Hi. I need prayers and sound advice... I am currently employed here in Dubai for more than 6 years now. My family stays here with me (husband and 2 children) and their visas are under my sponsorship. Due to the high cost of maintaining a family here, I incurred several debts from banks (loans and credit cards), which now has ballooned to a total outstanding balance of around AED350,000. So far, I have not yet defaulted from any bank. I am still able to pay my monthly dues on time. But juggling everything with my monthly salary of AED11,500 is really really hard...I am afraid that time will come, I will not be able to cope up with all our monthly expenses and dues. So, I requested my employer to have our company listed in one of the banks here so that I can avail of loan consolidation. But he firmly rejected my request. He does not want his company to be listed with any bank because he does not want any of his employees to take bank loans and drag his and his company's name in the process. Instead, he suggested that he will give me early availment of my annual leave with pay, and I can use that time to look for a higher paid job (fyi, he emphasized that he does not want to give any salary increase as well even if I have been working with his company for more than 6 years now). Also, he said that in case I am unable to find a new job within I month, he strongly suggested that I leave UAE a.s.a.p. with my family and go back to Philippines, and that he will just send me AED5,000 a month for one year. In other words, he wants me to abscond and run away from my debts here... Honestly, I didn't expect that kind of response and proposal from him.. I am contemplating right now... Please, pray for me and my family... Please help me pray so that I will be able to decide on the right thing to do.
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