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1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Pakistan 

Pakistan is divided into 4 Provinces (Balochistan, Khyber Pakhtunkhwa, Punjab, Sindh), two autonomous territories (Azad Jammu and Kashmir and Gilgit Baltistan) and one federal territory (Islamabad Capital Territory). Our local office is in Lahore (Punjab) which is the most populous state with over 100 million residents (over 50% of the country). We recover debts in all provinces and territories throughout Pakistan. 

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language in this case. English and Urdu are the official languages in Pakistan but there are many other languages spoken including Punjabi, Pashto, Sindhi and Saraiki. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Pakistan 

3 years but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
PLEASE CALL US ON +44 121 442 5330 FOR FURTHER DETAILS 
Or ask us to call you – just leave us your details: 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable.Pakistan Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement. 
 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
 
The local International Debt collection Partners know: 
 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
Are in the same time zones 
 
Herewith details of our debt collection service Pakistan: 

Location of debt recovery office in Pakistan? 

Office No:55, 2nd Floor, Hajvary Complex, 2-Mozang Road, Lahore.54000, Pakistan. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

8. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response result s from debtors. 

How long have you been operating a debt recovery service in Pakistan? 

35 years 

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Pakistan? 

3 years 

How EU (European Union) laws effect debt collection in Pakistan? 

EU law does not effects debt collection in Pakistan 

How many companies registries in Pakistan for businesses (i.e. UK has just 1 central registry)? 

Securities Exchange Commission of Pakistan (SECP) 
Firms Registrar 

What is the debt collection process in Pakistan? 

Debt collection is a very difficult job in Pakistan, it can only be handled by the Lawyers as the debtors are only bothered by the Legal Notice which are sent by the Lawyers. 

Average length of time to collect a debt? 

2 months to 18 months 

Can late payment fees / interest to be added to claims? 

NO 

Details on legal service / process in Pakistan? 

After once all the efforts to collect the debt amount fail we on instructions of clients file Suit For Recovery against the debtor Firm, Companies and individuals, as a first stage the Court will Summons the Defendants/Debtors and shall hand over to them the copy of the Plaint filed in the Suit For Recovery and shall Order them to file Written Statement. 
 
The Second stage will be filing of Written Statement by the debtor. 
 
Third stage issues shall be framed by the Court. 
 
The Fourth stage shall be that we (the Creditors) shall be ask by the Court to provide Evidence after the completion of our Evidence in the Fifth Stage the Defendant/Debtor shall be asked to provide his Evidence in support to their version. 
 
The Sixth Stage is the final Arguments than the Seven Stage will be that of pronouncement of Judgment by the Court. 
 
We also file liquidation proceeding before the company Judge when we feel it is necessary. 

Pakistan Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated Pakistan Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Pakistan Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Pakistan tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace. 

Specialist Debt Recovery Experts 

There are many unique requirements to recovering international debts in all countries including Pakistan which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service. 

Pakistan Debt Collection Partners in the following Pakistan Cities 

What is the legal system in Pakistan? 

The Pakistan legal system is based on English common law with some provisions of Islamic law. 

What is the name of the Government Gazette in Pakistan? 

The Gazette in Pakistan is called The Gazette of Pakistan. 

Pakistan Debt Collection Agency FAQs 

1. How does a Debt collection agency in Pakistan recover overdue debts? 

The debt collection process is initiated by an introductory letter to your debtor stating the amount owed to you and informing them of our involvement. Letters are then followed up with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Pakistan as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Pakistan take to process a case? 

The debt collection case will be processed immediately up receipt and a letter sent normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Pakistan? 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Pakistan operate a No Win No Fee debt collection? 

We take on all debt collection cases on No Win No Fee basis only charging the agreed commission against monies recovered. 

5. Why use a local debt recovery agency Pakistan? 

The reasons for using a local Pakistan debt collection agency than processing from a different country is the debt collector in Pakistan speaks the local language, knows the local laws and operates in the same time zones. 

6. Are there any debts too old or too small for Pakistan debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the Pakistan debt collector. 

7. How do I instruct the debt collectors in Pakistan? 

Instructing the debt collectors Pakistan is a simple process. You just email details of the debt, debtor and amount to be recovered and the case can be initiated. 

8. What evidence do I need to provide when instructing the Pakistan debt collector? 

When instructing the debt collector in Pakistan just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

In general the debt collector in Pakistan will request payments to be sent directly to the client but if not possible for any reasons will take payment directly. If payment is taken then cleared funds will be processed and sent to client straight away. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Pakistan? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Pakistan is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you. 
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