Questions & Answers
Clearance of a pending debt and returning to the UAE
I am a US citizen with a sizable debt in the UAE after leaving for health reasons. I sustained an injury that required rehabilitation. I do not like how I left the UAE. It eats me up inside.
I miss my brothers/friends in the region. I wish to return to fulfil my obligations. Under fear of arrest, I can not dream of the UAE as home anymore.
However, if I were to be given another chance for employment in Dubai, could I renegotiate new loan terms that would allow me to return?
Thus paying my obligatory debt and satisfying my passion to do what is right?
Thank you in advance.
My salary in the UAE was substantial at over 47k/monthly. The new contract would be more.
Give me some choices on what I should consider.
Dear Sir/ Madam,
Thank you for reaching out to me on this.
I completely understand your situation and also no one wishes to leave the country this way but circumstances are not in our control.
Legally speaking, the bank has two options to deal with your debt i.e. Criminal and Civil.
Criminal- The bank might be holding your security cheque considering you have taken a loan/ credit card.
Due to non-payment, the bank would have bounced your security cheque and filed a police case against you, resulting in a travel ban and pending arrest warrant.
To overcome this situation, you must first inspect the police records to ascertain the situation, appoint a legal representative via a power of attorney to represent you and dispose of the criminal case by paying fine (not pay the full debt).
Once the criminal case is disposed of, your travel ban and pending arrest warrant are lifted and you can safely return back to the UAE.
Civil- The bank can file a civil case against you before the civil court to recover the debt on the basis of account statement and agreement.
There is no arrest or travel ban in the civil case, however, once the judgement is pronounced, there will be a travel ban.
Once, the criminal case is disposed of, you can actually negotiate and settle with a bank for a discount on the debt owed.
The reason I say this is because till the criminal case is ongoing, the bank will hold leverage and will not renegotiate.
I have handled such cases in the past and would be happy to assist you to resolve this in order for you to return back to the UAE.
For further discussion and clarification, you may get in touch with me on +971529495731.
I trust you will find the above helpful.
Regards,
Hari Wadhwana
Dear Questioner,
Hope our message finds you well.
Further to your inquiry, please be noticed that we do offer services for negotiating your loans with the bank.
Moreover, we can make checking for your name if it is on a blacklist or not.
Please do not hesitate to provide us with the full story of your situation on our email or Whatsapp us on 00971 50 7893447.
Looking forward to hearing from you.
Thank you.
