Q: I’m an Indian from Kerala. Due to the job loss and after getting in to fake company job, I’m forced to quit the UAE. After that, my dues prolonged and I was not in a position to get back to the UAE without clearing my dues. For the past 5 years I was totally collapsing and no good movement in my life and career. I want to come back for employment visa as I got an offer also. Before entering the UAE, my police case has to be revoked which is in Albarsha police station and don’t have enough money for paying dues also. My credit card outstanding is AED 17800 with a bank. Request your guidance and advice to settle my dues with small amount and revoke my police case before my visa gets stamped. Thanks S.

Q: Hello Experts, I need your kind advice regarding my loan. I had a loan of 250k and a credit card of 13k with a bank. When I left the UAE in March-20, my cumulative outstanding of both was 160k. Since then, I'm in Pakistan and hasn't come back to the UAE The bank has bounced security cheques and filed criminal cases. Now I have a job offer from Dubai and they already applied for my employment visa. Meanwhile, I'm negotiating with the bank for a one-shot settlement over the telephone. They are asking me to pay 112k one payment for the full and final settlement of both liabilities. They have waived off all the interest and just asking the principal amount in this way. Please advise if 112k is a good deal considering the situation or I should have to get more discount. Also, advise how should I go forward with them (they said, they'll issue a settlement letter/new offer letter, after which I'll submit the payment and then within 2 weeks they'll withdraw the criminal case).

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: Dear Sir, I was in Dubai and left 10 years ago. Due to financial problems, I have some credit card dues. Just want to ask you if they will take a fine at the airport or take me to the police station. What are the rules of the Dubai Government?

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.

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.

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.