أسئلة وأجوبة
أسئلة وأجوبة
4 متاح 4 • عرض الجميعالعواقب القانونية للتخلف عن سداد أقساط القرض الشهرية
5
س: لقد تحصلت على قرض من بنك بقمة 190000 درهم إماراتي منذ سنة. لقد فقدت وظيفتي في شهر أكتوبر عام 2018. كنت أدفع الأقساط الشهرية حتى مارس 2019.
لست في وضع يسمح لي بالسداد بدءًا من هذا الشهر. ذهبت إلى قسم تحصيل الديون لتقليل القسط الشهري الخاص بي، لكنهم يطلبون خطاب عرض من الشركة الجديدة لتقليله.
بماذا تنصح في هذا الوضع؟
ملاحظة: فاتني قسط شهري واحد عن شهر ديسمبر 2017.

2019/04/12
3052
كيفية تسوية الديون مع البنك بعد العثور على وظيفة جديدة
2
س: لقد فقدت وظيفتي العام الماضي بسبب الوباء. واستخرجت تأشيرة زيارة لمدة ثلاثة أشهر مرتين على أمل العثور على وظيفة. لكنني استنفدت أموالي وتجاوزت مدة الإقامة المحددة، وبلغت قيمة الغرامات المفروضة عليّ 7,100 درهم إماراتي حتى الآن.
لديّ بالفعل بطاقة ائتمان وقرض شخصي وتخلفت عن سداد المدفوعات المستحقة عليّ. وفقًا للبنك، لقد رفعوا بالفعل دعوى ضدي. ما زلت أنتظر مكالمة من الشرطة.
قبل أيام قليلة تلقيت عرض عمل. ولكنهم طلبوا مني حل مشاكلي قبل البدء في إجراءات استخراج تصريح العمل الخاص بي. أخشى أنهم لن ينتظروني إذا لم يتم حل هذه المشاكل قريبًا.
هل هناك طريقة يمكنني من خلالها التفاوض على الغرامات المفروضة عليّ بسبب تجاوز مدة الإقامة المحددة أو تخفيضها؟
كم ستكون قيمة الغرامة المفروضة من الشرطة مقابل بطاقة ائتمان حدها الأقصى 9 آلاف درهم إلى 18 ألف درهم إماراتي، وقرض مصرفي قيمته الأساسية 160 ألف درهم إماراتي، والذي تمكنت من سداد أقساطه لمدة عام واحد فقط؟
هل لا يزال بإمكاني الحصول على تأشيرة إذا دفعت الغرامات للشرطة؟ أم سأذهب إلى السجن؟ ماذا أفعل؟

2021/01/27
971
إمكانية سداد نسبة صغيرة من قرض مصرفي كتسوية من الخارج
1
س: لقد كنت أعمل في إمارة أبو ظبي.
علي قرض شخصي تبلغ قيمته 82,000 و20,000 من فاتورة بطاقة الائتمان المعلقة. لقد فقدت وظيفتي بسبب الظروف الحالية الناتجة عن جائحة فيروس كورونا. وعندما عُدت إلى الهند لقضاء إجازتي السنوية، قام صاحب العمل بإنهاء خدمتي وإلغاء تأشيرتي.
لم أتمكن من العودة. حتى احتمالات الحصول على تأشيرة سياحية كانت ضعيفة.
كما يدرك الجميع في الهند إن خسارة الوظيفة وسداد ديون أحد البنوك الإماراتية أمر صعب للغاية. أنا مستعد لدفع نسبة صغيرة من المبلغ للبنك كتسوية.
هل هذا الأمر ممكنًا؟

2020/10/05
1639
I have a pending loan and a credit card due to job loss. How to reach an easy payment plan?



0
Q: I have a personal loan and a credit card and due to job loss, I was struggling to find a way to pay the dues. I have 3 months' dues left and my credit card as well is pending.
I did inform the bank about the job loss, however, they have bounced the cheque and a travel ban has been initiated.
Now I'm paying back the dues little by little, however, the bank called and asked me to pay an amount that I cannot afford at this moment.
They are proceeding with the full amount recovery procedure. Recently, I have acquired a low-paying job and have asked the bank to give me 2 months of time to stabilize things.
However, they refused and said they could not.
What can I do here?
Please suggest a way out here.
My last visa got canceled and currently on a visit visa. Will I be able to get an internal visa extension here?
I want to continue here in the UAE, but the bank is making my life hell and giving me mental breakdowns and torture by collection calls.




2024/10/28
183
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
18988
قوانين وتشريعات
2 متاح 2 • 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
148631
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
3579

إجابة أخرى من
لا توجد إجابات
عرض الجميعA tenant usually defaults on rent payments. How can I evict him? 2
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
417
Can I travel to Qatar if a collection agency told me I have a travel ban for an unpaid loan? 1
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
645
Is it legal for debt collectors to contact the employee's workplace for defaulting on debt? 1
Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?
2024/04/05
1159
What legal recourse should my company pursue after engaging 1
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
157
Can you go to Dubai Courts and check a civil case with an arrest warrant for unpaid loan? 1
Hi,
My husband lost his job 6 years back and he has not been able to find a job.
He got a loan from a bank and they filed a civil case. We also came to know he has a standing warrant of arrest.
I want to know what I can do for him.
Should my husband go to Dubai Courts and check what he can do to settle the case or they will arrest him immediately?
Should I go on his behalf and check what steps we can take to settle this case?
Thank you in advance for your legal advice.
2024/04/02
325

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعCan I cancel my house sale contract without extra fees after personal plans changed? 2
Dear Lawyers,
I signed a Form F with a buyer for the sale of my house as we were planning to leave the country. The contract was signed about a month ago, but the handover is not until August.
Due to personal circumstances changing, we are no longer leaving Dubai and would like to cancel Form F.
The Form F contract stipulates that we have to pay the buyer 10% of the purchase value. The real estate agent is now claiming that we also have to pay the buyer's real estate commission and the conveyancing fee.
Our understanding is that the 10% penalty is the only penalty. Which is correct, and what are the next steps to dispute this?
Also, is there any way to dispute the 10% itself under the law due to personal circumstances changing?
2024/07/12
638
How to know if an offer letter I received from a company in the UAE is legit? 2
I got an offer letter from Al-Haldin Gulf Construction & Petroleum LLC. Can you please advise about the company?
2024/03/18
277
Tenant always late with payments, hasn't renewed contract. What to do? 2
Hello,
I have a tenant who is always late with their payment. Their renewal was supposed to be last December 2023.
Currently, they have not signed any new contract, provided any new cheques, and have stayed for three months from December until now without paying rent.
Additionally, I just discovered that they have sublet the apartment with partitions, which is clearly stated as not allowed in the old contract.
Please let me know what should I do legally!
2024/03/14
509
How soon will I receive the cancellation paper from my previous employer? 1
Dear Concern,
How long will it take to receive the cancellation paper from my previous employer?
My last working day at my current company will be on April 7, 2024.
2024/03/16
325
Tenant received renewal notice, rejected proposed rent on renewal day. What next? 2
Hi,
We sent a renewal notice to our Dubai-based tenant 84 days before his contract renewal, with a 10% increase in rent.
The tenant neither agreed nor disagreed with the proposed rent and replied on the day of renewal that he wouldn't be paying the proposed rent.
Due to the argument, the landlord decided to reduce the rent, but the tenant has not yet renewed his contract. It has been 12 days since his contract expired.
Kindly suggest what could be done in this matter.
2024/03/12
320

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعWhat to do if our landlord keeps ignoring maintenance requests despite a clear contract? 0
Dear All,
We have a question related to private rental law in Dubai. We have been living in the same house (rented) for the last four years.
During those years, we have had to battle our landlord for maintenance at large. Our contract states that ALL maintenance is on his account (no deductible).
We have a lot of small maintenance issues, such as kitchen cabinets that are coming loose, a sewage smell in the house, and a toilet upstairs that still doesn't work after four years (despite attempted maintenance).
How can we deal with him and get him to honor the contract and resolve all of our issues so we can use the house properly? What legal steps can we take?
We have informed him plenty of times over the four years about the problems, but he seems to "ghost" us and does not reply very often.
We have issued him a warning to get things fixed by the end of this month (via WhatsApp), but he doesn't seem to mind.
Hope you can help with advice and maybe RERA down the line.
2025/05/22
16
Can a friend be held liable for sharing my private medical information without my consent? 0
Hello,
I have found out that a friend divulged sensitive and private medical information to others without my consent.
Is this against the law?
2025/05/22
12
After evicting a tenant for renovation, can the landlord rent the property to another tenant? 0
Hello,
If the tenant is evicted due to renovation, once the renovation is done, can the landlord rent the property to a new tenant, or does the landlord have to wait for 2 years?
2025/05/22
16
Can I travel outside the UAE if I have a complaint for breach of trust by embezzlement? 0
Hello,
I have a complaint registered against me. The crime description is "breach of trust by embezzlement."
Can I travel outside the UAE? I don't have any travel ban against me.
2025/05/22
14
After evicting the tenant for personal use and gifting the property to my son, can he rent it out? 0
Hello,
I had evicted the tenant by giving 1-year notice with the reason being for personal use.
After 1 year, the tenant vacated the apartment. I gifted this property to my son, who is 18 years old.
Can my son rent out this property?
2025/05/21
13

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعAfter evicting a tenant for renovation, can the landlord rent the property to another tenant? 0
Hello,
If the tenant is evicted due to renovation, once the renovation is done, can the landlord rent the property to a new tenant, or does the landlord have to wait for 2 years?
2025/05/22
16
If the Public Prosecution appeals a not-guilty verdict with no new evidence, will it stay the same? 0
Hi Sir,
My husband had a judgment where he was found not guilty, as the misdemeanor court stated that it doubts the charges against the accused and found no conclusive evidence except the statements in the report files.
The court considered this invalid because there was no translator. After this, if the Public Prosecution appeals, will the verdict remain unchanged and be upheld if there is nothing more than this
Can you shed some light from your experience on this issue and say if the result will remain the same?
2025/05/20
28
What can I do if a contractor failed to deliver a paid renovation project? 0
Hello,
I paid a contractor (via bank transfers) to deliver a project (1BHK renovation – full), and they did not.
What action can I take against them in Dubai?
2025/05/19
32
My lawyer overcharged me for registering my labour case. What should I do? 0
Hello,
My lawyer has charged me more than the actual amount for registering my labour case.
What should I do?
2025/05/13
30
كيف يمكنني الاستعلام عن قضية إبعاد أمني ومحاولة العودة إلى الإمارات؟ 0
السلام عليكم،
أود الاستفسار بشأن قضية إبعاد زوج خالتي من دولة الإمارات العربية المتحدة. زوج خالتي كان مقيماً في الإمارات وكان قد وُلد وترعرع هناك.
في عام 2013 تم إبعاده من الإمارات، وكان ذلك نتيجة لسياسات حكومية كانت تستهدف مجموعة من المقيمين في تلك الفترة، وهو لم يكن قد ارتكب أي مخالفة في ذلك الوقت وكان يُعتبر ضحية للسياسات المتبعة.
أرغب في معرفة الإجراءات التي يجب أن أتبعها حالياً من أجل رفع هذا الإبعاد وتمكينه من العودة إلى الإمارات.
أرجو أن توضح لي كيف يمكنني مساعدته في هذا الموضوع.
شكراً جزيلاً.
2025/05/01
32
احصل على عروض أسعار من محامين
ابحث عن المحامي المناسب لاحتياجاتك القانونية.
أرسل طلبك واحصل على عدة
عروض تنافسية من
محامين مؤهلين.
أسئلة شائعة
عرض الجميع هل تبحث عن شيء آخر؟
اطلب استشارة من محامٍ