Brie
it is true i some cases if you have outstanding debt in Qatar you will NOT be able to leave the country until all debts are settled. Before leaving the airline you must do what is called a clearance, one of which is making sure there is no outstanding credit card debt and / or loans. You will not be able to leave with outstanding debt in Qatar unless proper arrangements have been made, in most cases that means full payment.
as far as failing a type rating here. well, it has happened but it's not so common. The airline will give you another go at it.
Poisoned by Compromise
Krunch