Q: Hello, I signed as a guarantor for my brother for a company loan he took, I was a partner. However, my brother has left the country 2 years ago. Now, I have a civil case on me and the court and bank ask me to pay the amount of AED 450,000. Please advise, what happens if I am unable to pay this money?

Q: Hello I signed as a guarantor for a person's company loan for AED 500,000. The person is no longer in the country and now there is a civil case on me. What is the penalty or jail term I would be looking at? If I go through the jail term, is the outstanding amount is also cleared?

Q: Am I responsible for the unpaid debts of my husband? My husband took a loan in Dubai. We were paying installments on time but later on, he lost his job and we had to move back to our home country. Now he can’t go back to the UAE until he settles his debts. My company wants me to go to Dubai for some official work but I am not sure if I am able to travel freely or I am also banned to travel. Please, can someone help me with this?

Q: What is the enforcement process of a personal suretyship? My maid agreed in writing to be the guarantor of a private loan (AED 10,000 + AED 2,000 interest fees) for a principal debtor against the beneficiary. The principal debtor left the country and is not available. What rights and possibilities does the beneficiary have against the guarantor?

س: كفلت أخي مجرد ضمانة عادية بدون أن أطّلع على الأوراق في البنك ثم فوجئت بحكم تنفيذي عليّ وأنا قد أُخرجت من عملي بنفس تاريخ القضية. الآن كل أموري متوقفة حتى أولادي لا يدرسون للعام الثالث. أرجوكم هل من حل؟ وجزاكم الله خيرًا!

س: السلام عليكم، قمت بكفالة شخص قريب لي كفالة عادية، ولقد استحق الدين منذ أكثر من 6 أشهر ولم يتخذ الدائن خلال هذه الفترة أي إجراء قانوني ضدنا أو يرفع دعوى مطالبة مالية. هل تسقط الكفالة في هذه الحالة بالتقادم؟ شكرًا جزيلاً!

Q: Hello, I was a resident of UAE and got diagnosed with HIV positive recently. I was asked to leave UAE immediately and left on the same day. I have a personal loan of 600000 AED from a UAE bank. Now I'm back in India taking HIV treatment and I'm almost left with no money for treatment, struggling a lot for daily expenses without an income. Also, I have no property with me to pledge or sell (my parents have a 40-50-year-old property which is in court litigation by my siblings). Now my question is: What consequences will I face and how soon for the unpaid loan in UAE? Can the bank/collection agency claim my parent's property? I don't know how long may I live in this world. My kid and wife have no income other than mine. Only by selling my parent's property, they can lead their life after my death. If this property is claimed by the bank, then I don't know what to do. This is also affecting my mental pressure and health further. Please advise!

س: مرحبًا، أنا دخلت إلى دبي بفيزا سياحية وباقي منها شهرين. هل يحق لي أن أكون كفيلاً أو ضامنًا ماليًا لشخص آخر مقيم؟ وشكرًا!

Q: Hello sir, I hope you are doing well! I had unknowingly signed a personal guarantee of a loan taken by my husband for his general trading. Now I am liable to pay the debts when my husband has defaulted even though I was not a partner or related in the company. I am a housewife with no source of income and have no assets or even bank accounts in Dubai under my name. How can the court instruct me to pay the debt?

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.

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.