Questions & Answers
Questions & Answers
4 available 4 • View allPersonal guarantee and liability for debts

1
Q: 1. Can a non-resident person give a personal guarantee for bank debt in the UAE?
2. Is a son liable for a debt of his father?


Jan 11, 2017
3191
Is the wife liable for the bank debts of her husband?
0
Q: Respected Sir/ Madam,
My name is Rehna PG, living in Kuwait with my cousin.
My husband divorced me and married another woman 7 months back. He was working in Dubai during 2004- 2008 time, and in 2008 he lost his job and came back to India with me.
He got many credit card and loan liabilities and did not settle all those liabilities till now yet. I have two kids. I got a job in Dubai now and need to work there for a living.
I wanted to know one thing due to my ex-husband liabilities, am I also blacklisted in Dubai and may face any police case/ court case based on his credit card and loan liabilities?
Will I be taken to jail as soon as I enter in the Dubai Airport?
I need your valuable advice on this issue.
Please help me. I am alone and no one is with me to help me.

Jan 8, 2018
5364
What to do if you lose job and have a pending bank loan
104
Q: Dear Madam,
I got terminated from my company & I have a bank loan around AED 75000.
What do I have to do the next step?
Please advise me (ASAP)
Best regards

Jan 9, 2019
38811
عواقب سحب قرض وعدم التمكُّن من السداد بسبب ترك العمل
9
س: السلام عليكم،
أنا سحبت قرض بمبلغ 225 ألفًا وأصدرت بطاقة ائتمان بمبلغ 27 ألفًا من أحد المصارف التجارية.
ذاك الوقت كان راتبي 16 ألف درهم شهريًا. تم رفضي من العمل وتحويل مبلغ نهاية الخدمة البالغ 82 ألفًا وتم حجزهم فورًا.
بعد 3 أشهر، وفي حين أنني لم أجد عملاً جديدًا، تم سحب كامل المبلغ لحساب القرض (مع اقتطاع مبلغ بسيط لتغطية الدفعات الشهرية لبطاقة الائتمان).
الوضع الحالي:
- مجمل مترتبات القرض: 109 ألف (بدون الفوائد) بدفعات شهرية قدرها 5300.
- بطاقة ائتمان: 19 ألفًا.
- متأخرات: قسط واحد للقرض ودفعة واحدة لبطاقة الائتمان.
مؤخرًا، حصلت على عمل جديد براتب 7 آلاف.
الأسئلة:
1- متى يحق للبنك التقدُّم ببلاغ؟
2- هل سيتقدم البنك ببلاغ عن المبلغ المتبقي مع/أو بدون فوائد؟ أم أنه سيقدم شيك بكامل قيمة القرض حتى مع الجزء المُسدَّد؟
3- هل من مصلحة البنك الوصول إلى تسوية تتناسب مع دخلي الحالي أم التقدُّم ببلاغ؟
4- هل هنالك توقيف في مركز الشرطة وكم المدة؟
5- هل من الممكن أن تحكم المحكمة بالسجن وكم المدة؟
شكرًا!

Apr 29, 2019
5498
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
18950
Laws & Regulations
2 available 2 • View allFederal 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.
Dec 15, 1985
148535
Federal 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.
Dec 8, 1987
47954

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Other answers by
My husband sold the house we bought jointlyand took a cheque plus 1-year instalments from me. What can I do? 0
Hi,
I am a non-Muslim indian expatriate, residing in Dubai since 2015. The first 5 years, I was on a working visa, and after the delivery of my first baby, I left my job and became dependent on my husband.
In 2018, we bought a house together where I invested AED 2 hundred thousand from my income (I have proof in the form of a cheque). I also paid AED 3300 monthly installment for 1 year, for a personal loan taken out for the house.
But in spite of my resistance, my husband tactfully put the house in his name, so the title deed was in his name. In 2024, when my kids and I were in India for vacation, he cancelled our visas and residency. He also filed for a divorce in India.
The divorce is not yet finalised, and we are still married. Since August 2024, he hasn't let me access my house in Dubai, so I filed a case, which eventually went in my favor in January 2025.
Since I used to travel on a visit visa, I left for India and returned in March, to find out that my husband had already sold the house. The new owner is residing there.
What can I do now?
Help!
May 1, 2025
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Can the employer force the housmaid to work for unlimited hours without rest? 0
Hi
I'm a nanny, and at the same time, I work as a housemaid (khadama) here in the house. I work, but as I know, the nannies and housemaids have different rights, and my employer doesn't give me rest.
My work starts at 7:30 am and then finishes at 10 pm or less. It depends on whether the baby is asleep or what time they will take on me if not yet asleep. Is this right?
Also, at the time of eating, I'm still working because the baby is with me, so I just let her sit in her chair. That's how I eat.
Please answer me. I want to know my rights.
Because if I can leave during the 6-month probation, I want to take it if the employer is this kind. I don't know.
They are also expats, but they don't follow the rules of the UAE regarding a housemaid.
May 1, 2025
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My previous organization has not yet released EOSB because I contacted a client. Is this legal? 0
I recently joined a new organization in the Hamriyah Free Zone, and my previous organization has not released my end-of-service benefits.
The HR has instructed the finance team not to do so because I had contacted one of their clients.
In my DMCC contract, there is no Non-Compete clause, but the offer letter has one, and now they are not releasing the end-of-service.
Is this legal? What are my rights?
Apr 30, 2025
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Can I renew my trade license and visa if I have multiple cheque execution cases filed against me? 0
Hello,
I have multiple cheque execution cases filed against me due to financial strains last year.
My trade license and visa will expire next month, along with my Emirates ID.
Is it possible for me to renew my license and visa along with EID prior to settling the execution cases?
The trade license and visa were issued by the free zone authority.
I look forward to your response.
Thanks.
May 1, 2025
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Employer agreed to settle before MOHRE. What if they don’t pay the promised amount? 0
Hello,
I already have a dispute order with MOHRE. Then my employer became willing to settle the case.
What should I do in case they do not follow through with the promised amount to pay?
Apr 29, 2025
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Other answers by
إمكانية المطالبة بمؤخر الطلاق بعد مغادرة الإمارات 2
مرحبا
أنا تزوجت في أبو ظبي ولدي عقد زواج إماراتي، وأنا سويدية الجنسية وهو أردني الجنسية والشهود على عقد الزواج ساكنين في أبو ظبي.
وبعد اكتشافي أنه مريض منذ الولادة وتم خداعي من الأهل وهدف الزواج الاستغلال من أجل الجنسية وهو يلعب القمار والكثير من الأسباب الشرعية، طلبت الطلاق وتطلقت في السويد برضى الطرفين.
لكنني لم أحصل على المؤخر. هل يحق لي المطالبة بالمؤخر وأنا أعيش في بلد آخر وما هي الإجراءات في هذه الحالة؟
أتمنى الرد وشكراً.
Jul 3, 2019
1162
Termination of an indefinite employment contract by resignation 1
Good day!
I would like to ask about the early cancellation process of my unlimited contract.
I got hired last February of this year and I am planning to submit my cancellation notice within this year, but I will complete my 1 yr of service.
Would I be obliged to pay any visa cancellation with the company because I am under an agency and my salary is coming from the company not directly from the client?
I am a full-time cleaner/housemaid.
Hoping for your positive response!
Thank you.
Jul 2, 2019
576
تبعات تخلف المستأجر عن إخطار عدم تجديد العقد قبل انقضائه 1
انتهى عقد مستأجر لمحل تجاري يقع بعجمان في 31/05/2019.
لم يجدد العقد حتى الآن وطلبت منه أن يجدد العقد لكنه رفض وقال أنه سيُخلي المحل خلال فترة قصيرة، قلت له ستدفع الإيجار عن المدة الإضافية لكنه رفض.
ما العمل؟ وهل يحق لي إجباره على الدفع؟
Jun 27, 2019
2327
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