Questions & Answers
Questions & Answers
3 available 3 • View allConsequences of defaulting on a small amount of a bank loan
3
Q: Hi,
Please advise me on the below issues!
I have taken a loan from a bank (AED 70,000) and suddenly I couldn't pay my loan due because I have some salary issues in my company.
They have deposited my security check and I have paid a fine amount of AED 5020 at the police station and I also have the slip which I received from them for payment of the fine.
After a few months, I joined a new company. The collection agency called me and advised me to pay the loan amount which is pending. I started paying my loan amount, but suddenly, I faced some financial issues so I couldn't pay the 2-month loan amount.
They sent me an email to pay the total outstanding amount of AED 19,000.
Will the collection agency file a civil case for that small amount?
I will clear my pending loan but I need some time. If they file a civil case, what will be the problem?
Can I travel outside the UAE?
Please advise me!

Feb 25, 2020
1385
I left the UAE with a small unpaid loan and now I have to transit in Dubai. Will I be arrested?
2
Q: Greetings!
I am a Philippine passport Holder.
I was working in the UAE for the past 16 years. I have a personal loan of AED 1,500 in a Bank in Abu Dhabi.
I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to Philippines.
Now after 16 years, I have a chance to go to Italy but my plane has a connected flight from Dubai to Italy. Will the UAE authorities arrest me?
Please help me with your advice, I can pay the outstanding only if I have to, but how?
I want to pay my outstanding and clear it.

Jun 18, 2023
376
The minimum amount that the creditor can request to get a travel ban against the debtor



4
Q: Can a creditor require a travel ban on a federal level in a lawsuit against the debtor if the collection amount is lower than AED 100,000?




Mar 31, 2023
3206
Legal blog
5 available 5 • 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
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Online POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
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UAE Travel Ban: What You Need to Know 164
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.
May 6, 2024
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What is a Travel Ban & How Does it Work in the UAE? 13
An interview-format article covering the topic of the travel ban and reasons leading to it in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Mar 9, 2020
6669
Procedures of Litigation and Execution in the UAE 42
Many people opt to go for litigation without hiring a legal professional, mainly because they can't afford it. This article provides a brief summary of the steps and procedures of litigation. As the process itself can be confusing to many, even after getting a favorable judgment, we present some tips to help them execute judgments issued by the court and get their rights if an amicable solution has not been reached.
Aug 5, 2021
21089
Laws & Regulations
3 available 3 • View allFederal Law No. (11) of 1992 Concerning Issuance of the Civil Procedures Code 42
The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.
Feb 24, 1992
75416
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
148582
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
47979

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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
27
My previous organization has not yet released EOSB because I contacted a client. Is this legal? 0
I recently joined a new organization in the Hamriyah Free Zone, and my previous organization has not released my end-of-service benefits.
The HR has instructed the finance team not to do so because I had contacted one of their clients.
In my DMCC contract, there is no Non-Compete clause, but the offer letter has one, and now they are not releasing the end-of-service.
Is this legal? What are my rights?
Apr 30, 2025
24
Can the employer force the housmaid to work for unlimited hours without rest? 0
Hi
I'm a nanny, and at the same time, I work as a housemaid (khadama) here in the house. I work, but as I know, the nannies and housemaids have different rights, and my employer doesn't give me rest.
My work starts at 7:30 am and then finishes at 10 pm or less. It depends on whether the baby is asleep or what time they will take on me if not yet asleep. Is this right?
Also, at the time of eating, I'm still working because the baby is with me, so I just let her sit in her chair. That's how I eat.
Please answer me. I want to know my rights.
Because if I can leave during the 6-month probation, I want to take it if the employer is this kind. I don't know.
They are also expats, but they don't follow the rules of the UAE regarding a housemaid.
May 1, 2025
33
How can I change my visa status if my ID is about to expire and the company is blocked? 0
Hello,
My ID will expire on 14th May. The company is blocked.
I want to change my status. How can I do this?
May 9, 2025
9
Can I renew my trade license and visa if I have multiple cheque execution cases filed against me? 0
Hello,
I have multiple cheque execution cases filed against me due to financial strains last year.
My trade license and visa will expire next month, along with my Emirates ID.
Is it possible for me to renew my license and visa along with EID prior to settling the execution cases?
The trade license and visa were issued by the free zone authority.
I look forward to your response.
Thanks.
May 1, 2025
58

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How can I change my visa status if my ID is about to expire and the company is blocked? 0
Hello,
My ID will expire on 14th May. The company is blocked.
I want to change my status. How can I do this?
May 9, 2025
9
Do I have to pay a penalty if terminated after completing my contract period? 0
Sir,
As per my contract period, they mentioned that if I leave the company before 1 year, I have to pay 5000 dirhams. But I have already completed more than 1 year and 3 months.
The company has given me a warning letter saying my work performance is low, and if I continue like this, they will terminate me. They didn't mention any charges, but they mentioned in the letter a top penalty procedure.
So I need to know whether I have to pay them any charges or not.
May 9, 2025
9
Can I go on vacation after resigning if my visa is not yet canceled? 0
Hello,
Can I go on vacation even though I have already resigned from my employer and my visa is not yet canceled?
May 9, 2025
32
Can a company terminate an employee for refusing to do work not in the contract? 0
Hello,
Is it allowed for a company to terminate an employee because the employee refused to do work not stated in the contract?
May 7, 2025
33
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
27

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Can an LLC partner sell their shares to a third party without other partners' consent? 1
Dear Lawyers,
Can a partner in an LLC company (Dubai Mainland) sell their shares to a third party without the consent of the other partners?
If one partner wants to exit the company and the other shareholders are neither responding to this request nor giving permission, what is the way forward?
We have sent an email to the other shareholders notifying them of the intention to sell the shares, but there has been no response. Please advise.
Please advise!
Aug 10, 2024
235
What can I do if my company is pressuring me to sign an unfair new contract? 1
Dear Lawyers,
I joined a company in Dubai. According to the contract agreement given to me by the company, if I leave before the fixed contract period, I have to give two months' notice and pay a sum of 6000 dirhams.
I agreed to this and continued to work under that agreement. However, the company has now introduced a new contract agreement, and all employees are under pressure to sign it.
The new conditions state that no employee can take a similar job in the UAE and must agree to pay USD 3500 (AED 12600) upon leaving during the contract period.
What actions can I take regarding the unfairness of this situation?
Aug 8, 2024
127
How do I request my passport back from my employer after many refused requests? 1
Dear Lawyers,
How to request my passport back from my employer after many requests have been refused?
Jul 31, 2024
639
Can I return to Dubai by paying only the court fine for a 2016 debt case? 1
Dear Sir,
I hope this message finds you well!
I am writing to seek your advice regarding a debt case filed in 2016 in the UAE. The debt amounts to approximately 45,000 AED (20,000 AED cheque amount and 25,000 AED credit card amount).
The associated interest has now possibly exceeded 150,000 AED. I have recently secured a job in Dubai and am eager to return; however, I am currently unable to pay the full debt amount.
I am aware of a court fine of 5,000 AED. I would like to understand if there is any possibility of returning to Dubai by paying only this court fine and lawyer fee.
Could you please advise on any available legal avenues or procedures that may allow me to resolve this matter and return to Dubai under these circumstances?
Your guidance on this matter would be greatly appreciated.
Thank you for your time and assistance!
Best Regards,
Jul 29, 2024
160
Can a landlord increase the rent via a WhatsApp message without prior notice? 1
Dear Sir/Madam,
I have been a tenant in a residential unit since 2023.
The real estate representative of the landlord sent a WhatsApp message stating that my rent is finalized at 24,200 AED, up from the previous contract amount of 22,000 AED, without any prior notice or email from the landlord.
Kindly guide me!
Jul 29, 2024
163
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