Q: What is a professional debt collection service?
A: A professional debt collection service is a specialized business that collects past-due accounts for creditors. Professional debt collectors are third parties to the transaction that created the debt. They are collecting for the creditor but are not employees of the creditor. Sometimes third-party collectors are confused with creditors who have in-house departments collecting on their own behalf.

Q: Why are accounts referred for collection?
A:Most accounts are referred for collection because they have gone unpaid beyond the due date and  often  the creditor has not received any communication from the consumer. People who provide goods and services to consumers on credit rely on their customers' promises to pay. While they value their customers, they must also depend on payment to meet their own costs and expenses. The longer an account remains unpaid, the less likelihood that it will be paid. When the creditor can no longer afford to carry past-due accounts and cannot collect them economically, the accounts are either written off, or referred to professional, third party collectors.

Q: What does a typical professional collection office do?
A: The collection service receives past-due accounts when those accounts cannot be collected economically by the creditor. Third-party collection services can  often collect  accounts more efficiently than creditors because their operations are streamlined and specialized for that purpose. Often the collection service has to first find an accurate address or phone number so that they can contact the person who owes the account, a process called "skiptracing." After confirming the proper address, the office must include in a first written communication to the consumer a validation notice that allows him or her to dispute the validity of the debt and/or request verification of the debt. Although exact procedures vary by collection office, type of account and client, the consumer then receives a letter or phone call from a collector, who asks for payment in full. If payment in full is not possible, the collector works with the debtor to solve the payment problems and make workable arrangements.

Q: What is your fee?
A: Our fee structure is based on "No Collection, No Fee Commission" basis. A commission is charged on successful collection and collected amount only. We have a standard collection rate but depending on the volume and nature of the debts, preferential rates may be given to clients.

Q: What is your turnaround time for collection?
A: We work on the cases between two to eight weeks before getting back to the clients. This allows us to perform all the necessary searches and investigations, to contact and make appointments with the debtors and to conduct all the necessary follow-up action.

Q: How do I assign my cases to you?
A: Send us an E-mail and let us find out more about the nature of the debt. Or send us your contact and we will call you or get in touch by phone or fax. If necessary, arrangements can be made for us to visit you.

Q: Can you handle bad checks / judgments / old debts / personal debts?
A: A bad check is a bad debt, and can even be evidence of fraud. It is often more collectible than a sales invoice. We take accounts of any age and from Dhs.5,000 upwards, so send your problem accounts to us today?

Q: Are your rates the same for all debts processed?
A: Commercial rates are always lower than non-commercial. Generally, you'll find our rates are less than rates charged by traditional agencies. Most important, we consistently make personal, professional contacts on your debtor(s). Price is always important, but the old adage that you get what you pay for is also true. 

Q: What is your ratio of recovery?
A: There is no quick answer for this question. The ability to collect is basically dependent on how well you, the creditor, have done your job, the age of the debt, the amount and location of the debtor. If your information is outdated, and your claim is old and poorly worked, our job is made more difficult. It will also differ on whether the debt is of a commercial or consumer nature. We will provide you with advices on contact. 

Q: How fast will you take legal action?
A: Our skills are to collect without legal action in the first place. Legal action is available at your discretion, but our program is a pre-litigation series of personal contacts directed upon your debtor. It is the speed and intensity of these professional, personal contacts that gets the results we both desire. Having said this, if legal action is required or recommended we will inform you on what action has been taken, why we recommend legal action, the estimated cost of same.

 Q: What kind of debts do you collect?
A: In general, we accept all kinds of claims provided the following conditions are met:
Proper documentation to support the claim, e.g. Invoices, bills, purchase delivery orders, contracts, etc. and client and debtor are not in the midst of litigation.

Q: Do you have an operating procedure?
A: Collection is the ultimate aim in our business. However, we also strongly believe in upholding the corporate image of our clients and will not compromise our operating procedures.

• Besides having our own code of conduct and business ethics, we have set in place certain procedures to help keep us on track.
• Regular meetings with our clients to obtain their feedback and upgrade our services accordingly.
• Provide& ensure that our clients are kept informed of collection results by information gathered in the course of investigations and collections  by our officers.
• We believe that the information gathered can also help our clients improve our services to their customers and incorporate this  feedback into their own operating procedure.
• Provide a value-added service of advising our client on the next best course of action where we fail to collect, e.g. giving our client sufficient information on the debtor's financial and litigation history to enable our client to decide whether it is worth taking up legal proceedings against the debtor.

Q: What is your collection procedure like?
A: Our general modus operandi is: the debtor is contacted directly via telephone, solicitors letter or a field call and all efforts are made to settle the debt amicably without having to instigate legal action. Most of the assignments are completed at this stage. In the event our efforts are not successful at first stage we then assess the debtors financial situation and assets.

In the event our investigations establish that there are assets that would provide satisfaction of your debt, and the debtor refuses to respond to our attempts to negotiate the recovery, we shall report to you accordingly, advise you if legal action in our opinion is warranted, and if so what costs would be involved. This ensures that you retain at all times control of the file/s and costs associated with such legal actions.

Q: What will it cost me if you don't collect?
A: Our fee is based only on collection. There is no fee if we fail and our costs for our recovery are only those quoted in our Agreement. There are NO advance fees. NO binding agreements. You pay only our low fee if we collect. There is no other charge, unless you elect to proceed to legal action.

Q: Besides collecting bad debts, what other kinds of services do you offer?
A: Collecting bad debts for individual and corporate clients is only one part of our business. Our legal associates provide legal advice and consultancy, field collection, credit and debt management programs and comprehensive accounts receivable and accounts payable management and collection services to clients.

We are always available to our clients, for discussions and to offer advice and implement programs to overcome or resolve their problems.