Q: Dear Sir/Madam, I worked in the UAE, and unfortunate events occurred. I went back home without submitting a proper resignation and didn't have a chance to pay back my credit card since 2011. I applied for work in Saudi Arabia and found out that I'm blacklisted or have a travel ban anywhere in the Middle East. Can I work in any other country besides the Middle East?

Q: Dear Seniors, I hope everyone is doing well. I have a question regarding the credit card. I am currently employed at a company and I have an overdue credit card balance that I am paying off in installments. I got a new job in my country and I want to pay the rest of installments from home. Now my visa is about to be canceled. Do I need to pay all the amount at once otherwise I can't out from the UAE? Or can I go and pay from outside the country? Could you please help me with this inquiry? Thank you in advance for your assistance.

Q: I have a civil case against me. I had a loan of AED 30000 and a credit card total due was AED 19000. In Corona time, I lost my job and went back to my home country. Once I came back, they made a case against me for around AED 47000. It's not a bank but a finance house. Right now I'm on a visit visa. What should I do?

Q: Dear Lawyers, I'm seeking your valuable advice as per the UAE Law for the below inquiry. One of my close friends had taken a personal loan of AED 250k in the UAE and was paying EMI amounts regularly. Later, he was terminated by his company due to some issues and returned to his home country. A debt collection agency contacts him every day and gives more threats even though he has agreed to pay back the amounts after getting a new job. It has been 1 year and until now he did not get any good job and is unable to pay back the amount. However, the debt collection agency contacts him every day at least 3 times and threatens him with a criminal case against him, and that they will send him to jail and many more things. Now the inquiry is generally, if anyone is unable to pay back the outstanding EMI loan amount due to job loss, can the debt collection agency file a case against him or an arrest warrant, etc in their home country? Can we make a case against the debt collection agency for their outrageous behavior?

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.

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.