Questions & Answers
Questions & Answers
3 available 3 • View allHow can you reach a settlement to avoid legal action by the bank if you lose job and can not repay your loan?




0
Q: My brother lost his job in the UAE 8 months ago and has a debt of AED 170,000 to a bank.
He is finding it extremely difficult to make monthly loan payments to the bank, as he has been unable to find a job even after 8 months.
What options does he have to reduce/settle his bank debt without having restrictions on him, like a travel ban, etc?
Please help him find the best possible solution considering his current financial situation.





+1
Apr 9, 2025
170
Will a payment to the court, not received by the bank, affect my new employment visa?




1
Q: Dear Lawyers,
I had a cheque execution case for a credit card and have already paid the amount to the court. However, the bank has not yet received the payment from the court.
I am now changing my job and need to apply for a new employment visa.
Will there be any issues in issuing the new visa?





+1
Dec 30, 2024
136
How can I make sure that the execution case settlement offered by the bank 




1
Q: I have an ongoing cheque execution case that has been active for a year.
Finally, after lengthy negotiations, the bank is willing to waive the interest and late payment fees and close the loan in a single settlement after issuing an offer letter.
Should I trust them and proceed, or should I inform the court about settling the matter outside the court?
I am concerned that they might refuse to withdraw the case or demand additional payments such as legal fees after I make the final payment.
Please advise.





Nov 15, 2024
155
Legal blog
2 available 2 • View allBounced 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
223361
The 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
18969
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
148611
Federal Decree-Law No. 50/2022 Issuing the Commercial Transactions Law 0
The provisions of this Federal Decree-Law No. 50/2022 Issuing the Commercial Transactions Law, known as the "New Commercial Code" governs commercial transactions in the United Arab Emirates. The New Commercial Code repeals the previous UAE Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law.
Oct 3, 2022
516

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What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
May 16, 2025
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Why was my first UAE employment visa rejected if there’s no travel history? 0
Hi,
My employment visa was rejected without any reason stated. I contacted MOHRE, and they said it was rejected by ICP Abu Dhabi. I have never been to the UAE or any other country.
This is my first visa application. I am from Pakistan, and I heard there is a shadow ban on some cities in Pakistan.
I contacted ICP, but they said there is no ban on any nationality.
May 16, 2025
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What is the procedure to stay in the UAE if the medical test showed unfit due to HIV? 0
Seeking legal advice.
I was working in the UAE for almost 12 years, and I am on a visa renewal. However, my medical is unfit due to HIV.
My employer is willing to help me if there is any way to process the renewal of my visa.
What can be the procedure for me to be able to stay and renew my visa and be able to seek medical treatment in the UAE?
May 15, 2025
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Can I email my tenant the non-renewal notice, or does it need to be notarized? 0
Hello,
If I am to evict my tenant at the end of the tenancy (property in Abu Dhabi), can I send the tenant an email (registered in Tawtheeq), or does the notice have to be through the notary public or registered mail?
Do I need to give a reason for non-renewal?
May 15, 2025
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How can I lift an immigration ban to be able to process my new emplyment visa? 0
Hi Sir,
I am S. and I am facing a one-year labour ban (as per my knowledge, and the same is mentioned in the cancellation paper too).
Now I have a new offer with [-----] company in a free zone, but things were not processed because of this ban. They asked me for the immigration clearance.
How can I clear this?
My previous contract was under a limited term, so even the salary basis is not helping me.
From other sites, I came to know it is possible, but I still have no idea how.
Can you suggest a solution?
May 14, 2025
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Premium
Other answers by
What can I do if I cleared the travel ban at the police station but it still cannot get a clearance certificate? 0
I had a case at Al Barsha Police Station, Dubai, for one year.
On 22 April, the court announced a verdict and imposed a fine of AED 5000, which I paid on the very next day and got the certificate from DPP, which I took to the Al Barsha Police station and submitted there.
The police officer told me that they have removed the travel ban, and the records will be updated in other emirates within 24 hours.
It's been more than 48 hours now since I applied for a clearance certificate on the MOI app, and it has turned into status "review with the concerned party."
I don't have any other cases, only this case, for which I paid the penalty already.
Seeking expert advice, please.
May 16, 2025
13
What to do if the free zone refused to cancel partner visa for myself and an employee due to license expiry? 0
I received this email response from Sharjah Publishing Free Zone when I asked to cancel the visa for myself and an employee so that we may take up work with a new company:
Dear Valued Applicant,
Greetings from Sharjah Publishing City Free Zone
We regret to inform you that we are currently unable to proceed with the visa cancellation for Mr. O*** F***** (Visa - Cancellation - ************) for the following reasons:
1. The company's trade license is suspended, necessitating coordination with the SPC team to address this issue.
2. The company has an existing violation, as B**** W**** M*** has exceeded their visa duration by 171 days. The company must either cancel the visa for the violator or renew it accordingly. Alternatively, late renewal or cancellation fines can be settled through an application on the portal.
3. The E-Channel has expired as of 01/06/2023, and it must be renewed before processing any visa cancellation.
4. The Establishment Card is approaching its expiry date
May 16, 2025
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Why was my first UAE employment visa rejected if there’s no travel history? 0
Hi,
My employment visa was rejected without any reason stated. I contacted MOHRE, and they said it was rejected by ICP Abu Dhabi. I have never been to the UAE or any other country.
This is my first visa application. I am from Pakistan, and I heard there is a shadow ban on some cities in Pakistan.
I contacted ICP, but they said there is no ban on any nationality.
May 16, 2025
15
Am I allowed to travel to my home country during the probationary period? 0
Hello,
Is it okay if I travel to my home country during the probationary period?
I have 7 days pending (days off and public holidays). My manager agreed to give all 7 days together, and I am planning to go see my family.
Do I need to get approval for traveling?
May 16, 2025
28
Can the collection agencies pursue a legal action against me in my country for unpaid debts in the UAE? 0
Dear Sir
One of my friends took a loan and credit cards from various banks and ran away to Pakistan as he lost his job.
Can anyone chase him in Pakistan?
Actually, he was a victim of fraud, and the person who did this is in jail, and the other ran to Pakistan.
My friend made civil cases and won both. One is in jail for the first case, and the other ran to Pakistan. That's why he defaulted on payment.
May 16, 2025
18
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