Debt collection in MENA (Middle East and North Africa) countries varies depending on local laws, financial systems, and cultural factors. However, some common trends exist:

Key Aspects

• Regulation: Some countries, like the UAE, Saudi Arabia, and Egypt, have formal debt collection laws, while others rely more on traditional or Sharia-based principles. Debt collection agencies often require licenses.
• Collection Process: Typically starts with notices, phone calls, and negotiations. If unpaid, creditors may escalate to debt collection agencies or legal proceedings.
• Legal Enforcement: In countries like the UAE and Saudi Arabia, unpaid debts can lead to travel bans, asset seizures, wage garnishments, or even imprisonment in extreme cases. Some countries have debt settlement programs to ease repayment.
• Consumer Protections: While laws exist to prevent harassment, enforcement varies. Some countries have financial ombudsmen or mediation services to resolve disputes.