Questions & Answers
Questions & Answers
3 available 3 • View allPersonal insolvency procedures in case of losing job and defaulting on credit cards
1
Q: My service has been terminated by the company as it is stopping its operations in the UAE.
I have 2 credit cards that have a due amount of nearly 130K for which I keep paying the EMI so far. Meanwhile, I don't have any job offer in my hand.
How can I manage in case I have to leave the country, or if not, in a position to pay the due immediately?

Oct 30, 2021
454
Applying for insolvency under Federal Decree-Law 19 of 2019

1
Q: I want to apply for insolvency under Federal Decree-Law 19 of 2019.
Seeking advice.


Feb 18, 2020
766
Procedures of insolvency as per the new Insolvency Law of Natural Persons
1
Q: The UAE cabinet approved a new law - The Insolvency Law of Natural Persons.
Please advise how to file the insolvency case before the court and the documents required for filing the case.

Jan 23, 2020
815
Legal blog
3 available 3 • View allBankruptcy Law and Personal Insolvency Law 10
This article will briefly explain about the Personal Insolvency Law of 2019 and Bankruptcy Law of 2016 in the UAE. Previously, there was only the Bankruptcy Law that was available for the commercial companies, merchants, traders, and similar persons who were suffering from the financial crisis but now individuals have such options available as well especially considering the effects of COVID-19. Both laws were issued to assist distressed persons and entities by offering them settlement options.
Oct 1, 2020
4984
The Consequences of Job Loss and Defaulting on Financial Liabilities 26
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.
Feb 12, 2019
18962
Filing for Bankruptcy and Insolvency in the UAE: What You Need to Know 9
Dealing with financial difficulties can be overwhelming, but the UAE provides a comprehensive legal framework to manage bankruptcy and insolvency in a way that benefits both debtors and creditors. Understanding these laws and how they work can make a huge difference in navigating the process successfully.
Nov 12, 2024
392
Laws & Regulations
3 available 3 • View allFederal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
Sep 7, 1993
33081
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148573
Federal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47974

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Other answers by
My husband sold the house we bought jointlyand took a cheque plus 1-year instalments from me. What can I do? 0
Hi,
I am a non-Muslim indian expatriate, residing in Dubai since 2015. The first 5 years, I was on a working visa, and after the delivery of my first baby, I left my job and became dependent on my husband.
In 2018, we bought a house together where I invested AED 2 hundred thousand from my income (I have proof in the form of a cheque). I also paid AED 3300 monthly installment for 1 year, for a personal loan taken out for the house.
But in spite of my resistance, my husband tactfully put the house in his name, so the title deed was in his name. In 2024, when my kids and I were in India for vacation, he cancelled our visas and residency. He also filed for a divorce in India.
The divorce is not yet finalised, and we are still married. Since August 2024, he hasn't let me access my house in Dubai, so I filed a case, which eventually went in my favor in January 2025.
Since I used to travel on a visit visa, I left for India and returned in March, to find out that my husband had already sold the house. The new owner is residing there.
What can I do now?
Help!
May 1, 2025
25
How can I be exempted from paying the 5% court fee, and where should I go to apply? 1
Hello,
How can I be exempted from paying the 5% court fee, and where should I go to apply?
Mar 18, 2025
83
Can we claim and sell a liquidated customer’s goods to recover debts through Dubai Courts? 1
Hello,
Our customer has gone into liquidation, and we are shipping goods to Saudi Arabia. We have stopped the shipment and requested payment of their outstanding balance.
How can we request to take ownership of their goods to sell in order to recover our outstanding invoices? Is this possible in Dubai Courts?
Feb 6, 2025
90
I purchased an apartment, but the previous landlord refuses to vacate. What to do? 1
Hello,
I bought an apartment, but the previous landlord is refusing to vacate it. The contract clearly states that the landlord should hand over the apartment on the day of the transfer.
Out of courtesy, I gave him three days to vacate so he could find a new place to stay, but the time has passed, and he is still refusing to vacate and hand it over.
What should I do in this case?
Feb 4, 2025
83
My hair was damaged by a very known and professional salon. Can I seek refund and compensation? 0
Hello.
I went to a very well-known and professional salon (or so I thought) for a normal hair dye. The guy who did my hair left the dye on my hair for over an hour when it was supposed to be on for a maximum of 30 minutes.
He wasn’t paying attention to me walking around the store talking to everyone and also doing another customer's extensions.
Now my hair is potentially damaged, my skull burns, and is flaky (meaning the dye wasn’t ammonia-free which is extremely unprofessional for such an expensive salon).
I didn’t even get the outcome that I wanted and the dye color doesn’t even show. I talked to him about it but he shut it down so fast and gaslit me the whole time and made me feel like I was the wrong one and I was ‘complaining about something so light’.
Please let me know what I can do legally about this.
Thank you.
Jan 31, 2025
78

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Can I be convicted of driving under the influence even if the alcohol test came back negative? 0
Hello,
I was driving my car when the police stopped me at one point on the road and told me that I was driving under the influence of alcohol.
I tried hard to deny that because I had not actually consumed any alcoholic beverages that day or in the previous three days.
However, a report was filed and a case was opened, but the alcohol test report came back negative. Will I be convicted despite that?
Please answer me. It is urgent.
May 7, 2025
21
Can we legally claim unpaid dues for food supplies based on emails and invoices? 0
Hello,
We have an agreement with a company to supply food for their buffet on a daily basis, with invoices to be issued monthly and payment to be made every three months.
The relationship actually lasted for nine months, and payment was made for two periods. In the third period, due to disagreements between our company and the company to which the supply was made, they refused to pay, noting that the outstanding amount so far is fifty-four thousand dirhams.
Can we claim the amount, noting that the agreement is not written, but there are emails exchanged between us and invoices?
May 7, 2025
17
Can the authorities allow me to leave the UAE on my own after completing my imprisonment? 0
Hello,
Is there a way out or a possibility that the authorities don't deport me and instead give me a time period to leave the UAE on my own after I have completed my imprisonment and paid the fine?
May 7, 2025
19
Is it possible to pay a fine instead of serving 1 month imprisonment and still face deportation? 0
Hello,
I got 1 month imprisonment, a 100 AED fine, and deportation.
Is there a way out if I can pay instead of serving 1 month imprisonment and still get deported?
May 7, 2025
11
A hair salon caused serious damage to my hair and scalp. What can I do to sue them? 0
I’m looking for legal advice regarding a hair salon incident that caused serious damage to my hair and scalp.
I visited a salon for a colouring treatment, during which two rounds of bleach, which is not what I booked in for, were given to me without proper approvals, and were applied back-to-back without a strand test or proper consultation.
As a result, I’ve been experiencing extreme hair breakage, daily hair loss, and ongoing scalp irritation. This has been especially distressing as I’m currently pregnant.
It’s now been over 20 days since the incident, and despite multiple polite follow-ups, the salon has ignored all communication.
I’m now exploring legal action to pursue compensation for the physical and emotional distress caused. I have full documentation, messages, and photos.
Any guidance on the best next steps or legal routes I can take would be greatly appreciated.
Thank you in advance.
May 6, 2025
25
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