Q: Hi Sir, I need to travel to the UAE but I have some credit card dues. Could you tell me what will happen when I am re-entering the UAE? I lost my job and I had to exit the UAE. Now I need to go back to the UAE for job finding. What are the consequences I will face at the UAE airport?

Q: Hi, My name is A. I was working in Dubai since 2013 and I lost my job in April 2019. I cancelled my residence visa and took a visit visa for one month. But due to some credit card case, I was not able to renew the visa and I overstayed 6 months. I had to exit the UAE on 26th November 2019 without a pass. Can you please let me know what is the possibility to be back in the UAE and apply for a residence visa?

Q: I had a personal loan with a bank in the UAE. I lost my job during the pandemic in April 2020. I stayed in the UAE till Nov 2020 searching for a job but I couldn`t find a job so I was planning to travel to India. They filed a criminal case in October 2020 so I couldn`t exit the country. I paid a fine of 10020 AED in Dubai police station and lifted the ban, then I exited the country. The bounced cheque amount from the bank was 131000 AED. I had a credit card outstanding of 24000 AED from another bank. Now the outstanding is 41020. How to resolve the issue as I am out of the country. Will it affect traveling to any other GCC country? They have filed a case now.

Q: Hi Sir My visa has already been canceled and I want to go back to Pakistan but I have a travel ban. What can I do now?

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 loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.

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.