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The ultimate guide about debt collection in Egypt

Do you have a problem with someone who owes you money? We can help you get your money back! We have helped other businesses in Egypt recover debt before. It can be difficult to get your money back from someone in another country, but we know how to do it.

At Debitura, we care about people. We want to help you get your money back, but we also want to keep a good relationship with the person you borrowed from. Our PR efforts are fair and firm. This means that we will do everything we can to help you, but we also want to make sure that your reputation is not hurt in the process. If you want to understand more about how to collect debt in Egypt, read on. But if you would rather work with a law firm that specializes in this area, we can help you with that too.

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Quick, professional and hassle-free B2B and B2C debt collection. 87% Consistent recovery rate – a testament to our global effectiveness. 4.97/5Average rating from a diverse global clientele of over 5,000.

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The debt collection process in Egypt

The debt collection process in Egypt usually happens in more than one step.

The image below explains our standard process for collecting debt in Egypt:

1 Upload your claim:

If you want someone to help you get your money back, you will need to find a debt collection partner. This is a person or company that helps people get money that they are owed. You will need to give them some information about your case, and they will try to get the money for you. If you use Debitura, we will give you 3 quotes from local partners in the Africa country relevant to your case. This is 100% free - no strings attached.

2 Amicable collection:

The collection process begins with sending reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, and other ways in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are risk-free!

3 Evaluation:

If you have not received payment from the debtor after trying to work things out, it is time to look at what to do next. We will look at how much money you are owed, the chance of getting paid and other factors. There are three common next steps:

A: Surveillance:

If you are owed less than 2,000 to 5,000 Euros, it is often not worth taking any more legal action. In this case, we recommend "debt surveillance". This means that we will keep trying to contact the person who owes you money and try to reach an agreement about how much they will pay you back.

B: Legal collections:

We suggest that you begin going through a legal process if you have a big claim. The steps you need to take will vary depending on the specific kind and amount of your claim. Usually, it takes about a year and a half to complete the process.

C: Debt enforcement:

If the person who owes you money has said that they owe you money or if there is a court order, you can go to the bailiff's office to get your money.

At Debitura, we can help you with all three steps in Egypt.

01
Amicable Collection Phase

Initiate with a friendly, out-of-court collection aimed at an amicable resolution. This phase generally includes: Direct Communication, Reach out to your debtor to understand the payment delay. Payment Reminders: Use various communication methods (email, SMS, letters) for sending reminders. Formal Notice: Issue a formal notice letter, outlining the debt and the consequences of non-payment.

02
Court Proceedings

If the amicable approach fails, escalate the matter through legal proceedings to obtain a court judgment, essential for debt enforcement.

03
Debt Enforcement

With a court judgment in hand, you can pursue coercive measures like asset seizure and sale, referred to as debt enforcement.

04
Bankruptcy Proceedings

In cases where the debtor has no assets for seizure, consider filing for bankruptcy. If the debtor is already bankrupt, submit your claim promptly for verification.

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Introduction to collecting debt in Egypt

If you have trouble getting people to pay you money they owe you in Egypt, don't worry. We can help you get paid by your Egyptian customers. The person who owes the money is called the debtor, and the person who issued the debt or invoice is called the creditor. If the creditor collects the debt him- or herself, it's called first-party collection. If the creditor outsources the collection process to a third party, that's called third-party collections.

New to debt collection?
The debt collection process can be complex and daunting for those new to it. Our team of experts is here to help you understand the process and navigate it with ease. Get free expert advice on your specific case, provided by our team of experienced professionals.
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Thanks to Debitura's excellent debt collection services in Egypt, we were able to recover the outstanding amounts owed to us without any hassle. Their team is professional, efficient and affordable, making them our go-to partner for debt recovery."
Hassan Ahmed - Chief Financial Officer
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura helped us with debt recovery Netherlands and provided exceptional service. They were efficient, professional, and helped us collect what we were owed."
Katharina Schmidt - Controller
4.97/5
Average rating based on feedback from over 600 satisfied clients
87%
Average debt recovery rate, exceeding industry standards
100M+
Debt recovered for our clients in the past 18 months

The debt collection process in Egypt

The debt collection process in Egypt usually happens in more than one step.

The image below explains our standard process for collecting debt in Egypt:

1 Upload your claim:

If you want someone to help you get your money back, you will need to find a debt collection partner. This is a person or company that helps people get money that they are owed. You will need to give them some information about your case, and they will try to get the money for you. If you use Debitura, we will give you 3 quotes from local partners in the Africa country relevant to your case. This is 100% free - no strings attached.

2 Amicable collection:

The collection process begins with sending reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, and other ways in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are risk-free!

3 Evaluation:

If you have not received payment from the debtor after trying to work things out, it is time to look at what to do next. We will look at how much money you are owed, the chance of getting paid and other factors. There are three common next steps:

A: Surveillance:

If you are owed less than 2,000 to 5,000 Euros, it is often not worth taking any more legal action. In this case, we recommend "debt surveillance". This means that we will keep trying to contact the person who owes you money and try to reach an agreement about how much they will pay you back.

B: Legal collections:

We suggest that you begin going through a legal process if you have a big claim. The steps you need to take will vary depending on the specific kind and amount of your claim. Usually, it takes about a year and a half to complete the process.

C: Debt enforcement:

If the person who owes you money has said that they owe you money or if there is a court order, you can go to the bailiff's office to get your money.

At Debitura, we can help you with all three steps in Egypt.

Amicable collection in Egypt

At Debitura, we offer a 100% risk-free and very efficient process for Amicable collections. This means that you can submit your claim to us, and we will get started within 24 hours.

We will contact your debtor through different channels in Egypt. This might include email, text messages, letters, phone calls, and social media.

The goal of this process is to:

A) Get the person who owes you money to pay the full amount. 
B) Get the person who owes you money to say that they owe you money and start giving you some of the money each month until it is all paid off.

If the person you are trying to get money from has said they do not owe you money, you cannot try to resolve this issue without going through the legal system.

Amicable Collection - Key Takeways

Introduction to collecting debt in Egypt

If you have trouble getting people to pay you money they owe you in Egypt, don't worry. We can help you get paid by your Egyptian customers. The person who owes the money is called the debtor, and the person who issued the debt or invoice is called the creditor. If the creditor collects the debt him- or herself, it's called first-party collection. If the creditor outsources the collection process to a third party, that's called third-party collections.

Explore our step-by-step guide for amicable debt collection
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Free Demand Letter Template

Get started with
amicable debt collection

Upload your claim and get started with our 100% no-cure-no-pay collection solution.

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Find a Debt Collection Lawyer

Finding the right lawyer for judicial debt collection is crucial. Debitura offers a streamlined 'Find a Lawyer' service, drawing from our network of 500+ local attorneys across the globe. Describe your needs and quickly get tailored proposals from up to three top lawyers.

Your Benefits at a Glance:

  • Verified Lawyers: Access vetted professionals for reliable representation.
  • Free Matching & Quotes: Get matched and receive quotes with no hidden fees.
  • Competitive Rates: Benefit from fair, negotiated pricing for quality services.

Explore the profiles of our esteemed local partners below and take the first step towards securing your legal advantage with Debitura.

9 Elmatba Buildibgs, 1st Floor, Office 4, Behind Ain Shams University, Abbasiya, Cairo, Egypt
The Egyptian Law Firm

International Debt Collections Office located in Egypt, and have associated offices in 9 countries in the Middle East.

Lawsuits
Legal collection
Debt enforcement
9
2000
Law firm
46 El-Thawra St. – Heliopolis – Cairo – Egypt
Andersen Egypt

Andersen Egypt has been recognized as one of the top law firms in Egypt, offering comprehensive and varied legal and tax services to companies and individuals, in addition to financial advisory services.

Lawsuits
Legal collection
Debt enforcement
50
1986
Law firm
5D/5 New Maadi, Cairo - Egypt
Al Bedeawi & Partners Law Office

We are dedicated to tirelessly recovering damages for our individual and commercial clients, making sure that you get the compensation you are entitled to. We also provide a complete set of services for the debit collection proceedings starting from issuing demand letters, drafting amicable agreements, litigation process and judgment enforcement.

Lawsuits
Legal collection
Debt enforcement
10
2008
Law firm
Apartment no. 805, Tower C, Elmamoura Towers, Seventh District, Nasr City, Cairo, Egypt.
Sadany & Khalifa

Welcome to our highly specialized law firm in Egypt. Our team of experts is committed to providing unconventional and effective solutions to any issues and disputes confronted by our clients. We are proud to be one of the most trusted, reliable, and dynamic law firms in Egypt. Our client base includes many foreign governments, multinational companies, and major nationalistic projects, with capital exceeding billions of dollars. Trust us to represent your interests with the same level of dedication and expertise that we have provided to our prestigious clients.

Lawsuits
Legal collection
Debt enforcement
35
2017
Law firm
Cairo , Egypt
H&Z Law Firm

H&Z Law Firm is headquartered in the heart of Golden Square in New Cairo, Egypt. We provide high-quality, cost-effective, and timely legal services nationally and globally. Individuals and corporate organizations with commercial interests in Egypt can rely on us for a wide range of comprehensive legal services.

Lawsuits
Legal collection
Debt enforcement
10
2020
Law firm
33 Abd El Khalek Tharwat - Abdeen - Cairo
Al-Tarek Law Firm

We are highly experienced in Civil and Commercial Litigations and company formation as well

Lawsuits
Legal collection
Debt enforcement
10
1985
Law firm

Debt enforcement in Egypt

If you have written proof that the person you are owed money by has acknowledged your claim, or if there is a court order, you can go to the bailiff's court in Egypt to get your money.

The process and how much it costs depend on your case. You can upload your case to Debitura. They will give you 3 quotes for your claim within 24 hours.

Debt Enforcement - Key Takeways
Explore the cost and time frame for debt enforcement
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Explore asset seizure and salary attachment options
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Get started with debt enforcement. Create a free profile, and get 3 quotes from local lawyers.

Get started with
debt enforcement

Upload your claim and get 3 FREE quotes from our local collection partners.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

Insolvency proceedings in Egypt

If your debtor cannot pay his debts, you can start an insolvency procedure. The goal of this procedure is to sell the debtor's assets and give the money to the creditors. The creditors with the most important debts will get paid first.

Insolvency Proceedings - Key Takeways
Explore our step-by-step guide for insolvency proceedings
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Collecting cross border claims - Key Takeways
Explore cross border collection options
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Country Risk Rating

Our analysis concludes that the risk of running a business in Egypt is medium. Based on this medium score, we recommend being careful providing credit and considering charging upfront payment or using credit insurance when trading if you don't know the customer in Egypt well. If possible, provide a short credit period or even better upfront payment. The average risk is conluded on the following areas:

Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Key Takeways
Explore Payment Trends and DSO
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Explore main corporate structures
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Explore detailed country risk analysis

The economic risk in Egypt

Our analysis shows that the economic risk in Egypt is high (5 out of 6). An economic risk of 5 out of 6 is pretty average in Africa.

GDP and economic growth are critical drivers for economic risk.
The GDP of Egypt is 404,14 bn. USD (2021), growing by 3,33% per year.

In terms of the size of its economy, Egypt ranks #34 out of 183 countries and has a large economy.

In terms of growth rate, it is ranked #121 out of 183 countries and is therefore considered an excellent growing economy.

GDP per capita is 3876 USD, ranking Egypt number #110 out of 183 countries. The result of this is purchasing power of citizens in Egypt is pretty average compared to all the countries in the world.

You can see a more throughout picture of GDP and economic growth in Egypt in the table below:

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP3,33%
Gross Domestic Product, billions of U.S. dollars404,14
GDP per capita, current U.S. dollars3876,36
GDP per capita, Purchasing Power Parity12121,16

Another huge impact for the economic risk score is the inflation rate and the interest rates. You can see a more throughout picture of monetary KPIs in Egypt in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index5,5%
Business credit interest rate, percent9,43%

The inflation in Egypt was 5,5% in 2021 which is considered a medium inflation rate.

The interest rate for businesses is 9,43%.

The business environment risk in Egypt

Our analysis shows that the business environment risk in Egypt is medium-high (4 out of 6), which is a relatively low risk score in Africa.

Economic freedom and rights determine the business environment risk in a country. You can see the critical facts for Egypt in the table below:

Economic freedom indexLatest value
Property rights index (0-100)51
Freedom from corruption index (0-100)37
Fiscal freedom index (0-100)87
Business freedom index (0-100)63
Monetary freedom index (0-100)64,3
Trade freedom index (0-100)67
Investment freedom index (0-100)65
Financial freedom index (0-100)50
Economic freedom, overall index (0-100)56

In the above table, you can see, the property rights index is 51 in Egypt, which is considered pretty average in Africa.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 63 in Egypt, a quite good score for a country in Africa.

Egypt's overall economic freedom index is 56 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Egypt

The political risk in Egypt is high, with a score of 5/6. This is a pretty average political risk score in Africa.

The governance and political stability indicators are critical drivers for political risk. An overview of Egypt can be seen in the table below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)-0,24
Government effectiveness index (-2.5 weak; 2.5 strong)-0,43
Control of corruption (-2.5 weak; 2.5 strong)-0,68
Political stability index (-2.5 weak; 2.5 strong)-1,02
Corruption Perceptions Index, 100 = no corruption33
Shadow economy, percent of GDP33,32%

The rule of law index analyses to which extent agents have confidence in and abide by the rules of society, in particular the quality of contract enforcement, property rights, the quality of the courts, and the police's ability to enforce court orders.

When doing business in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.

In Egypt, the rule of law index is at -0,24 points, with the score going from -2.5 (weak) to 2.5 (strong). Egypt has, therefore, a low rule of law index, which means it often is very difficult to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.

Other drivers for the high political risks are the very weak control of corruption, the very weak political stability index, and the large shadow economy that is 33,32% of Egypt's GDP.

The commercial risk in Egypt

In Egypt, the commercial risk score is 3/4, which in our model is a medium score. This medium commercial risk score is relatively high compared to the average in Africa.

The commercial risk is relying on a country's international trade relationships. You can see some of the key facts for Egypt in the table below:

International trade and investment Latest value
Exports of goods and services as percent of GDP11,1%
Exports of goods and services, annual growth-13,39%
Imports of goods and services as percent of GDP20,28%
Trade balance as percent of GDP-9,18
Foreign exchange reserves, billion currency units39.82

Egypt has a foreign exchange reserve of 39.82 bn. USD.

Egypt has a negative trade balance of -9,18% of GDP. This means that Egypt imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing -13,39% annually - now 11,1% of GDP. Import of goods and services represents 20,28% of the GDP in Egypt.

The financing risk in Egypt

We have calculated the financing risk to be 2/4, which equals a low risk. A low financing risk score is relatively low for countries in Africa.

The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Egypt in the table below:

Banking system efficiency and stabilityLatest value
Interest rates on bank credit to the private sector9,43%
Real interest rate: Bank lending rate minus inflation4,4%
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)5
Credit information sharing index, 0 (low) - 8 (high)8

In Egypt, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Egypt is high.

This makes it easy for you to understand the credit risk of your counterpart in Egypt. Based on this, it should be possible to to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.

Your rights as a creditor are 5 out of 12 and, therefore, weak.

The low financing risk for creditors also impacts the high interest rate in the private sector of 9,43%.

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Why Debitura is Your Trusted Authority in Debt Collection

At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.

By the Numbers:

  • Over 10 years of expertise in international debt collection.
  • Network strength: More than 100 local attorneys worldwide.
  • Recovery success: $100 million in debt recovered for our clients in the last 18 months alone.
  • Client trust: An exceptional average rating of 4.97 out of 5, reflecting feedback from over 600 satisfied clients.

Meet the Author: Robin Tam is the cornerstone of our content's credibility. With 16 years dedicated to international debt collection, Robin's expertise is unparalleled. As a leading partner at Debitura, Robin embodies the knowledge and integrity we stand for.

Contributors to This Guide: In our commitment to accuracy, this article has been reviewed and enhanced by esteemed local attorneys, each bringing their specialized legal insights to ensure the information we provide is thoroughly vetted and current:

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