Top-Rated Debt Collection Agency in Jordan

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4.97/5 Average rating from 600+ reviews
WHY USE DEBITURA? 

Recover your debt in Jordan effortlessly.

Debitura specializes in debt recovery services in Jordan, offering a wide range of solutions including accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our team of experienced professionals possesses in-depth knowledge of Jordan's debt collection laws and regulations, enabling us to deliver efficient and effective results to our clients in recovering their outstanding debts.

Receive continuous and unwavering support from the beginning to the end.

Tailored debt recovery plan.

We have a team of over 500 experts who specialize in international debt collection.

Achieving a success rate of 87% while maintaining the lowest cost possible.

INTRODUCING OUR LOCAL PARTNERS: Leading Debt Collection Lawyers in Jordan
Amer Bin Malek, Um Al Summaq, Amman, 11118, Jordan
Sahouri & Partners LLC- Advocates & Legal Consultants

Found, in 1965, on the principles of honesty, integrity and provision of high-quality legal services, Sahouri Law is recognized as one of Jordan’s premier law firms. The law firm’s 55+ years of legal experience uniquely positions the law firm as one of the most knowledgeable of the local market and the legal and regulatory environment in Jordan, enabling the law firm to offer legal solutions with a seamless & speedy approach. In addition to the law firm’s active presence & practice in Jordan, it has established strategic networks and alliances across 30 jurisdictions to offer the best legal services across all practice & geographical areas.

Lawsuits
Legal collection
Debt enforcement
9
1965
Law firm
Number 10 Jabal Arafat street Al Yasmeen Avenue - Amman
Muad Al Fuqaha & Associates

A Personal approach to client service. WE offer solutions tailored to your business & personal priorities, ambitions and concerns.

Lawsuits
Legal collection
Debt enforcement
9
2012
Law firm

The ultimate guide about debt collection in Jordan

If you have money that you are owed from a business or customer in Jordan, we can help you. We have helped many other businesses get their money back, and we can help you too.


It might seem like you can never get the money people owe you if they live in Jordan. But there are ways to try. You might have to try a few things because of differences in language, culture, and laws. And it is harder if they live far away.


If you want to get your money back from someone who owes you money, it is easier to use a collection agency that knows the laws and customs of the country where the debtor lives.


At Debitura, we always put people first. This means that we will do everything we can to get your money back, while still trying to keep a good relationship with the person who owes you money. Our PR efforts are always fair and firm- which means that making sure your reputation is good is our number one goal! If you want to learn more about how to collect debt yourself in Jordan, keep reading this guide. But if you would rather work with a local law firm that specializes in this kind of thing, we can help you with that too.

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.

At Debitura, we provide a way to collect your debt in Jordan and other countries. You can start by uploading your claim. We will assess your case and provide you with 3 free quotes from local debt collection lawyers in Jordan within 24 hours. Our people-oriented approach combined with the latest tech-driven solutions gets results and preserves customer relationships. Our network of debt collectors, attorneys, suppliers and vendors helps us get the job done. We value all of these relationships.

We work with the following process: 
1

Upload claim

Begin collecting your debts in Jordan today at no cost. Simply create a free profile and upload your case in only two minutes.

2

Pre-legal

We'll attempt to retrieve your claim through our successful pre-legal recovery process during the initial three months. With a 100 percent no-cure-no-pay arrangement.

3

Legal

If your outstanding payment is not settled during the pre-legal phase, we connect you with three local debt collection attorneys who will provide you with quotes.

4

24/7 updates

You get access to our online portal where you can track your case in real-time

Introduction to collecting debt in Jordan

Do you have a hard time getting paid by your customers in Jordan? Do not worry; we make it easy for you to collect debt from your Jordanian customers.


The person who owes money is called the debtor. The person who gave the money is called the creditor. If the creditor gets someone else to help get the money back, it is called third-party collections.

The debt collection process in Jordan

The debt collection process in Jordan usually happens in a few steps. The picture below shows the standard way to collect debt in Jordan:

The debt collection process in Jordan here:

1 Upload your claim:

If you want help to get your money back, you will start by finding a company that helps people get their money back from other people. You will give them some information about the person who owes you money, and then they will try to get the money for you. If you use Debitura, we will give you 3 different quotes from companies in Asia that might be able to help you. This service is free - which means there is no extra charge for using it.

2 Amicable collection:

The collection process begins with sending friendly reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, letter, and other ways of communication 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. Amicable collections means that both sides agree to try to work something out. With Debitura, you only have to pay a small success fee if we recover your debt. So it is 100% risk-free!

3 Evaluation:

If the person you lent money to has not paid you back after you talked to them nicely, it is time to figure out what to do next. We will look at factors like how much money you are owed, whether the person is likely to pay you back, and other things. There are three typical next steps:

A Surveillance:

If your claim is less than 2,000-5,000 euros, it is not worth it to take more legal action. In this case, we recommend "debt surveillance." This means that we will keep trying to talk to the person you owe money to and see if we can come to an agreement about payment.

B: Legal collections:

If you have a big problem that needs to be solved legally, it's a good idea to start a legal process. But the steps you need to take depend on the specifics of your problem. Usually, it takes around a year and a half to solve the problem completely.

C: Debt enforcement:

If the person you are trying to get money from agrees that you are owed money, or if there is a court order, you can go to the bailiff's court to try and get your money.


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

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
“Debitura efficiently handled our debt collection case in Jordan. Their team demonstrated great professionalism and expertise in the matter. We highly recommend their services for debt collection in Jordan.”
Sara Ahmed - Accounts Receivable Specialist
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura's debt recovery services in Jordan were fantastic. They quickly resolved our outstanding debts and provided us with excellent customer service. Highly recommended!"
Mariam Al-Ma'aitah - Credit and Collection Manager
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

Amicable collection in Jordan

At Debitura, we offer a 100% risk-free and efficient process for Amicable collections. Submit your claim, and we will get started within 24 hours.


We will contact your debtor in Jordan using all available channels, which may include email, text messages, letters, phone calls, and social media.


The goal of this process is to:


A) get the debtor to pay the full amount or
B) get the debtor to agree that they owe money and start a plan to pay it back


If the person you are trying to get money from has said they do not owe you anything, you cannot try to resolve this issue peacefully. You must go directly to legal collections.

Get started with
amicable debt collection

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

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

Debt enforcement in Jordan

If you have written proof that the person you are suing owes you money, or a court order, you can go to the bailiff's court in Jordan to get your money.

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

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!

Jordan country risk profile

We have looked at Jordan's critical financial data and extrapolated a risk assessment. You can use this analysis to evaluate your payment terms and manage your risk when trading with customers in Jordan.

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

Our analysis concludes that the risk of doing business in Jordan 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 Jordan well. If possible, provide a short credit period or even better upfront payment. The average risk is conluded on the following areas:

Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Business Risk:
3
Business Risk:
3
Business Risk:
3
Business Risk:
3
Business Risk:
3
Business Risk:
3
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Financing Risk:
3
Financing Risk:
3
Financing Risk:
3
Financing Risk:
3

Economic risk in Jordan is high (5 out of 6). An economic risk of 5 out of 6 is relatively high in Asia.

GDP and economic growth are critical drivers for economic risk.
The GDP of Jordan is 45,24 bn. USD (2021), growing by 2,21% per year.

In terms of the size of its economy, Jordan ranks #86 out of 183 countries and has a medium-sized economy.

Having a view at the growth rate, it is ranked #142 out of 183 countries and is therefore considered a slow-growing economy.

GDP per capita is 4406 USD, ranking Jordan number #105 out of 183 countries. This means the purchasing power of citizens in Jordan is around the average compared to all other countries.

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

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP2,21%
Gross Domestic Product, billions of U.S. dollars45,24
GDP per capita, current U.S. dollars4405,84
GDP per capita, Purchasing Power Parity9969,11

Another significant influencer for the economic risk score is the inflation rate and the interest rates. You can see a more detailed picture of monetary key performance indicators in Jordan in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index1,3%
Business credit interest rate, percent7,03%

The inflation in Jordan was 1,3% in 2021 which is considered a very low inflation rate.

The interest rate for businesses is 7,03%.

The business environment risk in Jordan

Our analysis shows that the business environment risk in Jordan is medium (3 out of 6), which is a relatively low risk score in Asia.

The business environment risk are determined by the level of economic freedom and rights in a country. You can see the critical facts for Jordan in the table below:

Economic freedom indexLatest value
Property rights index (0-100)66
Freedom from corruption index (0-100)51
Fiscal freedom index (0-100)85
Business freedom index (0-100)59
Monetary freedom index (0-100)82
Trade freedom index (0-100)71
Investment freedom index (0-100)70
Financial freedom index (0-100)60
Economic freedom, overall index (0-100)65

In the above table, you can see, the property rights index is 66 in Jordan, which is considered pretty average in Asia.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 59 in Jordan, a quite low score for a country in Asia.

Jordan's overall economic freedom index is 65 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Jordan

The political risk in Jordan is medium-high, with a score of 4/6. This is a pretty average political risk score in Asia.

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

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)0,21
Government effectiveness index (-2.5 weak; 2.5 strong)0,23
Control of corruption (-2.5 weak; 2.5 strong)0,05
Political stability index (-2.5 weak; 2.5 strong)-0,28
Corruption Perceptions Index, 100 = no corruption49
Shadow economy, percent of GDP15,16%

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 Jordan, the rule of law index is at 0,21 points, with the score going from -2.5 (weak) to 2.5 (strong). Jordan has, therefore, a medium rule of law index, which means it should be possible to enforce your contracts. If possible, we still recommend charging payment upfront or working with credit insurance for larger deals.

Other drivers for the medium-high political risks are the weak control of corruption, the very weak political stability index, and the normal shadow economy that is 15,16% of Jordan's GDP.

The commercial risk in Jordan

In Jordan, 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 Asia.

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

International trade and investment Latest value
Exports of goods and services as percent of GDP30,62%
Exports of goods and services, annual growth30,54%
Imports of goods and services as percent of GDP51,59%
Trade balance as percent of GDP-20,97

Jordan has a negative trade balance of -20,97% of GDP. This means that Jordan imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing 30,54% annually - now 30,62% of GDP. Import of goods and services represents 51,59% of the GDP in Jordan.

The financing risk in Jordan

We have calculated the financing risk to be 3/4, which equals a medium risk. A medium financing risk score is pretty average for countries in Asia.

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

Banking system efficiency and stabilityLatest value
Interest rates on bank credit to the private sector7,03%
Real interest rate: Bank lending rate minus inflation5,65%
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)11
Credit information sharing index, 0 (low) - 8 (high)8

In Jordan, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). The result of this, is that the access and trustworthiness of the credit information in Jordan is high.

This makes it easy for you to understand the credit risk of your counterpart in Jordan. You should therefore be able 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 11 out of 12 and, therefore, very strong.

The medium financing risk for creditors also impacts the high interest rate in the private sector of 7,03%.

Debt collection in Jordan: Frequently Asked Questions.

How does debt collection work in Jordan?

In Jordan, the debt collection process typically involves finding a third-party collections company to help you recover money from a debtor. The process starts with sending friendly reminders, followed by an evaluation of the situation. If necessary, the process can escalate to legal collections and, eventually, debt enforcement. Debitura offers a free service that connects you with companies that can help you recover your money, and also offers a no-cure-no-pay solution for amicable collections. We can help you with the entire debt collection process in Jordan.

What is the debt collection process in Jordan?

The debt collection process in Jordan typically involves three steps: Pre-legal collection, legal debt collection, and debt enforcement. Pre-legal collection involves sending friendly reminders to the debtor in an effort to secure payment. If unsuccessful, the matter may proceed to legal collections or debt enforcement. Legal collections involve starting a legal process which can take around a year and a half to resolve. Debt enforcement is an option when the debtor acknowledges the debt or there is a court order. Debitura can assist with all three stages of debt collection in Jordan.

What legal options exist for debt collection in Jordan?

If the debt is disputed, a civil lawsuit is required for legal debt collection in Jordan. Debt enforcement and insolvency proceedings are also available options. It's important to note that legal actions require a local lawyer. Debitura can provide three free quotes from local debt collection attorneys who can negotiate a payment or go to court to get a payment order to enforce your claim through the legal system in Jordan. The cost of the lawyer will depend on the size and complexity of the case.

How much does debt collection cost in Jordan?

Debitura offers a no-cure-no-pay model with a success fee of 10-20% for pre-legal collection services in Jordan. The cost for legal actions varies depending on your case and desired actions. Debitura can provide you with 3 quotes from the best debt collection lawyers in Jordan.

How long does debt collection take in Jordan?

The length of time it takes to collect a debt in Jordan depends on the debtor and the case. If the case can be solved in the pre-legal phase, the collection process usually takes between 3-6 months. However, if legal actions are necessary, it can take between 12-18 months. It is important to remember that each case is unique, and the time frame may vary depending on the situation.