Debt Collections Handbook UAE 2017

Debt Collection Reports

  • United Arab Emirates
  • Agriculture,
  • Automotive/Transport,

7th July 2017

Having drawn from the expertise of the Atradius Collections' local offices, the International Debt Collections Handbook explains the different stages, regulations and procedures for the Emirates.

Amicable phase



Handbook Report Page - Amicable Phase


We recognise that every client has different needs, and therefore our services are tailored to the client’s specific requirements. We follow proven principles of negotiations. Keeping close contact with debtors, we are able to evaluate genuine cash flow problems and stalling excuses for nonpayment and persuade debtors to pay the debt in an amicable manner. Field visits and face-to-face meetings with the debtors are an integral part of our collection initiatives.


Though the chief justice of the Supreme Court in a suit filed by a bank for recovery ruled that “ordering the borrower to pay interest for late payments can be considered a sort of damages, which is compliant with both UAE law and Sharia”, from a cultural point of view and in practice, debtors in the UAE do not pay interest on delayed payments.


From a cultural point of view and in practice, debtors in the UAE do not pay collection costs.

The Debt Collections Handbook presents a snapshot of UAE's local economic situation and covers the following topics:

  • Legal procedures
  • Timeframes and outcomes
  • Insolvency Procedures
  • Changes under new laws

To read more about steps and procedures undertaken in the field of debt collection:

Download Debt Collections Handbook UAE now!



The statements made herein are provided solely for general informational purposes and should not be relied upon for any purpose. Please refer to the actual policy or the relevant product or services agreement for the governing terms. Nothing herein should be construed to create any right, obligation, advice or responsibility on the part of Atradius, including any obligation to conduct due diligence of buyers or on your behalf. If Atradius does conduct due diligence on any buyer it is for its own underwriting purposes and not for the benefit of the insured or any other person. Additionally, in no event shall Atradius and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the statements made information herein.