Q: Hi Sir. My name is K. A. D. P. I have been working in Dubai since 2005. But unfortunately, in 2017 I lost my job and the company closed. So I didn't know what to do because my family is with me and I have a flat with 2 cheques pending that I can't pay. My personal loan balance is 17000 thousand. I have no other option I took my family and moved back to Sri Lanka to drop them but the situation stopped me from coming back to Dubai now. I need to come back but I believe I have these 2 cases against me. Before I come I need to know any fine I have to pay or any other punishment I got. Please, Sir, do let me know. I need help from the Dubai police. Kindly help me. Thanks

Q: Hello I was working between 2016 and 2020 in a company. The owners ran away without any notice during the Covid lockdown. Due to the lockdown, I couldn't get a new job, so I decided to leave the UAE with my family. I have no intention to cheat anyone, but unfortunately, I could not pay any credit card dues until now. I got a good job again in the UAE. After the cheque bounce case was decriminalized - is there a chance to stop me at the airport? Now, I am working in business development so I need to travel to other countries as well. How can we check any travel ban, criminal case, and civil case? I can be ready to pay in installments one by one. The total amount is around AED 120,000 for 5 credit cards. One more question: In my new company, I need to visit various countries for work purposes at the time if I pay a fine in court/if no civil case against me. Can I get a police clearance certificate to travel to other countries or apply for a visa to other countries? Advanced thanks to all and looking forward to hiring a lawyer to solve this problem.

Q: I would like to ask about the situation of my friend. He got a loan in the UAE and because of the Covid, he lost his job. He went back to the Philippines and now he wants to come back to Dubai to get a chance to pay his loan. What steps does he need to do so he can come to the UAE without getting in trouble?

Q: I left the UAE due to the loss of my job and have credit card payments overdue. However, I found a new job in another country and was in touch with the bank to restructure my credit. Due to the big monthly installments offer from the bank side, we couldn't reach an agreement. Now the bank is emailing me and threatening to take legal action against me in my current residence country. Is it possible I may face legal problems in my current country if I don't agree to the bank's terms? Thank you

Q: I have two credit cards in the UAE with the amount of 30,000 and 15,000 but due to a bad financial situation, I am unable to pay them back. Then I decided to move back to Pakistan to avoid legal action. I still haven't found any solution to pay them back because of my bad financial situation. The question is whether I am safe in Pakistan or if the bank can proceed with any legal action in my country. What do I have to do now because I am unable to pay them back?

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.

An interview-format article covering the topic of the travel ban and reasons leading to it in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.

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.