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

The simplest method to collect your outstanding debt in Pakistan.

Debitura specializes in debt recovery services in Pakistan, offering a comprehensive range of solutions from accounts receivables management to pre-legal and legal debt collection, as well as enforcement court proceedings. Our team of experienced professionals is well-versed in Pakistan's debt collection laws and regulations, providing efficient and effective solutions to help businesses recover outstanding debts.

We provide uninterrupted assistance throughout the entire process.

Tailored debt recovery plan.

We have a team of over 500 professionals specializing in international debt collection.

We have a success rate of 87%, and we offer it at the lowest cost.

INTRODUCING OUR PARTNERS: Leading Debt Collection Lawyers in Pakistan
Office no 102, Elegant Tower, Clifton block 5, Karachi
GNS Law Associates

we are proud to be one of the best law firms in Karachi, Pakistan. Our team of experienced lawyers is dedicated to providing top-notch legal services to our clients, with a focus on achieving the best possible outcomes.

Lawsuits
Legal collection
Debt enforcement
4
2013
Law firm
1st Floor, The Statelife Building, 23-The Mall, Lahore.
ASC & Co.

ASC & Co. is reckoned as one of the fast-growing law firms in Pakistan, highly reputed for its profound advisories and litigation services in corporate and commercial sectors. The lawyers here, are committed to efficiency and quality of work while providing legal services in different walks of advocacy. The firm provides specialized services in Intellectual Property, Civil, Commercial, Employment, Banking laws and successfully combine consultancy with litigation for its valuable clients.

Lawsuits
Legal collection
Debt enforcement
10
2013
Law firm
20-L, Afzal Center, G-10/1, Islamabad
Humanity Law Associates

We are advocates of justice, equality, and opportunity. Legal challenges come from all directions with increasingly complex legislation, regulation or disputes. We embrace our responsibility to give back to our communities through pro bono and community service work and we are committed to a diverse workforce that is inclusive and welcoming.

Lawsuits
Legal collection
Debt enforcement
21
2019
Law firm

The ultimate guide on debt collection in Pakistan

If you have a financial claim against a business or individual in Pakistan, then you've come to the right place.

We have helped hundreds of other businesses recover debt in Pakistan and we can help you too. This guide will explain the Pakistani debt collection process from start to finish so that you can collect the debt yourself if you prefer.

If you would rather work with a local law firm specializing in debt recovery, we can assist you with finding one.

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.

Debitura offers an easy way to collect your debt from anywhere in the world, and we're now available in Pakistan. All you need to do is upload your claim, and within 24 hours, our team will provide you with 3 free quotes from local collection lawyers. So get started today!

We work with the following process: 
1

Upload claim

Begin collecting your debt in Pakistan now at no cost. Simply make a free profile and submit your case in under 2 minutes.

2

Pre-legal

During the initial 3 months, we will attempt to recover your claim through our successful pre-legal recovery process. There are no fees unless we successfully collect your debt.

3

Legal

If your claim is not paid during the pre-legal phase, we offer 3 quotes from our nearby debt collection attorneys.

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 Pakistan

If you're struggling to receive payment from debtors in Pakistan, we can help make the process much smoother. In Pakistan, the individual who owes money is referred to as the "debtor", while the person or party who issued the original invoice is known as the "creditor". If the creditor collects dues himself, this action is called "first-party collection". However, if he outsources this task to an external agency or individual, it's called "third-party collections".

The debt collection process in Pakistan

In Pakistan, when trying to collect a debt, there are usually multiple steps involved. The picture provided shows the typical steps we take to collect debt in Pakistan.

The debt collection process in Pakistan here:

Upload your claim:

If you don't want to try and collect your debt by yourself, you'll need to find someone to help you. One way to do this is by finding a company that specializes in collecting debt and giving them your information. Debitura can help with this - we will give you three options for companies in Pakistan that can help with your specific case, and it won't cost you anything.

2 Amicable collection:

When trying to collect a debt, the process usually starts by sending friendly reminders to the person who owes the money. These reminders can be sent through email, text message, mail, and other ways of communication that are available in that specific country. The purpose of these reminders is to get the person to either pay back the debt or at least acknowledge that they owe it and make a plan to pay it back. Debitura offers a service where you don't have to pay anything if they are not able to collect the debt for you. Instead, you only pay a small fee if we are successful in collecting the debt. This means that using Debitura's service to collect your debt is completely risk-free.

3 Evaluation:

If after sending friendly reminders the person who owe you money still doesn't pay, it's time to think about what to do next. Debitura will help you decide what steps to take by considering the amount of money owed, the likelihood of getting paid, and other important factors. There are typically three options to choose from.

A Surveillance:

If the person owe you less than a certain amount of money, like 2000$-5000$, it usually is not worth it to take more serious legal actions. In this situation, Debitura suggest "debt surveillance" instead, which means we will keep trying to contact the person who owes you money and try to come to an agreement on how to pay the debt.

B: Legal collections:

If you have a bigger claim, it's a good idea to start a legal process. The steps you need to take will be different depending on the type and size of your claim. Usually, it will take about a year and a half to finish the process.

C: Debt enforcement:

A "debt" refers to the money someone owes you. In order to collect that debt, sometimes you need to go through a legal process. One of the steps in this process is to use a court order, which is a document that says the person who owe the money, must pay it. If the debtor admitted they owe the money or you have the court order, you can use a special court called the bailiff's court to force the person to pay their debt.

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Thanks to Debitura, our debt collection issues in Pakistan have been expertly handled. Their affordable prices and transparent market model made the process stress-free. Highly recommend their services!"
Sania Abbas - Office Manager at ABC Corporation
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura's debt recovery services in Pakistan have been a game-changer for our business. They found the perfect debt collection agency for us, and the transparent pricing model gave us peace of mind. Highly recommend!"
Saima Javed - Accountant
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 Pakistan

Our process for Amicable collections at Debitura is 100% risk-free and very efficient. Simply submit your claim, and we will begin within 24 hours.

Our team will contact your debtor through every method possible in Pakistan, which often includes

e-mailing, texting, letter writing, calls, and social media. The goal of this is to:


A) get the debtor to pay off the entire amount owed or

B) Have the debtor confirm the debt and begin a payment plan.

If the debtor denies your claim, you cannot resolve the issue informally and must escalate to legal collections immediately.

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 Pakistan

If you get written confirmation of your claim from the debtor or a court order, you can ask Pakistan bailiffs to enforce your claim there.

The process and cost vary depending on your case. You can upload details about your case onto Debitura to get 3 personalised quotes 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!

Pakistan country risk profile

We have evaluated Pakistan'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 Pakistan.

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

The analysis is concluding that the risk of conducting business in Pakistan is high. Based on this high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Pakistan, as it may be very difficult to get paid. The high risk score is based on the following factors:

Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Business Risk:
5
Business Risk:
5
Business Risk:
5
Business Risk:
5
Business Risk:
5
Business Risk:
5
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4

The economic risk in Pakistan

Our conclusion based on the economic risk factors, is that the economic risk in Pakistan is very high (6 out of 6). An economic risk of 6 out of 6 is high in Asia.

GDP and economic growth are critical drivers for economic risk.
The GDP of Pakistan is 346.34 bn. USD (2021), growing by 6.03% per year.

In terms of the size of its economy, Pakistan ranks #41 out of 183 countries and has a large economy.

In terms of growth rate, it is ranked #60 out of 183 countries and is therefore considered a fast-growing economy.

GDP per capita is 1538 USD, ranking Pakistan number #144 out of 183 countries. The result of this is purchasing power of citizens in Pakistan is low compared to the rest of the world.

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

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP6.03%
Gross Domestic Product, billions of U.S. dollars346.34
GDP per capita, current U.S. dollars1537.94
GDP per capita, Purchasing Power Parity5350.15

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

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index9.5%
Business credit interest rate, percent8.67%

The inflation in Pakistan was 9.5% in 2021 which is considered a high inflation rate.

Businesses has an interest rate which is 8.67%.

The business environment risk in Pakistan

Our analysis shows that the business environment risk in Pakistan is high (5 out of 6), which is a high risk score in Asia.

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

Economic freedom indexLatest value
Property rights index (0-100)45
Freedom from corruption index (0-100)31
Fiscal freedom index (0-100)74
Business freedom index (0-100)61
Monetary freedom index (0-100)69.7
Trade freedom index (0-100)65
Investment freedom index (0-100)60
Financial freedom index (0-100)40
Economic freedom, overall index (0-100)52

As you can see in the table, the property rights index is 45 in Pakistan, which is considered low in Asia.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 61 in Pakistan, a quite low score for a country in Asia.

Pakistan's overall economic freedom index is 52 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Pakistan

The political risk in Pakistan is very high, with a score of 6/6. This is a high political risk score in Asia.

The governance and political stability indicators are important drivers for political risk. An overview of Pakistan can be seen in the data below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)-0.64
Government effectiveness index (-2.5 weak; 2.5 strong)-0.4
Control of corruption (-2.5 weak; 2.5 strong)-0.79
Political stability index (-2.5 weak; 2.5 strong)-1.67
Corruption Perceptions Index, 100 = no corruption28
Shadow economy, percent of GDP31.62%

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 trading with businesses in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.

In Pakistan, the rule of law index is at -0.64 points, with the score going from -2.5 (weak) to 2.5 (strong). Pakistan has, therefore, a very low rule of law index, which means it is often close to impossible to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.

Other drivers for the very high political risks are the very weak control of corruption, the very weak political stability index, and the large shadow economy that is 31.62% of Pakistan's GDP.

The commercial risk in Pakistan

In Pakistan, 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 impacted by a country's international trade relationships. You can see some of the key facts for Pakistan in the table below:

International trade and investment Latest value
Exports of goods and services as percent of GDP9.98%
Exports of goods and services, annual growth4.82%
Imports of goods and services as percent of GDP19.93%
Trade balance as percent of GDP-9.95
Trade balance, billion USD-40.83
Foreign exchange reserves, billion currency units22.81

Pakistan has a foreign exchange reserve of 22.81 bn. USD.

Pakistan has a negative trade balance of -9.95% of GDP. This means that Pakistan imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing 4.82% annually - now 9.98% of GDP. Import of goods and services represents 19.93% of the GDP in Pakistan.

The financing risk in Pakistan

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

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

Banking system efficiency and stabilityLatest value
Interest rates on bank credit to the private sector8.67%
Real interest rate: Bank lending rate minus inflation-1.32%
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)2
Credit information sharing index, 0 (low) - 8 (high)7

In Pakistan, the credit information sharing index is 7 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Pakistan is medium-high.

This makes it easy for you to understand the credit risk of your counterpart in Pakistan. 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 2 out of 12 and, therefore, very weak.

The high financing risk for creditors also impacts the high interest rate in the private sector of 8.67%.

Debt Collection in Pakistan: Frequently Asked Questions (FAQ)

How does debt collection work in Pakistan?

In Pakistan, if you're having trouble collecting payment from debtors, you can outsource this task to a third-party collection agency. The process typically starts with sending amicable reminders to the debtor to acknowledge and pay off the debt. If reminders fail, Debtura can help you decide on the next steps, which can include debt surveillance (for smaller claims) or legal collections and debt enforcement (for bigger claims). Debtura offers risk-free services - you only pay a small fee if they successfully collect the debt for you.

What is the debt collection process in Pakistan?

The debt collection process in Pakistan usually involves three steps: pre-legal collection, legal debt collection, and debt enforcement. This process begins with sending friendly reminders to the debtor and trying to work out a payment plan. If unsuccessful, you can pursue legal options for debts over a certain amount. Debitura offers risk-free debt collection services in Pakistan, helping you decide the best course of action based on the amount owed and likelihood of payment. These actions may include debt surveillance, legal collections or debt enforcement.

What legal options exist for debt collection in Pakistan?

In Pakistan, if a debt is disputed, a civil lawsuit is required. Debt enforcement and insolvency proceedings are other legal options available. Legal action requires a local lawyer. Our local debt collection attorneys have extensive knowledge in Pakistani law and can negotiate a payment plan outside of court before taking legal measures. Debitura can help save on legal fees by providing multiple quotes from different attorneys.

How much does debt collection cost in Pakistan?

The cost of debt collection in Pakistan depends on the specific case and desired actions. Debitura offers a no-cure-no-pay model for pre-legal collection with a success fee between 10-20%. For legal actions, the price varies. Debitura can provide you with 3 quotes from the best debt collection lawyers in Pakistan.

How long does debt collection take in Pakistan?

The duration of debt collection in Pakistan varies depending on the case and debtor. If the case can be resolved in the pre-legal stage, it usually takes 3-6 months. However, if legal proceedings are required for the collection, the process usually takes 12-18 months.