س: سيدي العزيز / سيدتي العزيزة، بسبب الوباء، فقدت وظيفتي في عام 2020 ولم أتمكن من سداد ثلاثة أشهر من القرض، حيث أحتاج في المقام الأول إلى توفير المسكن والطعام. لقد كنت أدفع بشكل جيد لما يقرب من ثلاث سنوات. هناك 18 شهرًا متبقيًا يجب دفعهم. مع الأسف، لقد رفعوا قضية جنائية ضدي في شهر سبتمبر الماضي 2020. لقد دفعت الغرامة في مركز الشرطة. ومع ذلك، حتى الآن مستمرون في الاتصال بي وتهديدي، هذه المرة سيرفعون قضية مدنية. ما هو تأثير القضية المدنية عند التقدم للحصول على تأشيرة عمل؟ وفقا لهم، لقد تضخم الديّن المستحق مرة أخرى إلى 33,500 درهم. إذا لم يكن لديّ وسيلة لسداد هذا المبلغ، ماذا سيحدث لي؟ يرجى تقديم المشورة. شكرًا لك مقدمًا.

Q: Hi, Please advise the below issue with the bank. I lost my job last 2018, and due to this, I'm not able to pay my monthly dues to the bank. I visited the bank to discuss that I have insurance for my credit card. But the bank denied that insurance and said to me that I should apply for that insurance after my company finishes my work contract. It takes me 3 months before I visit the bank to apply for the insurance. The bank sued me in a civil case. I paid the amount to the police. But the bank still forces me to pay the pending amount. I manage to pay per month since Sept 2019 and until Dec 2022. Again I lost my work last Dec 2022. I'm not able to pay now the monthly dues that the bank required. Kindly help and advise, please.

Q: I lost my job a year and a half ago and now I got a job but I am not able to pay my credit card dues for the last 3 months. Does this affect changing my visa or not? Recently, they sent me a legal notice from a lawyer's office. I have 4 cards of 20k, 16k, 11k, and 39k from three different banks.

Q: Dear All, Please advise me on this issue. Your help and guidance will be appreciated! I am writing to discuss the repayment of the loan amount that I owe. I was asked to pay an amount of AED 15,000. Unfortunately, my current financial situation does not allow me to pay this amount as I am going through a hardship. However, I am determined to fulfill my financial obligations as soon as I start working. I can currently afford to pay an amount of AED 1,000, which is the maximum amount I can allocate towards the repayment for now. As soon as I enter the UAE, I will be in a more stable financial position and I can begin repaying the loan on a monthly basis. My question is: how can I make the bank agree with my request and allow me to enter the UAE without any hassle? Thank you for your time and consideration!

Q: Hello, Can I change my employment visa when I have an active criminal police case? Note that it hasn't been sent for prosecution, and in the police report app, it only shows a police case as active, but there's no prosecution number. It has been active for more than a month, and I am currently in the process of changing my job.

Q: Dear Lawyers, I have a bank loan, and I left Dubai in 2018. Now my company is asking me to come on a visit visa, and then they will change my visit visa into a work visa. However I am scared that my outstanding loan will affect my visa application, and I will not be able to change my visa. Please answer!

Q: Dear Lawyers, I had a cheque execution case for a credit card and have already paid the amount to the court. However, the bank has not yet received the payment from the court. I am now changing my job and need to apply for a new employment visa. Will there be any issues in issuing the new visa?

Q: Hello, I am switching jobs soon. Can my current work visa be canceled if I still have a personal loan and credit cards that I am making payments on?

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.

نظرًا إلى أن العالم يشهد حاليًا إغلاقًا واسعًا وتعليقًا لجميع التعاملات التجارية والمدنية تقريبًا، يبرز سؤال بشأن حداثة تفشِّي فيروس كورونا ومدى الخطورة التي ينطوي عليها بحيث تجعله قوة قاهرة.

An interview-format article covering the topic of force majeure in the UAE, in light of COVID-19. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

An interview-format article covering the topic of employment issues and laws during COVID-19 in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

أقرت دولة الإمارات إصلاحات تشريعية كبيرة أسفرت عن إدخال 40 قانونًا وتعديلًا جديدًا على قانون الشركات والقانون الجنائي وقانون الأحوال الشخصية وغيرها. تهدف هذه التعديلات إلى تطوير الهيكل التشريعي في مختلف القطاعات، وكان أحدثها قانون العمل. نحاول في هذا المقال إلقاء الضوء على التعديلات التي أُدخلت على قانون العمل الجديد وتأثيرها على كلٍ من صاحب العمل والعامل.

The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

By this Decree Ministry of Labour of the UAE has removed the six-month labour ban for those who changed the job before completing two years of service. Labour ban will be still applicable for workers that qualify for skill level 4 and 5 under various circumstances.

The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).