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 UAE

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 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. Although Arabic is the official language of the UAE, English is the most spoken language in Dubai. There are also many expatriates who speak Hindi, Urdu, Chinese to name a few. 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 UAE

10-15 years to file legal action and 5 years for bounced cheques. Note there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

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:


    United Arab Emirates (UAE) Debt Collection Services – No Win No Fee

    Creditreform operates a global specialist International debt collections 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. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement.

    Unlike Western countries, the United Arab Emirates treats debt as a criminal matter rather than a civil one. The result being 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.

    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 best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service United Arab Emirates:

    Location of debt recovery office in UAE ?

    Dubai. All debt collection letters are sent by the local head office

    Number of debt collection staff?

    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 service in UAE ?

    Since 1994

    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 collections cases. 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 ?

    10-15 years to file legal action. 5 years for bounced cheques.

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

    1 public court in each of the seven Emirates.

    What is the debt collection process in UAE ?

    All documents must be in order, debtor company should still be operational. Not allowed to contact family, unless specified in the contract signed. Not allowed to visit private quarters of individuals without a court order.

    Average length of time to collect a debt?

    6 months

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

    Only if specified and agreed to in the contract

    Details on legal service / process in UAE ?

    All documents must be legally translated into Arabic. Court will first review documents before accepting any case. All legal costs should be paid in advance. 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 United Arab Emirates (UAE) Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    United Arab Emirates (UAE) Tracing Agents

    Creditreform’s debt collection company service also uses expert local United Arab Emirates (UAE) tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including the UAE 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 without knowing the laws and the processes required in each country. Using the local international debt collection agency 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.

    UAE Debt Collection Partners in all 7 Emirates


    “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