Q: I was working for Etihad Airways as cabin crew. I got fired last March so I couldn't pay my loan to the bank. I tried to find a job but I was not lucky. However, when I came back home, a hotel in Dubai sent me an offer letter. But the bank sent me a notice about legal action. If I don't pay the last 4 months I will be facing a big problem with the court. What should I do? Please advise.

Q: Dear Sir, I had a loan of AED 20,000 and I was paying my instalment every month until I lost my job. My outstanding amount was only AED 8000 by then, but hence I didn't have a job and I couldn't pay for 7 months. However, as I found a new job I started to pay again but a case was filed already by this time. I was jailed for 2 days and I was presented to the courts where they gave me a fine of AED 2000, then I was released. Now, the recovery department is calling me again and telling me to pay AED 14000 as they say that's my current outstanding amount. They say that a civil case will be filed if I fail to pay. So what will happen if they filed a civil case? Please advice.

Q: Dear Sir/Ma'am, Please tell me what I should do next after being imprisoned for a month and paying the fine for a bounced cheque (unpaid salary loan as I lost my job). They did not give me a receipt and/or any sort of clearance after paying, They just let me out of the jail. I am still in the UAE and will join a new company. Will I be able to get a visa? Hoping for your fast response. I really appreciate it. Thank you. Luba

Q: Dear Sir, Need your advice. I took a loan of AED 64000 more than a year back and currently the outstanding amount is AED 51000, but as I don't have a job now, I am unable to pay the rest. As I know from 2019, there is no imprisonment or criminal case, but if the bank files a civil case against me the fine will be around AED 5000 imposed upon me by the court. Currently, even I don't have a single penny and I am struggling for daily expenses. Kindly let me know how much time will the court give me to pay the AED 5000 fine. What will be the consequences if I can't pay the fine within 1 month or 2 months time? Also, let me know how I will be able to lift the travel ban if the bank imposes it on me somehow.

Q: Sir, I have more than 100k due salary from my company & my bank pending liabilities are 80k only. Since I have several month's salary delay, I could not manage my bank liabilities on time. Please advise what will be my position if I file a case against my company to force the payment and settlement of my dues? Is there any possibility to hold the payment to the bank till settlement of my overdue salaries. Regards S.

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.