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United Arab Emirates

Debt collection in the United Arab Emirates (UAE) is a crucial aspect of the country’s business environment. With a diverse economy and a rapidly growing market, businesses and individuals often face challenges in recovering outstanding debts. This in-depth overview explores debt collection practices in the UAE, the various forms of debt, and how Debt Works can help you recover your outstanding debts in Dubai.

  1. Debt Collection Practices in the United Arab Emirates

Debt collection in the United Arab Emirates is governed by federal laws and regulations, which provide guidelines for the process. Here are some key points and practices involved in debt collection in the country:

  • Legal framework: The primary legislation governing debt collection in the United Arab Emirates is the Civil Transactions Law and the Commercial Transactions Law. These laws outline the rights and obligations of creditors and debtors, as well as the various methods of debt recovery.
  • Amicable settlement: The initial step in the debt collection process is often attempting to reach an amicable settlement with the debtor. This may involve negotiations, payment plans, and restructuring of the debt.
  • Legal action: If the amicable settlement fails, the creditor may choose to pursue legal action. This can include filing a case in court, obtaining a judgment, and enforcing the judgment through various means, such as asset seizures or travel bans.
  1. Forms of Debt in the United Arab Emirates

Various forms of debt exist in the UAE, and understanding them is essential for effective debt collection. Some common types of debt include:

  • Bank loans: Personal loans, business loans, and mortgages are common types of bank debts in the UAE.
  • Credit card debts: Outstanding balances on credit cards can result in significant debt, especially with high interest rates and penalties for late payments.
  • Trade debts: These debts arise from business transactions and may include unpaid invoices, bills of exchange, or promissory notes.
  • Rental arrears: Tenants who fail to pay rent on time can accumulate rental arrears, resulting in a debt owed to the landlord.
  • Employee salaries: Employers who fail to pay their employees’ salaries on time can be liable for wage debts.
  1. Recovering Debt in Dubai with Debt Works

Debt Works offers professional and reliable debt collection services in Dubai, helping businesses and individuals recover their outstanding debts. Here’s how Debt Works can assist you in the debt recovery process:

  • Expertise and experience: With extensive knowledge of UAE laws and regulations and over 20 years of experience, Debt Works can navigate the complex debt collection process on your behalf.
  • Amicable settlement: Debt Works prioritizes reaching an amicable settlement with debtors, using effective negotiation techniques to achieve the best possible outcome for creditors.
  • Legal support: If necessary, Debt Works can coordinate with legal experts to pursue legal action against debtors, ensuring compliance with UAE laws and regulations.
  • Customized strategies: Debt Works understands that each debt situation is unique and requires a tailored approach. They develop customized debt collection strategies based on the specific needs and circumstances of each case.
  • Transparent communication: Debt Works keeps clients informed throughout the debt collection process, providing regular updates and maintaining open lines of communication.


Debt collection in the UAE can be a challenging process, with various laws, regulations, and practices to navigate. Understanding the forms of debt in the country and the steps involved in recovering outstanding debts is crucial for businesses and individuals. Debt Works offers expert support and guidance, helping clients in Dubai recover their debts efficiently and effectively. With their expertise, experience, and customized strategies, Debt Works is well-equipped to handle even the most complex debt collection cases.

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