The expected penalty for defaulting on a bank loan and credit cards

Hello,

I have a few queries please assist. I left Abu Dhabi last year by cancelling my visa properly. I have an unpaid personal loan and credit card loan with different banks, all together I have a debt of AED 75000.

The bank has already filed a case against me as per the email. Now, I want to know whether the bank has filed a criminal case or civil case against me because the borrowed money is less than AED 200000.

Also, I need to know whether is it possible to get no criminal record check or police clearance certificate without paying the debt.

If it’s 100% possible then please advise what will be your charge to get the no criminal record or police clearance certificate and how long will you take to get the certificate.