Q: Hi Hari, Good Morning! I have 4 credit cards and the total limit is around 80 thousand AED. I defaulted and stopped paying for 6 months. I got a message that the bank is going to file a civil case. Is there a chance of four different police cases against me? Please advise, is it possible they can book a civil case for the sum of 80 Thousand?

Q: I left Dubai 10 years ago with an unpaid credit card and a personal loan. I was contacted a few times by a number of different collection agencies but none were willing to put an affordable payment plan in place to repay the debt and I was not in a position to settle the debt in full. My husband has now gotten a job in Dubai, how can I resolve my case so that I can travel to Dubai with him?

Q: 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.

Q: I have left a signed checkbook in my office. I left Dubai in 2001. In 2016 I came to know that my manager misused the cheques and issued cheques in 2003, 2005, and 2006 amounting to around Aed 60000 in my absence. As I want to go back to Dubai, can you find out the details of my cases in the police and immigration computer and how to clear those cases as it is more than 15 years when the cheques were misused? Please help! Thanks and regards,

Q: Dear Sir/Madam, I would like to get the details of my financial case, which is currently being processed at Al Barsha Police Station. Who can assist me?

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

What shall I do if I have a bounced cheque? You need to contact your lawyer as soon as possible to issue a travel ban against the person who issued the bounced cheque. It should be noted that time plays a very important role in bounced cheque cases.

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.

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.