Q: I have four credit cards which I am using last 5- 6 years. My financial situation has currently changed dramatically, and I am not in a position to repay the minimum payments. Until the last month, all the payments were accurate. All four credit cards entitle to use AED 100,000. As per my knowledge, the bank will file a case against me and I would like to know what actions can I take to avoid prison. In addition, I think I need a lawyer so that he can take care of my documents and release me if they will catch me. Could you please tell me what will the next step be? How can I get a court decision in my favor and obtain a police clearance certificate after all this? Thanks.

Q: Hello. I owe a bank here in the UAE a credit card debt amount. Due to circumstances (losing my main source of income, having other financial burdens, including monthly medical bills for cancer treatment & medications etc., and  I don't have health insurance), I haven't been able to pay back on time since over a year ago. Hence, that amount has since accumulated from a small figure to a relatively big one (currently at around AED 70,000). I have received an email recently from some "credit collection" agency, saying that if I don't pay back next month, they'll put a travel ban on me and file a civil case. However, it is impossible for me to pay this amount at this time. I am currently making "some" income (not as close as I used to before, but still), and have the intention to resolve this issue. Is there any way to reach a settlement with the bank (maybe to waive part of the amount or the interest), break down the monthly installments to smaller amounts, or any other solution you would suggest? Many thanks.

Q: Salam Mr Khalifa, Quick question if possible. If someone has a credit card and he wants to stop it and discuss the settlement of the pending amount with the bank, will there be a travel ban during that period?

Q: Hi Anitha, Due to the financial crisis, I am a defaulter of 2 cards. Now, what will be the next step they will do?

Q: I had defaulted on 2 credit cards when I lost my job and came back to my home country. Now, I have settled both cards and wish to visit again. How much time will it take the banks to remove the travel ban or withdraw any cases against me after the ban? Will I be allowed to travel?

Q: I have 2 credit cards. One of them started in 2016 and was not paid from Dec. 2016. Can the bank file a civil case against me after already filing a criminal case in court now? The other credit card was started 5 years before. Can the bank file a civil case against me? They are calling me every week. The limit was 75k and the bank said they are now calculating interest and reached approx. 110k.

Q: Hi One of my relatives lost a civil case (final judgment) with a bank around 3-4 years ago, the total amount is around 9 million dirhams. There are 3 people who have been asked to pay this amount. He does not have the full amount but is willing to make some payments, is it possible to negotiate the amount and get the case finished?

Q: I have an arrest warrant issued against you for a civil execution non-payment of AED 2 million. How much can you pay as a down payment to stop the arrest warrant and get bail? To pay the balance.

Q: Dear Sir/Madam, I took out a credit card and did not pay the dues for 3 months. I received a notice to pay. I have now arranged to pay the overdue amount. The card limit is 15,000 and the overdue amount is 3,300. I have arranged to pay 3,300 and then make the full payment of the card before next month's due date. Will legal action be taken against me even if I pay the overdue amount? Kindly clarify!

Q: How much time does the bank give if I opt for a one-time settlement to clear the debts? The bank has already filed the execution and the arrest warrant has already been issued. Thanks

Q: If someone has a civil or rental case on him, will his assets like a car or bank account get on hold?

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

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.