Questions & Answers
Questions & Answers
5 available 5 • View allAvoiding legal consequences related to a loan
1
Q: Dear Ma'am,
I have an outstanding loan (amount: 25k) for a bank but unfortunately, I have lost my job last April 2019, but now I want to settle it.
So what is the minimum amount I should pay to avoid any future consequences?
Thank you!
Best Regards,
R.

Feb 2, 2020
544
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
38767
Settling a case for defaulting on a personal loan with the bank
5
Q: I took a personal loan from a bank in Dubai, 130000 total. Now, my pending is 99300. I lost my job and now I got another job but salary much less, so some dues came.
Now, the bank deposited my guarantee cheque and it bounced. They filed a case against me for cheating the bank.
How can I solve this by paying a fine?
I am not able to pay now monthly.

Jan 13, 2019
7325
Inability to pay loan installments after termination. What to do?

1
Q: Dear questioner,
I got terminated from a company within the probation period. I have a personal loan of 70000 AED and paid only one month's EMI.
I can't pay the loan until I get another job.
Please advise what I have to do!


Nov 14, 2022
420
Is it possible to negotiate with the bank to consolidate my loan and credit cards?

0
Q: Hello,
Is it possible to negotiate with the bank to consolidate my loan and credit cards balance when I'm outside the UAE?
I have already resigned and relocated to another country. I've left a remaining loan balance of AED 170k + 2 credit cards balance (10K + 34K). My gratuity (33k) is being held by the bank and I missed this month's loan payment.
I don't want to incur more interest by paying only the minimum on the 2 cards and wanted to negotiate with the bank to consolidate all debts into a single monthly payment. Right now I can only guarantee a 5K monthly payment.
Please advise


Apr 28, 2023
121
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
18906
Laws & Regulations
1 available 1 • 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
148436

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Other answers by
1295 1295 answers •
View allIs the compensation for notice period deducted on the basis of full salary or basic salary? 0
Hello,
I understand that if anyone wishes to resign without serving their full notice period, they are supposed to compensate the employer for the remaining time that they didn't serve the notice, also known as "notice Compensation".
Is this notice compensation deducted based on the full salary or on the basic salary?
Mar 21, 2025
72
Can I hold the delivery of goods to a buyer outside the UAE if he defaulted on payment? 0
I, as a UAE-based Seller, entered a sales agreement with a KSA-based Buyer. The Buyer defaulted on the LC payment, breaching the contract.
The goods are stuck at the port as they need original documents, which I am holding to recover the outstanding balance.
They later made a partial payment but now threaten to cash the PBG (UAE bank) I provided if don't release the document.
The contract mandates DIAC arbitration but lacks a governing law clause. I need advice on:
1. Which law applies to this dispute?
2. Where can I seek an injunction to prevent PBG encashment, given the Buyer’s bad faith and breach? Or should I send a letter to their bank with the brief above?
Kindly advise.
Mar 21, 2025
49
I purchased a rented apartment in Abu Dhabi. Can I evict the tenant immediately if there is no Tawtheeq contact? 0
I recently purchased a rented apartment in Abu Dhabi and agreed to honor the existing lease. After the transfer, I discovered that the lease is not a Tawtheeq contract, meaning it is not officially registered.
Since I am not receiving rent (as it was a non-refundable arrangement with the seller), I prefer not to issue a new Tawtheeq. I also want to avoid a formal notice to vacate to prevent disputes, as I plan to move in.
However, I have already informed the tenant that I will not be renewing the lease. I need legal advice on the implications of proceeding without a Tawtheeq contract.
What are my risks, especially if the tenant refuses to move out?
What legal actions, if any, can the tenant take in this situation?
Mar 25, 2025
68
Changed my mind before signing the lease agreement. Are my post-dated rent checks at risk? 0
Hello,
I recently found an apartment for rent and agreed with the agent to make payments in three installments.
I provided the agent with post-dated checks for the second and third payments and planned to transfer the first payment, deposit, and agency fee to the agent’s account once the lease agreement was finalized.
However, the lease agreement has not been finalized yet, and I have since found a better place. Since I have not signed any lease agreement, should I be concerned about the landlord cashing the checks for the second and third payments? Is it legal?
Additionally, the agent requested an extra 2,000 dirhams beyond the amount he intended to include in the lease agreement.
Mar 25, 2025
50
Can the new owner use the old eviction notice to re-rent at a higher rate? 0
Hello,
My landlord issued an eviction notice stating an intention to sell.
He has since sold the property before the eviction date, and now the new owner intends to use the old notice to evict me and re-rent the apartment at a higher rate.
Is this allowed?
Mar 24, 2025
115

Other answers by
32 32 answers •
View allهل يمكن للزوج منفرداً نقل دعوى طلاق من الإمارات إلى البلد الأم؟ 0
السلام عليكم
أنا وزوجي أردنيين مقيمين في الإمارات. قدمت لطلاق الضرر وحضرنا جلستين مع التوجيه الأسري ولم تتنتهِ القضية.
هل يستطيع زوجي نقل القضية لإكمالها في الأردن مع رفضي؟ أريد إكمالها في الإمارات.
وشكراً
Sep 26, 2021
484
كيفية إثبات الزواج في الإمارات لمواطنة تزوجت في مصر 0
السلام عليكم،
أنا مواطنة وتزوجت من مصري في مصر وتم إثبات الزواج في مصر بختم الخارجية الإماراتية وختم السفارة المصرية في مصر وختم الخارجية المصرية.
لدي ٣ أطفال وتقدمت بإثبات الزواج في الشارقة وتم الرفض. كيف أثبت الزواج في الإمارات؟
Jul 6, 2022
342
I want to resign and file a case against the employer for cutting down salaries 0
Hi,
I am working as an Engineer in a free zone company in Studio City, Dubai, since 2019 till date. My visa is issued in Abu Dhabi.
From March 2020, they cut down my salary & issued a letter stating that my salary has been cut down from April-20 to Aug-20 by 25%.
But even after August 20, they did not only pay me my initial salary but my salary was cut down a lot more and irregular.
The total pending is about AED 95,000+ to be received to date. Also, the company did not pay for insurance renewal and I was forced to take my own medical insurance for myself & to sponsor my wife's visa & insurance.
I have decided to resign and cancel my visa immediately due to a new job offer.
Is it better to raise the case while on their visa or after changing their visa?
Within how many days should I raise a case after changing my visa and cancelling my work permit?
Kindly provide your opinion on how to proceed.
What are the chances that I get my pending salaries in full and gratuity?
Mar 2, 2022
389
حقوق الزوجة في حالة الخلع فيما يتعلق بالنفقة والحضانة 0
السلام عليكم،
في حال تقدمت للخلع بسبب الإيذاء النفسي والهجر داخل المنزل واستمرار الصراع، هل أحصل على حضانة الأطفال؟
وما الذي أحصل عليه فيما يتعلق بمصاريف الأطفال؟
علمًا بأن لدي أربعة أطفال.
وكم يستغرق حكم الخلع؟
Feb 15, 2022
5353
Is it legal that my employer terminates me after resigning? 0
Is it legal that my employer terminates me after resigning?
While I have a signed copy of my resignation from HR and my direct manager dated almost 20 days prior to the termination letter disclosing that I breached the contract according to Article 120.
Jan 28, 2022
241

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Other answers by
477 477 answers •
View allCan a Muslim man marry a Muslim woman in the UAE law? 0
Can a Muslim man marry a Muslim woman in the UAE law?
Dec 27, 2022
244
How to know the reason for rejecting the police clearance certificate? 0
In case of police clearance certificate rejection, do the police give a reason for rejection?
Apr 24, 2023
877
Can I cancel my house sale contract without extra fees after personal plans changed? 0
Dear Lawyers,
I signed a Form F with a buyer for the sale of my house as we were planning to leave the country. The contract was signed about a month ago, but the handover is not until August.
Due to personal circumstances changing, we are no longer leaving Dubai and would like to cancel Form F.
The Form F contract stipulates that we have to pay the buyer 10% of the purchase value. The real estate agent is now claiming that we also have to pay the buyer's real estate commission and the conveyancing fee.
Our understanding is that the 10% penalty is the only penalty. Which is correct, and what are the next steps to dispute this?
Also, is there any way to dispute the 10% itself under the law due to personal circumstances changing?
Jul 12, 2024
578
Can the landlord evict me from apartment for personal use if he lives in his own property? 0
The owner sent me a notice by email saying that he doesn't want to renew the contract for the purpose of personal use.
He didn't mention what this personal use means. He already has multiple houses for rent and he has his own which he is living in currently.
Is it legal to evict me?
Thanks
Aug 31, 2023
344
How to know if an offer letter I received from a company in the UAE is legit? 0
I got an offer letter from Al-Haldin Gulf Construction & Petroleum LLC. Can you please advise about the company?
Mar 18, 2024
244
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