here in Dubai we don't have debt collectors, we have police come to your door and arrest you if you haven't paid more then 6 months,
Thats why allot of people if they see they cant pay there loans here after 2 months they just run away.
lol, Bilal you are right.... I have lived there and my family is still there and I agree that I have seen peopel running away without paying debts..... even I have seen people financing 100,000 DHS roughly $35-40000 or even expensive cars and then just leaving them at the airport without even letting bank or anyone know. What a world eh? But what people don't recognize is that we will probably need to have some kind of link with Dubai in future and then they realize that it's kinda late now. And the law there is ridiculous in some cases. i must admit it's a nice country from some aspects but i hate that country and it's stupid rules and the way they treat immigrants there. It's demoralizing to see their behaviour and no wonder you will see lot's of people doing this no payment thing and run away.
While in this case this lady and her husband are just merely a victim of fate and can't pay the debt at this point which can happen to anyone but I just hope things will work out for you. And you might wanna do what Bilal suggested because they won't even give you police clearence certificate. Here in Canada or some other countries they will at least provide you the certificate with a note on ti exoplaining that you have a criminal record or whatever. But over there they don't even give you and yes you should pray that it's not in court yet because after a certian limit they also blacklist the names in their immigration system which means you definitely have a criminal record now and unless you do according to thier law you won't be forgiven and in some cases even if you go according to law they still will keep your name in blacklist.
It's a screwed up system. I am not trying to scare you but telling you the things that I have seen while I was there. Anyways for Canadian immigration you do need a Police clearence no matter what. So, you better get on it.
Good Luck! I wish you success.