Q: Hi Mr Naser, Thanks for your fast response. We are based in Abu Dhabi. Q.1 As we know that for a rent cheque bounce after the police case is closed and the civil case is opened, will the judge decide on the amount for instalments in this civil case? Won't he consider what we say how much we can pay? Q.2 During eviction case, when the rent/lease expires and since the lease is now connected with Tawtheeq which expires as well, will ADDC cut my electricity during this time? Q.3 My friend has a bank loan of AED 60K approx from a bank here in the UAE and he did not pay for the last 7 or 8 months. This bank has a branch in Pakistan. If he travels to Pakistan due to an emergency and the bank proceeds with its action, what action(s) will that be? (So far no action from the bank) Q.4 If he goes to Pakistan, what will be the consequences for an already running civil case of a bank loan default? Q.5 for a credit card security cheque bounce, can a bank directly file a civil case?

Q: Sir, my visa was cancelled and 30 days already finished. Do I have a fine for each day of overstay?

Q: Dear Sir, I have a loan from Dubai Islamic Bank. I paid only 6 instalments and the company terminated me due to medical unfitness after I had a heart surgery. Please advise me what to do.

Q: Civil case execution for payment of debt is there. The parties almost doubled the actual amount. 1. What if the person is unable to make the payment? What is the jail term and is it common for both cases? 2. The person is 65 years old. Is there any relief based on the age factor?

Q: Dear Sir/Madam, I failed to pay a credit card loan to a bank. They are threatening to file a police case against me. They keep calling my manager at my company. Can you tell me what will happen if they do file a case against me? I received a statement from the bank with CID on it. Does this mean I have a case now? And does it mean I can't travel? Please advise!

Q: I have a pending loan of AED 100k. I have been paying all my payments until this month, and I was deported from the UAE. Will they put a case if I don't pay this amount?

Q: Dear Legal Advice, I got redundant from work last June 2023. Until now, I have been unable to secure a job and I was diagnosed with breast cancer last Nov 2023. I asked my previous company to hold my visa and insurance cancellation because I need the insurance for my tests, procedures, and treatments like chemotherapy and radiotherapy sessions. But I have a bank loan and the bank called me and my previous company pressuring us to release the gratuity to the bank because I have 4 months overdue installments. The bank is threatening the company that it will cause an issue because there is no salary reflected in my account; they are forcing them to cancel my visa and release the gratuity. The bank is forcing me to send an email to my company to release my gratuity. If I do this, I will have no visa and insurance, my chemo sessions will be stopped, and my health will be at risk. What should I do? Does the bank have the right to force me and my company? Please I need your wise advice. Thank you.

Q: Hello, A relative of mine was recently arrested and detained for overstaying in Dubai. How do we go about getting him released and returned back to Uganda? Thanks.

An interview-format article covering the topic of overstaying your tourist or resident visa in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW. Ludmila discusses the aspects of overstaying, like fines, grace periods, exemptions...etc.

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.

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.