Commercial debt collection
B2B debt between companies — supply, services, trade credit and contract balances. The core of what we do, and where amicable recovery works best.
Commercial collection →Debt Collection Dubai · UAE-Wide Recovery
Recover what you are owed — without paying up front.
We collect unpaid invoices, dishonoured cheques and overdue commercial debt for businesses across Dubai and the wider UAE. Most matters settle before anyone goes near a courtroom. You pay a percentage of what we actually recover — nothing if we recover nothing.
Dubai Debt Collection is a debt collection agency, not a law firm. Where a matter has to escalate to formal proceedings, it is referred to and handled by our associate advocates in the UAE.
No win, no fee
You pay a percentage of what is recovered. Nothing up front.
Amicable first
Structured pre-legal recovery before any formal proceedings.
UAE-wide
All seven emirates, plus DIFC and ADGM matters.
Cross-border
Foreign creditors owed money in the UAE, and the reverse.
What we recover
Debt recovery services in Dubai and across the UAE
Six routes to the same outcome. Which one applies depends on what you hold — an invoice, a cheque, a signed contract, or a judgment nobody has enforced.
Unpaid invoice recovery
Single overdue invoices and aged receivable ledgers. We verify the debt, establish why it was not paid, then pursue it on a structured schedule.
Invoice recovery →Bounced cheque recovery
Dishonoured and security cheques. The civil and criminal routes are different in the UAE, and choosing the wrong one costs you time you cannot get back.
Cheque recovery →Consumer debt collection
Individual debtors — personal loans, unpaid service accounts and defaulted instalment agreements, handled within the UAE's conduct rules.
Consumer collection →International & cross-border
Foreign companies owed money by UAE debtors, and UAE businesses owed money abroad. Recovery through our partner network in the debtor's own jurisdiction.
Cross-border recovery →Judgment enforcement
You already won and still have not been paid. Enforcement is a separate process from obtaining the judgment, and it is where most creditors stall.
Enforcement →How recovery works
From first call to money in your account
Every case follows the same sequence. You are told which stage you are at, and nothing escalates without your instruction.
STAGE 01
Free case assessment
You send the invoice, contract or cheque and tell us what has happened so far. We tell you whether the debt is worth pursuing, which route fits, and what it will cost you if we recover. If we think you should not pursue it, we say so.
STAGE 02
Verification and debtor profiling
We confirm the debt is documented and enforceable, identify the correct legal entity behind the debtor, and establish whether the non-payment is a dispute, a cash-flow problem, or avoidance. The strategy follows from that answer.
STAGE 03
Formal demand
A written demand goes to the debtor setting out the amount, the basis for it and a deadline. Most debtors respond at this stage, because a demand from a third party signals that the creditor has stopped absorbing the delay.
STAGE 04
Negotiation and settlement
Direct contact with the debtor by phone and in writing, in Arabic or English. Where full payment is not realistic we negotiate a documented settlement or instalment schedule — and you decide whether to accept it before anything is signed.
STAGE 05
Escalation, if it is needed
If the debtor will not engage, the file is prepared for formal action and referred to our associate advocates in the UAE, who handle the proceedings. You approve the escalation and the cost basis before it happens.
Sector experience
Industries we collect for
Payment behaviour differs by sector. A main contractor withholding against a retention claim is a different problem from an insurer sitting on a TPA-rejected file.
Construction
Retentions, variations, subcontractor balances and payment certificates.
View →Real estate
Service charges, rent arrears, brokerage commission and fit-out balances.
View →Healthcare
Insurer and TPA receivables, corporate accounts, clinic and hospital ledgers.
View →Logistics & shipping
Freight, demurrage, detention and unpaid port and handling charges.
View →Trading & distribution
Trade credit, distributor accounts and cross-border supply balances.
View →Hospitality
Corporate and OTA accounts, event balances and supplier disputes.
View →Facility management
Annual maintenance contracts, community fees and service agreements.
View →Recruitment
Placement fees, rebate disputes and unpaid staffing invoices.
View →UAE coverage
Where we collect
Based in Dubai, working across all seven emirates. Where the debtor sits determines which forum applies — onshore courts, DIFC or ADGM — and that changes the strategy from the first day.
International recovery
Owed money across a border?
We act for foreign creditors pursuing UAE debtors, and for UAE businesses chasing debt abroad through partner agencies in the debtor's own jurisdiction.
Cross-border files turn on two questions: whether the debt is documented well enough to enforce, and whether a judgment obtained in one country can be recognised in the other. Both are worth answering before you spend anything.
Fees
No win, no fee — stated plainly
Most agencies in this market say "no win, no fee" and then never explain what it means. Here is the whole structure.
- Nothing up front No registration fee, no retainer and no monthly charge to place a claim with us.
- A percentage of what is recovered Our fee is a commission on money actually collected, agreed in writing before we start. The rate depends on the age and size of the debt.
- Costs are separate and approved If a matter escalates to formal proceedings, court fees and advocates' fees are separate from our commission — and never incurred without your written approval.
Common questions
Debt collection in the UAE, answered
What does debt collection cost?
We work on a no win, no fee basis: there is nothing to pay up front, and our fee is a percentage of what we actually recover, agreed in writing before we start. If a matter has to escalate to formal proceedings, court fees and advocates' fees are separate — and we never incur them without your written approval.
When should an unpaid invoice be treated as a debt?
As a working rule, once an invoice is 60 to 90 days past its due date and the debtor has stopped giving straight answers, it has moved from a collections problem to a recovery problem. Debt gets harder to collect the older it becomes — contacts leave, companies restructure, and evidence goes cold — so the practical answer is: sooner than most creditors are comfortable with.
How long does recovery take?
It depends entirely on whether the debtor engages. A debtor who responds to the formal demand and agrees a settlement can be resolved in weeks. A debtor who ignores everything and has to be taken through formal proceedings takes considerably longer. We will give you a realistic range for your specific file at the assessment stage rather than a number that sounds good on a website.
Are you a law firm?
No. Dubai Debt Collection is a debt collection agency. We handle amicable and pre-legal recovery ourselves. Where a matter requires formal legal proceedings, it is referred to and handled by our associate advocates in the UAE, and we tell you before that happens.
My debtor gave me a cheque and it bounced. What now?
A dishonoured cheque in the UAE can open more than one route, and they are not equivalent — the right one depends on the type of cheque, what it was given for, and what documentation sits behind it. A security cheque handed over at the start of a supply relationship is treated very differently from a cheque issued in settlement of an agreed balance. Send us the cheque and the underlying paperwork and we will tell you which route actually applies.
We are based outside the UAE. Can you still act for us?
Yes. A significant part of our work is for foreign creditors owed money by UAE-based debtors. You do not need a UAE presence to instruct us. What matters is the strength of your documentation — a signed contract, delivery evidence, invoices and any written acknowledgement of the debt.
Will the debtor know a collection agency is involved?
Yes, and that is usually the point. A demand arriving from a third party tells the debtor that the creditor has stopped absorbing the delay internally. In most files that alone changes the response. All contact is made professionally and within the conduct standards that apply in the UAE.