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Debt Collector Communication Practices

Debt collection is a challenging and sensitive area of finance, and both creditors and debtors need to be aware of their rights and obligations. In Dubai, debt collection is regulated by the Dubai Economic Department and the Dubai Courts, and some specific laws and regulations govern the behaviour of debt collectors. One common question that debtors in Dubai ask is whether debt collectors can call them multiple times per day.  we will explore the cultural nuances of Dubai debt collection and debt collector communication practices

Cultural Nuances in Dubai’s Debt Collection Practices

Understanding the Role of Culture

The UAE is a culturally diverse nation, and understanding cultural nuances can play a significant role in the debt collection process. Debt collectors in Dubai may need to adapt their communication styles and tactics to account for cultural differences among debtors.

Emphasizing Respect and Politeness

In the UAE, displaying respect and politeness is essential in all forms of communication. Debt collectors should be mindful of this cultural expectation and ensure they approach debtors with a respectful and polite demeanour, even when discussing difficult topics like outstanding debts.

Religious Considerations

The UAE is a predominantly Muslim country, and debt collectors should be aware of the importance of religious considerations in their communication with debtors. For example, avoiding debt collection calls during prayer times or important religious holidays can help to maintain a respectful and understanding relationship with the debtor.

Debt Collector Communication Practices

we understand the importance of clear and respectful communication practices when it comes to debt collection. It’s not just about collecting payments, it’s about maintaining positive relationships with customers and protecting your brand’s reputation. In this article, we’ll cover some best debt collector communication practices that can help you achieve your goals while also complying with federal regulations.

General Rules for Communication

Effective communication is an essential skill in both personal and professional settings. Debt collectors in Dubai must adhere to the rules and guidelines set forth by the Central Bank and other relevant authorities. These guidelines of debt collector communication practices emphasize respectful and ethical communication with debtors. In general, debt collectors are not allowed to harass, threaten, or use abusive language when communicating with debtors.

  1. Be Clear and Concise

When communicating with consumers about their debts, it’s important to be clear and concise. Provide all necessary information, such as the amount owed, the creditor, and the date the debt was incurred. Avoid using technical jargon or confusing language that could make the consumer feel overwhelmed or confused.

  1. Be Respectful

Debt collection can be a sensitive topic for many consumers, so it’s important to be respectful and empathetic. Avoid using aggressive or threatening language, and instead approach the conversation with a tone of understanding and support. Remember that your goal is to help the consumer resolve their debt, not to intimidate or harass them.

  1. Be Flexible

Every consumer’s situation is unique, so it’s important to be flexible in your communication approach. If a consumer is unable to pay their debt in full, work with them to find a payment plan that fits their budget. Offer options such as automatic payments or deferred payments to help make the process easier for them.

  1. Document Everything

Documenting your communication with consumers is important for several reasons. It can help you track progress on the debt, provide evidence in the event of a legal dispute, and ensure that you’re following all necessary regulations. Keep detailed records of all phone calls, emails, and letters related to the debt.

Can debt collectors call debtors multiple times per day?

One of the most common questions that debtors in Dubai ask is whether debt collectors can call them multiple times per day. The answer to this question is not straightforward, as it depends on the specific circumstances of the debt and the behaviour of the debt collector. However, in general, debt collectors are not allowed to harass or intimidate debtors, and they must follow a code of conduct that is designed to protect the rights of debtors.

According to the guidelines issued by the Dubai Economic Department, debt collectors are allowed to contact debtors to collect debts. However, they must do so reasonably and professionally, and they must not harass or intimidate debtors. While there are no specific laws or regulations that limit the number of times debt collectors can call debtors per day, debt collectors must not harass or intimidate debtors and should not call them repeatedly. The guidelines state that debt collectors should not contact debtors at inconvenient times, such as early in the morning or late at night, and they should not call debtors repeatedly.

In general, debt collectors should limit their communication with debtors to a reasonable number of times per day or week. They should also avoid calling debtors at inconvenient times, such as early in the morning or late at night. Debt collectors should respect the privacy and dignity of debtors and avoid using threatening or abusive language.

Debt collectors are not allowed to use threatening or abusive language, and they must not make false or misleading statements. If a debtor is receiving multiple calls per day from a debt collector, they can request that the debt collector stop calling them. Debt collectors are required to comply with this request and must not contact the debtor again except for specific reasons, such as to confirm receipt of the request or to provide information about legal action. If a debtor has requested that the debt collector stop contacting them, the debt collector must comply with this request. Failure to comply with these guidelines can result in the debt collector losing their license, facing legal action, or both.

Contacting a Debtor at Work

The Central Bank’s guidelines do not specifically prohibit debt collectors from contacting individuals at their places of employment. However, the guidelines do state that communication should be limited to “reasonable” hours, typically defined as between 9 a.m. and 9 p.m. Moreover, debt collectors are expected to respect a debtor’s right to privacy, which may discourage them from calling at work if it could cause embarrassment or other issues.

Employer Policies

It is important to consider an individual’s workplace policies when it comes to debt collection calls. Some employers have strict policies against personal calls during work hours, which may impact whether a debt collector can call an individual at their place of employment.


In conclusion, debt collection in Dubai requires a nuanced approach that takes into account the country’s cultural norms and legal regulations. Debt collectors must prioritize respect, clarity, and empathy in their communication with debtors to maintain positive relationships and avoid legal issues. While debt collectors can contact debtors to collect debts, they must do so reasonably and professionally, without harassing or intimidating debtors. It is essential to document all communication and comply with the guidelines set forth by the relevant authorities. By following these debt collector communication practices can effectively collect debts while upholding the rights of debtors and protecting their brand’s reputation.

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