1. No Win No Fee Debt Recovery UAE! 

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 only against the money we successfully recover. 

2. Across UAE Coverage 

We cover all 7 emirates in UAE (the 3 most populous being Dubai, Abu Dhabi & Sharjah). Our local head office is in Dubai enabling us to recover debts throughout the entire country. 

3. Local Knowledge & Experience 

Unlike many of our competitors, all cases are handled by the local office or partner. They understand the local culture, can speak the local language and understand UAE legal practices. Arabic is the official language of the UAE, with English as the most spoken language in Dubai. You will also find expatriates from across the world, with Hindu, Urdu and Mandarin being widely spoken in the Emirates. If you’re looking to recover debts from the UAE, Creditreform are the perfect partners. 

4. Statute of Limitation in UAE 

The UAE operates a 10-15 year Statute of Limitation to file legal action and 5 years for bounced, but there are exemptions. So whatever the age of your outstanding debt, please contact us and we will advise if it might still be possible to make a successful recovery. 
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) 
Or ask us to call you – just leave us your details: 

Why choose an international debt collection agency with a local presence? 

Unlike Western countries, the United Arab Emirates treats debt as a criminal matter rather than a civil one. The result is that if a borrower is late with payments, they can face fines and imprisonment. Even after they are released, the bank may open a civil case against them which can result in further imprisonment. 
If you’re looking to recover debt from a UAE-based debtor, you need to understand how the law operates and the processes to follow. Creditreform’s UAE office is based in Dubai and covers all 7 Emirates. 
Working with a local debt collection company increases the chances of successful debt recovery. They understand: 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
They are also operating in the same time zone. 

Where is the Creditreform office in UAE? 

Creditreform carries out debt recovery UAE from our office in Dubai. Our team cover all 7 Emirates. 

How many staff work for your debt recovery UAE office? 

Our UAE office currently employs 8 staff. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors. 

How long have you been operating a debt recovery UAE service? 

We have been operating a Middle East debt collection service on a No Win, No fee basis in UAE since 1994. UAE is included on our debt collection agency list

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 collection cases from our UAE office. There is different content for business-to-business debt collection letter templates and business-to-consumer debt collection letters templates

Statue of Limitation in UAE? 

Currently, a 10-15 year limit exists to file a legal action in UAE. There is a 5-year limit for bounced cheques. 
However, if an action has been taken within this time, then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. 
Other Statutes of Limitations include: 
United Arab Emirates (UAE) Open Account Years – 3 years 
United Arab Emirates (UAE) Promissory Notes – 3 years 
United Arab Emirates (UAE) Written Contracts – 15 years 
United Arab Emirates (UAE) Oral Agreements – not applicable in UAE 

How do European Union (EU) laws impact debt recovery UAE? 

UAE is in discussions over a free trade agreement (FTA) with the European Union as part of the Cooperation Council for the Arab States of the Gulf States (aka Gulf Cooperation Council). Negotiations started in 1990 but have been suspended since 2008. The other Gulf Cooperation Council member states are Bahrain, Kuwait, Oman, Qatar and Saudi Arabia

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

There is 1 central company registry in UAE which is called the Ministry of Economy – Business Name Search. It operates from 10 to 18 floor, Liwa Tower, Exhibition area - Abu Dhabi - United Arab Emirates. 
We have access to UAE Company Registry searches for further background searches and information on all UAE businesses. 

What is the debt collection process in UAE? 

In the UAE, all documents must be in order and the debtor company should still be operational. It is unlawful to contact the family unless this has been specified in the contract that was signed by the debtor. It is also unlawful to visit the private residence of individuals without an appropriate court order. 

What is the average length of time to complete debt recovery UAE? 

The average time taken to recover a UAE B2B debt collection case varies depending on the details of the case. However, the process will typically take up to 6 months in UAE. 

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

Late payment fees and debt interest can only be added to claims if it has been specified and agreed to in the contract. 

What is the legal process in UAE? 

Anyone moving to legal proceedings will need to ensure that all documents are legally translated into Arabic. The court will first review the documents before any case is accepted and all legal costs will need to be paid in advance. The lawyer must be given a Power of Attorney. 

United Arab Emirates (UAE) 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 UAE Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet its commitments or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local United Arab Emirates tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis with charges only being applied if a debtor is successfully located. 

Specialist Debt Recovery Experts UAE 

There are many unique requirements for recovering international debts in all countries including the United Arab Emirates which differ significantly from the UK. It’s therefore important that cases are handled directly by our expert international debt collection agencies and not by debt collectors who are based in the UK. 
This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK-based debt collection agency. 
Using local offices and partners enables us to achieve a far greater success rate. Our No Win No Fee service together with competitive commission rates against monies recovered makes it a cost-effective solution. 

UAE Debt Collection Partners in all 7 Emirates 

What is the name of the Government Gazette in United Arab Emirates (UAE)? 

The Gazettes in United Arab Emirates (UAE) are: 
1. Al-Ǧarīdaẗ al-rasmiyyaẗ (الجريدة الرسمية) / Official Gazette = Abu Dhabi official gazette 
2. Al-Ǧarīdaẗ al-rasmiyyaẗ (الجريدة الرسمية) / Official Gazette = Dubai official gazette 

Who are the main trading partners for UAE? 

The UAE is a vibrant, growing economy with a global trading reputation. The main import and export partners for India, Iran, Japan, China, Oman, Switzerland, South Korea and USA

Which countries border UAE? 

UAE Is located in Middle East which is bordered by Saudi Arabia to the west and south and by Oman to the east and northeast. 

What is the Supreme Court in UAE? 

The Federal Supreme Court of the United Arab Emirates (aka the Union Supreme Court) is the highest federal court in the United Arab Emirates. It was established on 2nd August 1973 and is located in Abu Dhabi. 

United Arab Emirates (UAE) Debt Collection Agency FAQs 

1. How does a Debt collection agency in United Arab Emirates (UAE) 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 United Arab Emirates (UAE) 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 United Arab Emirates (UAE) 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 United Arab Emirates (UAE)? 

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 United Arab Emirates (UAE) 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 United Arab Emirates (UAE)? 

The reasons for using a local United Arab Emirates (UAE) debt collection agency than processing from a different country is the debt collector in United Arab Emirates (UAE) 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 United Arab Emirates (UAE) debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the United Arab Emirates (UAE) debt collector. 

7. How do I instruct the debt collectors in United Arab Emirates (UAE)? 

Instructing the debt collectors United Arab Emirates (UAE) 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 United Arab Emirates (UAE) debt collector? 

When instructing the debt collector in United Arab Emirates (UAE) 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 United Arab Emirates (UAE) 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 United Arab Emirates (UAE)? 

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 United Arab Emirates (UAE) 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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