Q: There was a case filed against me in Muraqabat Police Station for bouncing cheque. I was not able to pay my loan for more than 4 months as I lost my job and unable to pay. I informed the bank and negotiated with them, but they want me to pay at least half of the loan amount. My problem now is that I got a job offer but my new employer cannot issue an employment visa for me as I am in the blacklist status. My previous employer also cannot cancel my visa, they were able to cancel my labour card and already beyond the grace period of 30 days. My previous employer told me that they will present my passport to the visa section and file an absconding case against me. Please advise if they can really push filing an absconding case against me? What shall I do regarding the bounced cheque so that my new employer can process an employment visa for me?

Q: Hi, I'm currently employed in Dubai and have a personal loan and credit card outstanding balance with a private bank in the UAE. I used to pay my EMIs on time and it is in order. Now, I got a new job offer and wanted to move. My current company will cancel my visa and I need to exit the country then come to Dubai with the new company's visa. My doubt is since I have a personal loan, will it be a problem in immigration at the airport while I exit the country? I need your advice. Thanks in advance.

Q: Good afternoon, Myself H., I have a few outstanding like Auto Loan and Credit Card in the UAE, in which I couldn’t pay my EMI for the last few months. I am unemployed and out of the UAE. Now, I got a new job in the UAE and my new employer couldn’t process my new employment visa. They got the visa approval but didn’t release it from Immigration. That's what they informed me. So kindly advise me how can I sort this issue and complete my visa process. Thank you

Q: I have unpaid credit cards and loans in one bank here in UAE. I don’t have a job for 5 months that's why I was not able to pay my liabilities. Now, I have found a job and will provide an employment visa. Can they issue a visa for me without any problem if the bank files a case? But as of now, there is no case from the bank because I am coordinating with them.

Q: Dear Sir/Madam, My car was hit in a hit-and-run incident in front of police personnel, and they asked me to file a case. So I did, and now it has been 5 months, but the case has not yet been resolved. Now, I want to cancel my visa and leave the country. Can I withdraw my case due to this, and what could happen after? The case has been at the prosecution stage for more than 3 months now. If you could advise me on this, it would be greatly appreciated as I intend to start my studies abroad.

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.

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.