Rights You Have Against Debt Collectors

What actions are allowed when a debt collector contacts you? Knowing your legal protections helps you deal with the situation clearly. Debt collection is regulated, and there are rules collectors must follow.

Find here the rights individuals have when dealing with a debt collector Dubai.

Protection from harassment:

Debt collectors are not allowed to use threats or intimidation. They must not shout, use abusive language, or repeatedly call to annoy you. Contact during unreasonable hours—such as late at night or early in the morning—is also restricted. You have the right to request that the collector communicates only in writing or stops calling altogether.

Limited contact with others:

Collectors may contact family, friends, or employers—but only to get basic information like your address or phone number. They are not allowed to discuss your debt with anyone else. If they continue to contact someone other than you about the debt, it may go against legal rules.

Right to written notice:

A debt collector must send a written notice that includes the name of the creditor, the amount owed, and how you can challenge the claim. This must be sent shortly after their first contact with you. You have the right to receive this notice before any further action takes place.

Disputing the debt:

If you believe the debt is incorrect or not yours, you can send a written dispute within a specific timeframe. Once the collector receives your letter, they must stop contacting you until they verify the debt and provide evidence. This gives you the chance to ask questions and request documentation.

Requesting no further contact:

You have the right to ask a debt collector to stop contacting you completely. This must be done in writing. Once the request is received, the collector is only allowed to contact you again to confirm they will stop, or to let you know about legal steps they might take.

Protection of your personal information:

Debt collectors must handle your information with care. They are not allowed to share your details publicly or use it in ways that cause embarrassment. Letters must not display the nature of the debt on the outside of the envelope or in ways visible to others.

Reporting unfair practices:

If you feel a debt collector is not following the rules, you can report them to a consumer protection agency. This includes local regulators or national offices that monitor financial conduct.