Questions & Answers
Questions & Answers
4 available 4 • View allHow can I negotiate with the bank regarding credit card if I lost my job?

2
Q: Hi,
Please advise the below issue with the bank.
I lost my job last 2018, and due to this, I'm not able to pay my monthly dues to the bank. I visited the bank to discuss that I have insurance for my credit card.
But the bank denied that insurance and said to me that I should apply for that insurance after my company finishes my work contract. It takes me 3 months before I visit the bank to apply for the insurance.
The bank sued me in a civil case. I paid the amount to the police. But the bank still forces me to pay the pending amount. I manage to pay per month since Sept 2019 and until Dec 2022.
Again I lost my work last Dec 2022. I'm not able to pay now the monthly dues that the bank required.
Kindly help and advise, please.


Mar 27, 2023
171
How to settle a bank loan after job loss?


1
Q: Hi,
I have just got a message from the Dubai court for a travel ban and a case number.
I have an issue with my bank for an unpaid loan and credit card although I tried many times to settle.
What do I need to do next?



Feb 20, 2023
196
I lost my job a few months ago and the banks are threatening me with legal action
0
Q: Hi.
I lost my job a few months ago and the banks are threatening me with legal action.
Will they file a criminal or civil case against me for a couple of missed payments for credit card debts of approximately 16k and 30k?
If they did, what would the consequences be on a new visa application for a new job?

May 11, 2022
272
The debt collectors sent me a case number for a credit card debt but I could not find it. What to do?


0
Q: Hi,
I have a card balance of AED 6k. Third-party collectors messaged me on behalf of the bank that they would initiate an execution case against me and forward it to the lawyers.
They even gave me the case number. I checked in Estafser and the Dubai Police App but the case number they gave me shows not valid.
How should I know if there is an active case against me?
And from whom should I receive the message legally?
Appreciate your advice



Dec 1, 2023
204
Legal blog
3 available 3 • View allThe 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
19014
Bounced Cheques in the UAE: What You Need to Know in 2024 292
In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.
Oct 15, 2024
224521
Failing to Honour Bounced Cheques in Loans and Other Transactions 8
An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Jan 15, 2020
7173
Laws & Regulations
2 available 2 • View allFederal 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
148744
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
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.
Sep 27, 2020
3599

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A tenant usually defaults on rent payments. How can I evict him? 2
Hi,
I have a tenant who defaulted on rent payment. His cheque bounced due to account closure. He promised cash payment but hasn't delivered.
I want to evict him. The property is in Dubai. How do I proceed legally? Appreciate step-by-step guidance according to the law.
Thank you!
Apr 26, 2024
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Can I travel to Qatar if a collection agency told me I have a travel ban for an unpaid loan? 1
Salam,
I received an email from a company in the UAE - which is a collection agency - informing me that I had a travel ban and arrest warrant issued in the UAE for an unpaid loan a week ago.
I currently live in the US. I have sent them many emails asking them how can I pay or make installments to settle this amount of 332,430 dirhams. I am currently working with them and trying to resolve the issue.
My question is I would like to know if I travel for 5 days to Doha, Qatar in May, will I be detained or I will be ok?
I don’t believe so I just want to be sure because I will be with my family.
Thank you again.
Mar 30, 2024
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Is it legal for debt collectors to contact the employee's workplace for defaulting on debt? 1
Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?
Apr 5, 2024
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What legal recourse should my company pursue after engaging 1
My company engaged a Dubai-based entity, registered in India, on a three-month contract for project upgrade, maintenance, and delivery.
Then they ceased communication 2 weeks before completion and failed to deliver the promised services after payment.
What legal recourse should my company pursue?
What specific legal expertise or counsel should we seek to address this breach of contract?
Apr 5, 2024
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Can you go to Dubai Courts and check a civil case with an arrest warrant for unpaid loan? 1
Hi,
My husband lost his job 6 years back and he has not been able to find a job.
He got a loan from a bank and they filed a civil case. We also came to know he has a standing warrant of arrest.
I want to know what I can do for him.
Should my husband go to Dubai Courts and check what he can do to settle the case or they will arrest him immediately?
Should I go on his behalf and check what steps we can take to settle this case?
Thank you in advance for your legal advice.
Apr 2, 2024
333

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Will my current pregnancy affect my insurance coverage or status since I am not officially married yet? 0
Good day!
I am currently covered under the [-------] plan with [-----]. My marital status is still listed as single, but I am getting married on August 5. Due to unexpected travel issues, our original wedding date in June had to be rescheduled.
I recently became pregnant and have already paid for my antenatal check-up package for the first trimester. After my wedding, I plan to submit my marriage certificate to update my status with the insurer.
I would like to kindly ask for advice: will my current pregnancy affect my insurance coverage or status since I am not officially married yet?
Could there be any risk of my insurance being canceled or any legal implications because of this timing?
I appreciate your guidance and any clarification you can provide.
Thank you very much for your support.
Jul 3, 2025
4
When can I expect the court of execution to pay my labor dues after winning the case for training cost? 0
I recently won my case at MOHRE regarding the AED 6,000 training cost, which the company was not entitled to.
I have now filed an execution request at Al Adheed on July 4, 2025, to claim my pending salary and visa cancellation, which were not provided within the legal 14-day period.
As I do not have an Emirates ID yet, the report was submitted using my passport. I was informed I would receive a court fee payment link if the process pushes through.
May I kindly ask:
Will the execution proceed using my passport?
How long does this process usually take?
What should I expect next?
Thank you for your assistance.
Jul 2, 2025
17
Can declaring bankruptcy protect civil company partners from rent-related travel bans? 0
Bankruptcy of Civil Company in Dubai – Impact on Partners and Landlord Execution Case
I am a partner in a civil company in Dubai that has accumulated rental dues of over 1 million. The landlord has obtained a judgment and filed an execution case that includes travel bans, arrest orders, and licence freezes against the company and its partners.
I want to understand the legal and practical implications of initiating bankruptcy proceedings for the civil company under UAE law:
Can a civil company file for bankruptcy in the UAE, or must the partners do so individually?
What is the impact on existing execution cases—the one filed by the landlord to recover unpaid rent?
Will travel bans and arrest warrants issued against partners be lifted automatically upon filing or approval of bankruptcy?
Is bankruptcy advisable in cases where the only major creditor is the landlord pursuing rent recovery?
Are all partners jointly and severally liable even after bankruptcy is filed?
Jul 2, 2025
20
Can I file a police case if a contractor takes payment and disappears? 0
Hello,
I hired someone to fix the water leaking problem at my office. I have paid half the amount we agreed on during a face-to-face meeting.
Now the person is not answering my calls or replying on WhatsApp. Can I file a police case against him?
Please advise!
Jul 3, 2025
3
Why is my bank account frozen for a case in another bank? 0
Hello,
"A hold has been placed on a portion of the funds available in your account due to a hold applied for an Ajman court case. Kindly visit your branch or call."
I received the above message from the bank, although the cheque bounce case is with another bank, but they have held funds in my account.
Jul 2, 2025
20

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Other answers by
Will my current pregnancy affect my insurance coverage or status since I am not officially married yet? 0
Good day!
I am currently covered under the [-------] plan with [-----]. My marital status is still listed as single, but I am getting married on August 5. Due to unexpected travel issues, our original wedding date in June had to be rescheduled.
I recently became pregnant and have already paid for my antenatal check-up package for the first trimester. After my wedding, I plan to submit my marriage certificate to update my status with the insurer.
I would like to kindly ask for advice: will my current pregnancy affect my insurance coverage or status since I am not officially married yet?
Could there be any risk of my insurance being canceled or any legal implications because of this timing?
I appreciate your guidance and any clarification you can provide.
Thank you very much for your support.
Jul 3, 2025
4
When can I expect the court of execution to pay my labor dues after winning the case for training cost? 0
I recently won my case at MOHRE regarding the AED 6,000 training cost, which the company was not entitled to.
I have now filed an execution request at Al Adheed on July 4, 2025, to claim my pending salary and visa cancellation, which were not provided within the legal 14-day period.
As I do not have an Emirates ID yet, the report was submitted using my passport. I was informed I would receive a court fee payment link if the process pushes through.
May I kindly ask:
Will the execution proceed using my passport?
How long does this process usually take?
What should I expect next?
Thank you for your assistance.
Jul 2, 2025
17
Can we file a criminal case and civil case if our customer paid in cheques and cheated us? 0
I want to take advice from a law firm for debt collection.
A customer of ours has misguided us and cheated us by giving us cheques and now not paying.
I would like to know if a criminal case can be filed apart from a civil case.
Jul 2, 2025
10
Can declaring bankruptcy protect civil company partners from rent-related travel bans? 0
Bankruptcy of Civil Company in Dubai – Impact on Partners and Landlord Execution Case
I am a partner in a civil company in Dubai that has accumulated rental dues of over 1 million. The landlord has obtained a judgment and filed an execution case that includes travel bans, arrest orders, and licence freezes against the company and its partners.
I want to understand the legal and practical implications of initiating bankruptcy proceedings for the civil company under UAE law:
Can a civil company file for bankruptcy in the UAE, or must the partners do so individually?
What is the impact on existing execution cases—the one filed by the landlord to recover unpaid rent?
Will travel bans and arrest warrants issued against partners be lifted automatically upon filing or approval of bankruptcy?
Is bankruptcy advisable in cases where the only major creditor is the landlord pursuing rent recovery?
Are all partners jointly and severally liable even after bankruptcy is filed?
Jul 2, 2025
20
Can I file a police case if a contractor takes payment and disappears? 0
Hello,
I hired someone to fix the water leaking problem at my office. I have paid half the amount we agreed on during a face-to-face meeting.
Now the person is not answering my calls or replying on WhatsApp. Can I file a police case against him?
Please advise!
Jul 3, 2025
3
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