أسئلة وأجوبة
أسئلة وأجوبة
5 متاح 5 • عرض الجميعماذا يحدث للقرض المصرفي في حالة فقدان الوظيفة؟

2
س: السلام عليكم،
إنني أعمل في دولة الإمارات منذ سبع سنوات. قبل أسبوع، هددني صاحب العمل بإنهاء خدمتي. علي دين مصرفي تبلغ قيمته حوالي 164,000.00 درهم إماراتي في شكل قرض شخصي وأخشى أنه في حالة فقدان الوظيفة لن أتمكن من سداد القرض لأنني لا أملك أي مدخرات.
بعد القراءة، فهمت أنه سيتعين عليّ مواجهة قضية جنائية إذا لم أتمكن من سداد القرض (حيث يكون الديّن مستحقًا بالكامل في حالة فقدان الوظيفة) وكذلك السجن.
مهما كان الأمر، إنني بحاجة لمعرفة المزيد عنه. أبلغني أحد الأصدقاء أنه إذا قام شخص ما بإخطار البنك بالتخلف عن الدفع وإنهاء الخدمة، سيبدأ في اتخاذ الإجراءات وسيتعرض المتخلف عن السداد للسجن أو الغرامة.
سأكون ممتنًا إذا تمكن شخص ما من تقديم المشورة لي حول كيفية سير الأمور في حال تم إنهاء خدمتي وأصبح مبلغ القرض مستحقًا وتحول هذا الوضع إلى قضية مدنية أو جنائية.
مع خالص تحياتي.


2021/05/05
1073
كيفية إعادة هيكلة القرض للمرة الثانية بسبب فقدان الوظيفة؟


2
س: سيدي العزيز / سيدتي العزيزة،
كنت أعيش وأعمل في دبي وحصلت على قرض شخصي بمبلغ 1,000,000 درهم إماراتي. كنت أدفع مدفوعاتي الشهرية البالغة حوالي 23,000 درهم شهريًا بانتظام ولكن بعد ذلك فقدت وظيفتي.
ذهبت إلى البنك وأبلغتهم بخسارة الوظيفة وطلبت إعادة الهيكلة. لقد قاموا بإعادة الهيكلة وخفضوا دفعتي إلى 13000 شهريًا. لقد دفعت لمدة شهرين ولكن لم أتمكن من سداد أي دفعات أخرى منذ نفاد أموالي وتعثرت الآن.
هل هناك طريقة يمكن أن يساعدني بها أحد أو يرشدني إلى طريقة للخروج من هذا الوضع؟
أستطيع أن أدفع مبلغ 4,000 درهم شهريًا.



2022/08/30
305
الآثار المترتبة على التخلف عن سداد أقساط القرض بعد فقدان الوظيفة أثناء السفر خارج الإمارات
1
س: سأغادر البلاد خلال شهر بسبب التسريح من العمل. لقد تأخرت في سداد آخر قسط من القرض ليوم واحد فقط، الأمر الذي أدى إلى اتصال البنك للسؤال عن سبب عدم إيداع راتب الشهر الماضي.
أخبرتهم أنني ما زلت أعمل في الشركة وأنه سيتم إيداع راتبي هذا الشهر دون أي مشكلة. كما أخبرتهم أنني دفعت آخر قسط من القرض على أي حال.
يبدو أن هذا التفسير كان مُقنعًا بالنسبة لممثل البنك، ومع ذلك، ما زلت أشعر بالقلق. في الوقت الحالي أريد سداد القرض بالكامل. ليس لديّ أي ديون أخرى باستثناء هذا القرض.
أخطط لمواصلة الدفع بمجرد عودتي إلى بلدي الأم حيث سأبدأ عملاً جديدًا. لن أتمكن من سداد القرض إذا بقيت هنا في دولة الإمارات. هل من المحتمل منعي من السفر عند مغادرة البلاد في الأسابيع المقبلة؟

2021/01/04
849
The bank deposited my security cheque for unpaid credit card. How can I settle?


1
Q: My credit card EMI was not paid last 2 months, card limit is 35000.
The bank deposited my security cheque, put 100,000, and it bounced.
Now, they are going to make a criminal case.
How can I negotiate with them?



2023/07/30
855
The credit card people are contacting me after 3 years of non-payment. What can I do?


0
Q: Hi,
The credit card people are contacting me after 3 years.
They said it's a call from a lawyer's office and the guy writes provocative messages on Whatsapp to show that I am not willing to cooperate.
How long is the security cheque valid for?
Can they contact my employer?
The thing is I was paying until I found out that it was not added to the amount but considered as fines and fees!
Then I lost my job, left the country for 2 yrs, and came back. The amount they claim is 9k.
Thank you.



2023/10/26
111
المدونة القانونية
1 متاح 1 • 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
18899
قوانين وتشريعات
4 متاح 4 • عرض الجميعFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
1987/12/08
47913
Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
1993/09/07
33015
Federal 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
148390
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
3531

متميز
إجابة أخرى من
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عرض الجميعWhat countersuit can be filed against an employer for a false absconding case? 0
Hello,
What countersuit can I file against an employer who filed a false absconding case against an employee?
2025/04/15
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Is a bounced rent cheque case considered a criminal record for U.S. visa applications? 0
Hello,
My rent cheque was bounced, and my landlord filed a case against me in Sharjah Court. I received a fine of 2,000 AED, which was later reduced to 1,000 AED upon appeal.
Does this case count as a criminal conviction under UAE law, or was it handled as a civil matter?
If I apply for a U.S. visa, will I need to submit court records under the requirement for applicants with past convictions?
2025/04/15
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What are the penalties for not returning from vacation after several months or a year? 0
Hello,
Good afternoon!
Can somebody tell me what happens if someone went on vacation and didn’t come back in one month?
What penalties will they face if they want to come back after 1 year or after some months and not to the same company?
2025/04/15
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Will changing the ownership of the company affect my end-of-service benefits accrued for 6 years? 0
My company changed the boss, but the company name is still the same.
Is there any way I can't get all my benefits for 6 years?
2025/04/08
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How can I cancel my current visa immediately without serving notice? 0
Hello,
I got an offer letter from another company. I want the immediate cancellation paper before 20th April.
I don't have time to submit my notice period registration. What should I do?
Please give me the best advice!
2025/04/04
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متميز
إجابة أخرى من
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عرض الجميعماذا يحدث بعد إصدار قرار الحجز في حالة عدم وجود حسابات أو أموال للمنفذ ضده؟ 0
السلام عليكم،
ماذا يعني اتخاذ قرار الحجز التنفيذي على الأموال والحسابات والتواصل مع البنك المركزي في قضية تنفيذ للمنفذ في أبو ظبي؟ مضى على الإعلان ٨ أيام ولم يصلني المبلغ المنفذ به بعد.
ما الإجراء الذي يتخذه القضاء في هذه الحالة بعد ذلك في حال عدم وجود حسابات أو أموال للمنفذ ضده في بنوك الدولة؟ وقانونًا إلى متى أنتظر وماذا أفعل؟
2022/08/16
4449
A tenant usually defaults on rent payments. How can I evict him? 0
Hi,
I have a tenant who defaulted on rent payment. His cheque bounced due to account closure. He promised cash payment but hasn't delivered.
I want to evict him. The property is in Dubai. How do I proceed legally? Appreciate step-by-step guidance according to the law.
Thank you!
2024/04/26
363
Can I travel to Qatar if a collection agency told me I have a travel ban for an unpaid loan? 0
Salam,
I received an email from a company in the UAE - which is a collection agency - informing me that I had a travel ban and arrest warrant issued in the UAE for an unpaid loan a week ago.
I currently live in the US. I have sent them many emails asking them how can I pay or make installments to settle this amount of 332,430 dirhams. I am currently working with them and trying to resolve the issue.
My question is I would like to know if I travel for 5 days to Doha, Qatar in May, will I be detained or I will be ok?
I don’t believe so I just want to be sure because I will be with my family.
Thank you again.
2024/03/30
571
Is it legal for debt collectors to contact the employee's workplace for defaulting on debt? 0
Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?
2024/04/05
1023
What legal recourse should my company pursue after engaging 0
My company engaged a Dubai-based entity, registered in India, on a three-month contract for project upgrade, maintenance, and delivery.
Then they ceased communication 2 weeks before completion and failed to deliver the promised services after payment.
What legal recourse should my company pursue?
What specific legal expertise or counsel should we seek to address this breach of contract?
2024/04/05
127

متميز
إجابة أخرى من
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عرض الجميعCan I petition for immediate eviction due to tenant violations and refusal to vacate after notice? 0
Dear Lawyers,
I have a question regarding an immediate eviction petition to the Urgent Judge. The tenant did not return the apartment on 26 January 2025, despite a 12-month legal notice that ended on 25 January 2025.
The tenant rejected all gas and fire prevention maintenance for 12 months. Al-Fanar Gas submitted a report with the tenant's signature and refusal after the tenant broke the gas detector.
The apartment was sold, and the new owner gave the tenant 90 days' notice. The tenant refused to show the new owner the apartment and ran away, according to building management.
The tenant ignored the 12-month legal notice, did not return the apartment, broke the gas detector, and refused gas and fire detection system maintenance.
The deal will be voided if the new owner cannot enter the property promptly. Can I petition the Urgent Matters Judge for quick eviction based on the tenant's violations?
2025/01/27
75
A contractor did waterproofing on my roof but water leaked and made damages. What can I do? 0
A contractor recently did waterproofing on my townhouse roof and confirmed a warranty of 5 years (on WhatsApp). The payment receipt and invoice are available.
In 4 months, water leaks from the roof damaged the false ceiling inside the house. When contacted, he avoids calls and delays by making some excuses.
Is there any way I can get my money back?
2024/12/26
54
How can I exit a partnership linked to an expired license and accumulating fines? 0
Good Day!
I am a partner in a trading license with two other individuals. Both of them were managing the business together as a cash-based operation without a bank account, while I was working elsewhere as an employee.
Now, one of the partners has passed away, and his parents are in conflict with the remaining partner, claiming he owes them money. However, the surviving partner insists that no money is owed and that everything is settled.
The license has now expired and cannot be renewed because the deceased partner’s family is not cooperating, leading to fines due to the inability to renew it.
Additionally, the remaining partner continues to conduct the same business, occasionally purchasing items under the company name.
As I am a low-salaried individual and cannot afford court fees, is there a way to remove myself from this situation, or are there any authorities who can assist me in this matter?
I am willing to help and provide whatever is required as evidence in this case.
Please advise!
2024/12/30
112
Can I finalize our divorce in the UAE while my wife is in her country? 0
Hello,
My wife and I are from two different countries (Egypt and Tunisia), and we both reside in the UAE. She recently traveled back to Tunisia, and while her residency in the UAE is still active, we are unsure if she will return.
We have agreed to divorce and do not have children. How should we proceed with the divorce process?
Does she need to be in the UAE to complete it, or can the process be handled remotely?
2025/01/02
65
Can I close my LLC company and pay off all my debts and liabilities if the the license is expired? 0
Good Morning,
I want to close my company (an LLC located in Sharjah) and leave. I have personal and company liabilities which I plan to settle before I leave.
My company license ended in December 2024. Can I pay off personal debts and company liabilities without renewing the company license (including renewal of tenancy contract) in the next 2 to 3 months?
I want to avoid license renewal fees and tenancy contract associated costs since I am anyways planning to leave. Is that possible?
If so, how much time do I have?
Thanks for your advice.
2025/01/06
85
احصل على عروض أسعار من محامين
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