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 obtained a loan and also used credit cards from three different banks before leaving Dubai, UAE. The total amount is AED 200,000/-. Due to unforeseen circumstances, I was unable to make timely repayments and find myself in a challenging financial situation. However, I am now determined to fulfil my financial obligations and settle the outstanding loan amount. As I am still actively seeking employment, I am unable to pay the full amount in one lump sum. I have approached the bank with a proposal to repay the loan in manageable instalments. While they have offered a discount, they insist on the full payment rather than accepting my proposed repayment plan. I kindly request your guidance on the best course of action in this situation. Is there a legal avenue or negotiation strategy that I can pursue to secure a mutually beneficial arrangement with the bank? I genuinely intend to honour my commitment and repay the loan but require some flexibility considering my current financial circumstances.

Q: Hi, I was in the UAE and lost my job in 2016. I left with a credit of less than 300000 as I can't pay without the job so I came back. I want to know how I can clear my fine or cases now as I came to know from someone that I had a fine of 22000 dirhams. What if I pay the fine? Does it mean that all the cases will be closed? You can contact me by email. Regards

Q: Hello, I currently have an execution case (status reserved) for a bounced cheque (less than 300K). I found a job in Dubai as I want to pay back my debts. My future employer applied for an employment visa and I received the approved visa from the authorities today. Does it mean that I can safely travel? Or I will be detained at the airport? I'm confused. Thank you.

Q: Respected Sir, I have an unpaid loan of AED 40k in the UAE. For two years I have been in Pakistan and the company terminated me. Can I go again to the UAE?

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.

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.