.
Again, I have applied for a visit visa, but it was rejected.
2025/08/14
2
Is there a possibiliyt of a travel ban against if my father got a ban due to a legal dispute? 0
I am contacting you to verify whether my name appears on a travel ban list for the United Arab Emirates.
To explain the situation: some time ago, I was in Dubai with my father and our family. Following a dispute regarding a vehicle bill — where the person involved acted, in our opinion, dishonestly and tried to charge us more than agreed — my father received a travel ban.
I would like to know if, as a result of this matter, I might also be subject to a travel ban, even though I was not directly involved in the dispute. We do not wish to pursue legal action, as it would be too costly, but I would like to ensure that I can travel freely to Dubai.
Could you please advise on the procedure or check my status?
I can provide my full name, nationality, and passport number to facilitate the verification.
2025/08/14
1
I have a travel ban for bank loan debt. Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists? 0
I have a travel ban for bank loan debt.
Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists?
2025/08/14
7
I sold my car to a car agency and they claim that the car is dead to deduct an amount. What can I do? 0
I sold my vehicle to a known Buy and Sell agency in Abu Dhabi last 25 July 2025. They inspected the vehicle meticulously and quoted AED 12,000 Net.
A vehicle sale-purchase agreement was presented, revealing that they will cut AED 600 for a convenience fee. So my Net pay will be 11,400. I agreed and signed all in good faith.
I was instructed to wait until their PRO call and do the transfer of title at the vehicle registry. Since it was Friday, the transfer was not completed, and I have to wait till Monday.
The next day, Saturday (17:30-18:00), they sent a message that the car is dead, sent it via recovery to Dubai for another inspection. They told me that the price needs to be renegotiated; they gave me a figure of AED 9000.
They sent me a new agreement with the figure of 9000, but I did not sign it and just ignored it. Transfer finished, then they sent 11,400 to my account. Now they want the alleged excess back.
Legally, do I owe them? Or I am being harassed as phone calls and emails are non-stop.
2025/08/12
16
Can my employer send me back to my home country if I resign after one year? 0
Hello,
I want to know if my employer has the right to send me back to my home country since they hired me directly from there, if I resign after one year with them.
2025/07/17
83

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعMy visa application was rejected twice after being in the UAE for five years on employment visa. What to do? 0
My visa application was rejected twice. I exited the country on 22 June 2025, and I have been there for five years on a working visa, but I came under a visit visa last time.
Again, I have applied for a visit visa, but it was rejected.
2025/08/14
2
The employers are delaying my experience letter intentionally. What can I do? 0
Dear Respected Lawyers,
I need advice.
I have worked in a company for 6 years. After 4 years of leaving that company, I need a detailed experience letter mentioning my position at that time, with duties.
As per the labor law, can I get it or not, or how?
I have to submit this letter to the Ministry of Labor in the UAE to prove that my duties are matching with my visa.
The employers are not responding to my emails or even calls; they are purposefully delaying it so that I cannot get my new job.
2025/08/13
18
What are the rules of renewal after receiving legal notice for the remaining period after deadline? 0
I received a legal notice in November 2024. My renewal is due on Sep 1, 2025. At the moment, my rent is 36K. Market price is 42k - 52K.
Meanwhile, the apartment is sold and the new owner, through the old agent, is asking us to leave or pay for the following 3 months a 54k pro rate (which would mean 54k/4).
Shouldn't the increase be limited to what the RERA calculator is allowing, just 10%?
2025/08/12
24
I have received a final judgment in my favor and the employer is offering to settle. What to do? 0
Dear Team,
I have received a final judgment in my favor for 5 months' salary, and I’ve already initiated execution through Al Adheed Center.
Now, my employer is requesting to settle the matter outside the court and promises to pay the full amount within 45 days. However, due to past false promises and non-payment, I am hesitant to trust him.
Could you please advise:
1. Is it safer to continue with the execution process?
2. If I choose to accept the settlement, how can I legally document the payment schedule to ensure enforcement if he defaults?
3. Can this settlement agreement be filed or endorsed through Al Adheed or the court to keep legal pressure?
Looking forward to your guidance.
2025/08/12
17
Can my employer send me back to my home country if I resign after one year? 0
Hello,
I want to know if my employer has the right to send me back to my home country since they hired me directly from there, if I resign after one year with them.
2025/07/17
83

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعMy visa application was rejected twice after being in the UAE for five years on employment visa. What to do? 0
My visa application was rejected twice. I exited the country on 22 June 2025, and I have been there for five years on a working visa, but I came under a visit visa last time.
Again, I have applied for a visit visa, but it was rejected.
2025/08/14
2
Is there a possibiliyt of a travel ban against if my father got a ban due to a legal dispute? 0
I am contacting you to verify whether my name appears on a travel ban list for the United Arab Emirates.
To explain the situation: some time ago, I was in Dubai with my father and our family. Following a dispute regarding a vehicle bill — where the person involved acted, in our opinion, dishonestly and tried to charge us more than agreed — my father received a travel ban.
I would like to know if, as a result of this matter, I might also be subject to a travel ban, even though I was not directly involved in the dispute. We do not wish to pursue legal action, as it would be too costly, but I would like to ensure that I can travel freely to Dubai.
Could you please advise on the procedure or check my status?
I can provide my full name, nationality, and passport number to facilitate the verification.
2025/08/14
1
I have a travel ban for bank loan debt. Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists? 0
I have a travel ban for bank loan debt.
Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists?
2025/08/14
7
What are the rules of renewal after receiving legal notice for the remaining period after deadline? 0
I received a legal notice in November 2024. My renewal is due on Sep 1, 2025. At the moment, my rent is 36K. Market price is 42k - 52K.
Meanwhile, the apartment is sold and the new owner, through the old agent, is asking us to leave or pay for the following 3 months a 54k pro rate (which would mean 54k/4).
Shouldn't the increase be limited to what the RERA calculator is allowing, just 10%?
2025/08/12
24
I have received a final judgment in my favor and the employer is offering to settle. What to do? 0
Dear Team,
I have received a final judgment in my favor for 5 months' salary, and I’ve already initiated execution through Al Adheed Center.
Now, my employer is requesting to settle the matter outside the court and promises to pay the full amount within 45 days. However, due to past false promises and non-payment, I am hesitant to trust him.
Could you please advise:
1. Is it safer to continue with the execution process?
2. If I choose to accept the settlement, how can I legally document the payment schedule to ensure enforcement if he defaults?
3. Can this settlement agreement be filed or endorsed through Al Adheed or the court to keep legal pressure?
Looking forward to your guidance.
2025/08/12
17

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعI have a travel ban for bank loan debt. Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists? 0
I have a travel ban for bank loan debt.
Can I switch jobs from Dubai to Abu Dhabi if the travel ban exists?
2025/08/14
7
The employers are delaying my experience letter intentionally. What can I do? 0
Dear Respected Lawyers,
I need advice.
I have worked in a company for 6 years. After 4 years of leaving that company, I need a detailed experience letter mentioning my position at that time, with duties.
As per the labor law, can I get it or not, or how?
I have to submit this letter to the Ministry of Labor in the UAE to prove that my duties are matching with my visa.
The employers are not responding to my emails or even calls; they are purposefully delaying it so that I cannot get my new job.
2025/08/13
18
I sold my car to a car agency and they claim that the car is dead to deduct an amount. What can I do? 0
I sold my vehicle to a known Buy and Sell agency in Abu Dhabi last 25 July 2025. They inspected the vehicle meticulously and quoted AED 12,000 Net.
A vehicle sale-purchase agreement was presented, revealing that they will cut AED 600 for a convenience fee. So my Net pay will be 11,400. I agreed and signed all in good faith.
I was instructed to wait until their PRO call and do the transfer of title at the vehicle registry. Since it was Friday, the transfer was not completed, and I have to wait till Monday.
The next day, Saturday (17:30-18:00), they sent a message that the car is dead, sent it via recovery to Dubai for another inspection. They told me that the price needs to be renegotiated; they gave me a figure of AED 9000.
They sent me a new agreement with the figure of 9000, but I did not sign it and just ignored it. Transfer finished, then they sent 11,400 to my account. Now they want the alleged excess back.
Legally, do I owe them? Or I am being harassed as phone calls and emails are non-stop.
2025/08/12
16
Will the execution procedures start automatically to evict the tenant if the landlord does not request it? 0
Hello,
I have received the execution case for RDC Dubai (-----), and this is the case no. if you want to review. I asked a lot of lawyers, and they were unable to reply.
I want to know, if I do not vacate the property within 7 days, will the court officer come immediately for forced eviction, or does it take time?
However, I have discussed with the owner, and they said they will pause it.
Please let me know.
2025/07/16
82
Can my employer send me back to my home country if I resign after one year? 0
Hello,
I want to know if my employer has the right to send me back to my home country since they hired me directly from there, if I resign after one year with them.
2025/07/17
83
احصل على عروض أسعار من محامين
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