Questions & Answers
Questions & Answers
6 available 6 • View allPresenting the guarantor cheque if the loan original cheque bounces
0
Q: My bank presented my cheque which bounced obviously. It was against a loan amount, they had taken a cheque from my guarantor for the same amount.
Can they present his cheque? And is it legal to present two cheques for the same amount and for the same loan account?

Jun 1, 2020
1099
Liability of a guarantor after the debtor fled the country

12
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?


Oct 9, 2018
7521
What are the consequences of unpaid debt on the guarantor?

1
Q: I guaranteed a bank loan for my company although I'm not a shareholder. The owner guaranteed too but he resides in South Africa.
The South African business owes the UAE business AED 850k and the bank loan outstanding is AED 880k. I am owed AED 1000k in unpaid wages/personal loans to the company.
Can the bank come after me for loan settlement (payments are currently up to date) if there is a default even though I'm owed more than they are?


Aug 18, 2021
423
A friend took a bank loan and credit card on my name and disappeared. What can I do?
2
Q: A friend has taken a loan in my name. I was helping out and he brought all the bank people to me. I have not even known the amounts.
He has managed everything, I have only signed and done everything according to his instructions.
Two days ago he promised he will pay off half and had the money in INR and needs time to convert it. And now he has disappeared, his number is unavailable and everything.
The amount is not small two. One was a credit card he gave me himself as an employee of the company and has outstanding there too.
Can I file a police complaint?
I have WhatsApp chats

Mar 8, 2022
527
How to remove a travel ban imposed on a guarantor upon debtor's death?
3
Q: Hello,
I made a personal guarantee for my brother to get the bank loans. He was not able to pay the loans and a travel ban was imposed on us.
Now my brother died and still, we have civil cases.
Please how can the travel ban be removed?
Thanks!

May 1, 2022
433
My friend is willing to act as a guarantor to lift my travel ban. Is he eligible?




2
Q: Good morning, everyone!
I have a cheque execution case with a travel ban (although the ban doesn't show in the DC case data). I'm a salaried employee with a monthly income of 10,000.
My best friend, who runs a business in Dubai, is willing to act as a guarantor for my travel. Is he eligible for this role, or should I find someone who is also salaried, like me?
I don't have any blood relatives here. How long does the approval process usually take?





Feb 14, 2024
1188
Legal blog
1 available 1 • View allFailing to Honour Bounced Cheques in Loans and Other Transactions 8
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.
Jan 15, 2020
7121
Laws & Regulations
3 available 3 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47958
Federal 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
148543
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.
Sep 27, 2020
3563

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Other answers by
What legal action can a company take to recover an amount from a non-paying customer? 0
Hello,
We are a building materials trading company based in the UAE. We supplied materials worth AED 50,000 to a customer around 8 months ago, but despite repeated follow-ups and reminders, no payment has been made to date.
We would appreciate guidance on the following:
1. What legal action can we take to recover the amount?
2. What documents should we have ready (e.g., delivery notes, invoice, emails)?
3. How long does the legal process typically take in the UAE for such cases?
4. Is there a recommended timeline or deadline after which legal steps should be initiated?
Thank you in advance for your advice!
Apr 25, 2025
55
هل يسجل الطفل قانونياً بالإمارات في حال كان الفرق بين عقد الزواج الشرعي والولادة تقريباً 166 يوم أقل من 6 أشهر؟ 0
السلام عليكم
هل يسجل الطفل قانونياً بالإمارات (أب إماراتي يحمل جواز من الشارقة ، أم وافدة) في حال كان الفرق بين عقد الزواج الشرعي والولادة تقريباً 166 يوم أقل من 6 أشهر؟
هل يمنع من استخراج شهاده ميلاد؟ وما هي الإجراءات والعقوبات المتوقعة؟
مع العلم بأن الأب معترف بالطفل قبل الزواج وبعده.
شكراً
Apr 25, 2025
24
After closing the company, can an investor stay in the UAE until the residence visa expires? 0
Hello,
An investor has a residence visa valid until February 2027; however, he wishes to close the company before the current license expires in December 2025.
Can the investor still legally reside in the UAE until the residence visa expires?
May 2, 2025
22
Despite a waiver, the case is still with the public prosecution. Can I travel? 0
Hello,
I had a case regarding fraud by technical means, and we did a tanazul.
It was attested and submitted to the court, but the case still hasn’t been dropped and is now with the public prosecution.
What do I do now, as I need to travel urgently?
Apr 28, 2025
32
How can I register a complaint against my employer for holding my passport after visa cancellation? 0
My new employer is not changing my visa status and refuses to provide cancellation papers, especially when I don’t recall signing any cancellation documents and haven’t received my gratuity yet.
How can I register a complaint against my employer for holding my passport after visa cancellation?
I had completed my one-month notice period and followed all procedures properly when I resigned. I'm currently working in a free zone company.
Apr 18, 2025
46
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