I want to repay all my loans and credit card outstandings in dubai but my salary less than what i need to pay?

let them take legal action, and be prepared to go in front of a judge and explain what you have explained here (better thru a lawyer). And at the same time do not to miss paying the installments that you can. Despite what the bank might say , in reality they want to recover as much as they can from the original loan, rather than make a %100 loss. If the judge sees evidence you are trying to make the payments on time, he will have no choice but to tell the bank to reduce or reschedule your installments. (in other words he will let you walk). But if you were missing the payments then it will be much harder to convince them. Try to make as much money as you can and pay as many installments as you can. Sell every thing you do not need even the car (you can take the bus, better than owning a car then ending up in jail). The bank will try to repossess anything you did not finish the payments on .