Dealing with overdue debts is difficult enough without the added stress of constant phone calls or threats from debt collectors. If you're being contacted by Bilkish or any debt agency in Dubai, and feel overwhelmed by the pressure, you're not alone.

Debt collection is a regulated practice in the UAE, but unfortunately, some agencies cross the line into what can be considered harassment. In this article, we’ll guide you through your rights, how to stop Bilkish harassment, and the proper steps you can take to handle the situation legally and effectively.

How Debt Collection Works in Dubai

Debt collection firms in Dubai, like Bilkish, are often hired by banks or financial institutions to recover unpaid loans, credit card bills, or bounced cheque amounts. While these agencies are allowed to contact borrowers, there are boundaries they must respect.

If a debt collector repeatedly contacts you at odd hours, uses threatening language, or reaches out to your workplace or family, it may fall under debt harassment, which is not tolerated under UAE law.

What Qualifies as Harassment?

Debt harassment includes:

• Calling multiple times a day

• Threatening legal or police action without cause

• Using insulting or abusive language

• Sharing your financial information with third parties

• Calling outside of acceptable hours

Such behavior can be reported and legally challenged, especially if it comes from well-known firms like Bilkish.

Steps to Stop Bilkish Harassment

1. Understand Your Legal Rights

The UAE protects residents from undue harassment. Debt collectors must maintain professional conduct. They are not permitted to threaten you, insult you, or contact others about your debt without your permission.

2. Ask for Written Communication

Instead of engaging over the phone, request that all correspondence from Bilkish be in writing or email. This provides a clear paper trail and helps you avoid confrontational conversations.

3. Confirm the Debt Details

Always ask for proof of the debt being claimed. You are entitled to request:

• A breakdown of the debt

• The original agreement

• Any related interest or charges

This helps ensure you're not being overcharged or harassed over errors.

4. Contact Your Bank Directly

If possible, bypass the collection agency and speak with the original creditor (such as your bank). Many financial institutions in Dubai are open to restructuring your loan or offering a more flexible repayment plan.

5. Report Harassment to the Authorities

If the calls or threats don’t stop, you can file a complaint through:

• Dubai Consumer Protection (Dubai Economy)

• E-crime services via Dubai Police

• The Central Bank of the UAE, in cases involving financial institutions

Make sure to include screenshots, call logs, and any abusive messages as proof.

6. Seek Professional Legal Help

There are lawyers in Dubai who specialize in debt issues. Even if you feel overwhelmed, speaking with a legal expert can help you:

• Stop the harassment legally

• Understand your options

• Negotiate a fair debt settlement

Some lawyers or community organizations offer free consultations, especially to low-income residents or expats.

The Role of a Debt Collection Agency in Dubai

Agencies like Bilkish act as middlemen between creditors and borrowers. Their role is to collect outstanding payments and negotiate repayment. However, they do not have legal power to:

• Arrest you

• Confiscate your assets

• Threaten you into paying

Legal procedures for debt enforcement require court orders and due process.

Smart Tips to Handle Debt Collection in the UAE

• Stay calm and polite, even when frustrated

• Keep a record of all interactions (texts, emails, calls)

• Never ignore legal notices, but verify their validity

• Don’t make false promises—only agree to what you can realistically pay

• Avoid paying in cash or without documentation

Debts, especially civil ones like loans and credit cards, are no longer criminal offenses in the UAE in most cases. However, legal advice is critical, especially if cheques or fraud are involved.

Conclusion

If you're dealing with aggressive tactics from Bilkish or any debt agency in Dubai, it’s important to remember that you’re not powerless. The UAE has systems in place to protect you from debt harassment. You can stop Bilkish harassment by knowing your rights, staying informed, and using the appropriate legal channels.

Taking early action can prevent the situation from escalating and help you find a manageable way forward. Always prioritize communication, documentation, and legal support when dealing with debt collectors in Dubai.