My business is almost stoped but I have loans...

If your inquiry is about the debts that are due on owe, find the following information
If you announce your bankruptcy at the present time, this procedure is useless.
As it will not protect you from the penalties that could be imposed on you in the cases brought against you currently.
These cases must be settled and closed in order to be able to travel and leave the country.
The penalty for a check without balance is imprisonment or a fine
Find the UAE Penal Code, in regards of your inquiry:

Article 401
Detention or a fine shall be imposed upon anyone who, in bad faith, gives a draft (cheque) without a sufficient and drawable balance or who, after giving a cheque, withdraws all or part of the balance, making the balance insufficient for settlement of the cheque, or if he orders a drawee not to cash a cheque or makes or signs the cheque in a manner that prevents it from being cashed.
The same penalty shall apply to anyone who endorses a cheque in favor of another or gives him a bearer draft, knowing that there is no sufficient balance to honor the cheque or that it is not drawable.