About us
A debt collection agency, and nothing more than that
We recover commercial and consumer debt for businesses in Dubai and across the United Arab Emirates. We are not a law firm, we do not give legal advice, and we would rather say so on this page than let you find out later.
What we do
Businesses supply goods and services on credit, and some of that credit does not come back. We are the step between an internal accounts team that has run out of options and a court process that most creditors would rather avoid.
The work is amicable recovery: verifying that a debt is real and enforceable, identifying the correct entity behind the debtor, issuing a formal demand, and then negotiating — directly, in Arabic or English — until the money is paid or a documented settlement is agreed. Around that sits cross-border recovery for creditors outside the UAE, and enforcement support for creditors who already hold a judgment nobody has acted on.
What we are not
We are not a law firm and we do not hold ourselves out as one. We do not provide legal advice, we do not represent clients in proceedings, and we do not draft pleadings.
Where a matter genuinely requires formal legal action, it is referred to and handled by our associate advocates in the UAE, who are licensed to do that work. We tell you before the referral happens, you see the cost, and you approve it.
This distinction gets blurred constantly in this market, usually because "legal" reads as more impressive on a website. It is worth being clear about, because a creditor who thinks they have engaged legal representation and has in fact engaged a collection agency will make decisions on a false basis.
You will notice we do not use phrases like "our legal team", "we will sue your debtor" or "debt recovery lawyers". That is deliberate. Everything we say we do, we can do.
How we work
- No win, no fee. Nothing to place a claim, nothing while we work it, and a percentage of what is actually recovered if we succeed. The fees page sets out the whole structure rather than the slogan.
- An honest assessment first. If we think a debt is not realistically recoverable, we say so and decline the file. An agency that takes every claim on a contingency basis and works the easy ones is not doing you a favour.
- Amicable before adversarial. Most commercial debt is recoverable without proceedings, and proceedings are slower and more expensive than a settlement almost every time. Escalation is a decision, not a default.
- You approve everything. No settlement is accepted and no escalation is started without your instruction.
Who we act for
Mostly businesses that supply on credit and have exhausted their internal process: contractors and subcontractors, traders and distributors, logistics operators, healthcare providers with insurer and corporate receivables, facility management companies, and professional services firms.
A significant part of the work is for creditors outside the UAE who are owed money by a UAE debtor and have no practical way to pursue it from where they are. You do not need a UAE presence to instruct us.
Where we work
Based in Dubai, acting across all seven emirates. Where a debtor sits determines which forum would apply if a matter escalates — onshore courts, DIFC or ADGM — and that changes the approach from the first day rather than at the end.
Standards
How debtors are treated
Recovery works because it is persistent and documented, not because it is aggressive. Two things follow from that, and both are commercial rather than merely ethical.
- Contact stays professional. Harassment, threats and pressure on a debtor's family or employer are outside the conduct standards that apply in the UAE, and they also produce worse outcomes — a debtor who feels cornered stops answering the phone.
- Claims are verified before they are pursued. Chasing a debt that turns out to be disputed on good grounds, or owed by a different entity, damages your position rather than advancing it.
Some agencies in this region market the threat of criminal consequences as a collection tool. We do not. Where a matter genuinely raises questions of that kind, it is one for our associate advocates to assess and advise on — not for a collection agency to deploy as leverage in a negotiation.