Q: Hi Sir, Please, I need your help. I had a loan from FGB bank. I almost paid instalments for three years. Now, I am not in that condition to pay. There are 3 instalments due and I am getting calls from the collection and they are about to file a case. Could you please help me to know the penalty I may get, as my outstanding amount is just AED 24K? I have an Abu Dhabi visa, and they threatened to file a case in Sharjah.

Q: Hello Sirs, I badly need help. I was terminated from work due to a bad market situation to cut the cost. They let me use the company visa until I get a permanent job but the market situation is really bad. They informed me that the management has decided to cancel all pending visas of terminated people including mine. When my passport and documents were submitted to JAFZA, the cancellation was rejected due to a police case due to non-payment of a bank loan. I am so afraid they will catch me and put me directly in jail... If so, how can I start again and look for a new job to repay my loans? Please, I beg you help me... I'd been in a very painful stage of life losing everything... please help me... Thank you so much in advance.

Q: Hi , I left UAE during the financial crisis 2009 because I got laid back by my employer and I could not pay back my bank loan. The bank collection agents contacted me few times but I couldn't reach an agreement with them as I am facing financial difficulties as a single parent for 2 kids currently not working. l want to go back to UAE for a job offer. A friend checked for me with Immigration and Court. They found that there is a judgement in absentia of 6 months under my name and case filed requesting the amount of the loan plus the interest which I can not afford paying a single portion of it. Is there a legal solution to sort this out due to 9 years passed since I left the UAE? So I can get a job offer and support my kids and if my financial situation improves in the future I will try to settle the loan. This 6-month absentia imprisonment was issued 6 months ago.

س: السلام عليكم إخواني الكرام، قضيتي معقدة جداً بحيث أنه تم رفع عدة دعاوى من قبل البنك علي بسبب عدم التسديد. بعضهم أخدت غرامات وبعضهم سجن، وطبعاً ليس لدي القدرة للسداد بسبب مرض ابنتي بالاضافه الى دعاوى من اتصالات ودو وغرامات للسيارة وكلها للأسف مبالغ ليست بكبيرة ولكن دعاوى كثيرة. وطبعاً علي بلاغ هروب وممكن قرار إبعاد وأنوي تسليم نفسي، فهل سأبقى كل العمر في السجن لأنه لا يوجد من يدافع عني؟ أرجو التوضيح

Q: Hi mam, I had a loan in Dubai. I paid for some but then I couldn't pay for it anymore. They filed a police case of a bad faith cheque, amount of 78000 AED, what is the punishment in this case? Please advise! Thanks!

Q: Greetings! I would like to ask for legal advice. I started to take a loan in 2015 for 4 years, but during that period, I contacted the bank to make a restructuring. I continue paying to this date. Next year will be the 8th year. Is there a law that says after 7 years, no need to pay the balance amount? Am I still bound for a fine? Will my bank loan not appear in the credit bureau? Can I make a loan again after 7 years? Thank you!

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.