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Respond to UAE Debt Collectors with These 3 Great Pointers

Home / Business Law / Respond to UAE Debt Collectors with These 3 Great Pointers
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Debt collectors can be a source of anxiety and stress for individuals who are struggling to pay off their debts. In the United Arab Emirates (UAE), strict laws govern the behaviour of debt collectors to protect consumers from harassment and abuse. However, even with these laws in place and the help of the best lawyers, it can be challenging to know how to respond to debt collectors. Here are three great pointers to help you respond to them:

Know Your Rights

The first and most important step in dealing with debt collectors in the UAE is to know your rights. The UAE Central Bank has set out guidelines that debt collectors must follow, which include:

  • Debt collectors must identify themselves and provide their contact details.
  • Debt collectors cannot threaten or abuse.
  • Debt collectors cannot contact you at ungodly hours or in a manner that is harassing.
  • Debt collectors cannot disclose your personal information to a third party without your consent.

If you feel that a debt collector has violated these guidelines, you can file a complaint with the UAE Central Bank. Additionally, you can request a written confirmation of the debt and a breakdown of any fees or interest charges added to the original amount owed.

Know that debt collectors in the UAE do not have the power to arrest or detain you for failing to pay a debt. However, they can take legal action against you and may be able to seize assets or garnish your wages.

Communicate in Writing

When dealing with debt collectors in the UAE, it’s best to communicate in writing. This will provide a record of all communications and ensure that you have evidence in case of any disputes. When communicating in writing, it’s important to be clear and concise. You should state your position clearly and provide any relevant information, such as proof of payment or evidence of financial hardship.

If you are unable to pay the debt in full, you can propose a repayment plan that is affordable for you. This will demonstrate your willingness to pay and may help prevent legal action against you. However, it’s important to only agree to a repayment plan you can afford.

Seek Professional Advice

If you are struggling to deal with debt collectors in the UAE, it may be beneficial to seek professional advice. Several organisations provide free or low-cost debt counselling services, including the Emirates Foundation for Youth Development and the UAE Debt Settlement Committee.

Additionally, if you are facing legal action, it’s important to seek the advice of a qualified business lawyer. They can help you know your legal rights and obligations and may be able to negotiate with the debt collector on your behalf.

Gain Full Legal Assistance from Al Kabban & Associates

Dealing with debt collectors in the UAE can be a stressful and challenging experience. However, by knowing your rights, communicating in writing, and seeking professional advice, you can protect yourself and ensure that any disputes are resolved fairly and reasonably. Remember, strict guidelines bind debt collectors, and if you feel that they have violated these guidelines, you have the right to file a complaint with the UAE Central Bank.

Al Kabban & Associates Advocates and Legal Consultants has established a debt recovery department to help clients recover overdue debts, including trade, travel, medical, and mortgage payments. We employ high standards of integrity and confidentiality in our collections and can provide legal assistance in filing civil and criminal cases for debt recovery. We can also conduct asset and investment searches through the UAE courts to increase the likelihood of success. Call us to talk to a business lawyer in Dubai today.

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