Q: Good day, Sir, I have one question. My brother in law ran away from his debt with Dubai Islamic Bank amounting to around AED 165,000.00. Now, he is planning to apply for a job in Saudi Arabia. Is there any possible way for us to check if he is banned within the GCC countries? Will he be arrested once he enters the GCC countries? Thanks

Q: Ms. Nikhat, I'm in India. Please advise on an ongoing issue with me for the last 2 years and for no reason, or you can say suffering without fault. I have issued cheques in a settlement for my cousin regarding his civil case. It was a claim of 2.2 Million with dividing the amount into 12 cheques of 20k each, and rest of the amount of AED 1.7 Million approximately in 13 months. Where it was clearly written in the agreement that as soon my cousin got his chequebook from the bank, all my cheques get replaced with the new one. As it took 2 months to get the new chequebook because of cousin's visa expiry, the other lawyer refused to replace my cheques and said if you want to replace they will keep my cheques as a guarantee. So we could not replace them with new cheques. He put my cheque into the bank and I left the country in August 2016. I'm still out and only my cousin is there in the UAE arranging the fund without any success. I lost my 12 years of Dubai experience and doing nothing. I don't know if I will face any issue in immigration for Qatar.

Q: I have a loan with UAE bank: 1 credit card outstanding value is 22,000 AED & one personal loan around 85,000 AED. I lost my job on Jun 2016. From there I unable to pay my EMI (6 months). Bank is not agreeing for settlement plan as per my request. Now they are saying they are going to file a case.Now my doubt, if I get a job in GCC other than UAE, will police catch me in the airport in any GCC? OR arrest is possible only if they file a case in that particular country?Please, advise.

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.