@Rolando ..If you wish to come back to qatar .. email your bank & tell them you will pay up remaining loan, ask for best discount ..

As the bank is desperate to get their money back, they are likely to offer you best discount ...& then you pay up..

Don't come to qatar without paying as then police is likely to catch you & then bank will demand money incl. all charges & inflate the amount ..You will be helpless in this case.