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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

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Pakistan Debt Collection – No Win No Fee


Creditreform operates a global specialist International debt collection 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.

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:

  1. The local cultures
  2. The languages
  3. The laws
  4. 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

Number of debt collection staff?


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 recover both commercial (B2B) and consumer (B2C) in Pakistan

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)?

  1. Securities Exchange Commission of Pakistan (SECP)
  2. 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?


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.

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.

“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial