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Managing Debt in Dubai: How to Stop Collection Calls, Minimize Debt, and Seek Help When Needed

Managing Debt in Dubai can be a challenging task, especially if you’re struggling to keep up with repayments or dealing with persistent debt collectors. However, with the right strategies and support, it’s possible to overcome financial difficulties and take control of your finances. we’ll explore various approaches to managing debt in Dubai, from stopping collection calls to minimizing debt and knowing when to seek help. Whether you’re dealing with a single debt or multiple creditors, these tips can help you regain financial stability and achieve your financial goals. So, let’s dive in and learn how to manage debt effectively in Dubai.

Requesting Debt Collectors to Stop Calling

How to Make a Request

If you wish to stop receiving calls from a debt collector, it’s essential to make a formal request. You can do this by sending a written letter, email, or even a text message. Be sure to include your name, contact information, and a clear statement that you no longer wish to be contacted by the debt collector.

Keep Records

To protect yourself, it’s crucial to keep records of all communication with the debt collector. This includes any written requests you’ve made, as well as any phone calls or voicemails you’ve received. These records can serve as evidence if you need to take legal action against the debt collector for harassment.

What to Do If the Calls Continue

Inform the Creditor

If a debt collector continues to call you after you’ve made a formal request for them to stop, you should inform the creditor who hired the agency. Provide the creditor with details of your request and evidence of the continued harassment. In many cases, the creditor will intervene and ensure that the debt collector complies with your request.

File a Complaint

Should the unwanted calls persist, consider filing a complaint with the relevant authorities, such as the Dubai Police or the UAE Central Bank. They will investigate your complaint and may take action against the debt collector if they find that they have violated the law.

Pursue Legal Guidance

In some cases, it may be necessary to pursue legal guidance from a lawyer experienced in debt collection law in Dubai. They can help you understand your rights, provide guidance on how to deal with the situation, and represent you in any legal proceedings that may arise.

Additional Strategies to Handle Debt Collection Calls

Block Calls and Messages

If you have already made a formal request for a debt collector to stop calling and they continue to do so, you can take further action by blocking their phone number. This will prevent them from reaching you through calls and text messages. It’s essential to keep records of your efforts to block the debt collector’s number, as this information may be useful if you decide to file a complaint or seek legal advice.

Record Conversations

Recording your phone conversations with debt collectors can serve as evidence if you need to file a complaint or pursue legal action. Make sure to inform the debt collector at the beginning of the call that you are recording the conversation. This will ensure that you comply with UAE laws governing the recording of phone calls. Keep a record of the date, time, and content of each conversation, as this information can be valuable in building your case.

Preventive Measures to Minimize Debt

Creating a Budget and Tracking Expenses

One of the most effective ways to avoid debt is by creating a budget and tracking your expenses. This will help you identify areas where you can reduce spending and allocate funds towards debt repayment. Regularly reviewing and updating your budget will ensure that you remain financially disciplined and make informed decisions about your finances.

Building an Emergency Fund

An emergency fund is a financial safety net that can help you manage unexpected expenses, such as medical bills or job loss, without resorting to debt. Aim to save at least three to six months’ worth of living expenses in a separate savings account. This will provide you with a financial buffer in times of need and reduce the likelihood of accumulating debt.

Prioritizing Debt Repayment

If you have existing debts, prioritize their repayment to avoid additional interest charges and potential legal consequences. Focus on repaying high-interest debts first, as these can quickly accumulate and become unmanageable. Regularly review your debt repayment plan to ensure that you are making progress and staying on track.

Knowing When to Seek Help

Recognizing the warning signs of unmanageable debt is crucial to seeking help and resolving financial issues promptly. Some of these signs include:

  • Using credit cards to cover daily living expenses.
  • Struggling to make minimum debt repayments.
  • Borrowing money to pay off other debts.
  • Ignoring bills and financial statements.

If you notice any of these warning signs, it’s essential to seek help and address your financial situation before it escalates further.

Reaching Out for Assistance

Don’t hesitate to reach out for assistance if you’re struggling with debt. Financial counsellors, legal advisors, and debt relief organizations can provide valuable support and guidance during challenging financial times. The sooner you seek help, the more options you’ll have to resolve your debts and regain control of your finances.


Managing debt in Dubai can be a daunting task, but it’s essential to take action to avoid accumulating debt and seek help if needed. From making a formal request to debt collectors to tracking your expenses and building an emergency fund, the tips in this blog post can help you manage your debt effectively. Remember to stay proactive and seek assistance if you’re struggling with debt. By following these strategies, you can take control of your finances and build a more secure financial future.

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