What Overseas Debt Recovery does

Overseas Debt Recovery is a UAE-based debt recovery and legal services firm founded in 1994 and operating under the parent brand Hajjat Group (Debt Collection Experts). The firm is headquartered in Abu Dhabi with a secondary office in Dubai's Business Bay district and is structured as a group of three affiliated brands: Overseas Debt Recovery, Trans World Debt Recovery, and Trans Emirates Debt Recovery. Founder Ashraf Jamil Hajjat leads the firm alongside an in-house team of professional lawyers and legal advisors covering arbitration, civil, criminal, commercial, and property law.

The firm's core technology is a proprietary database of more than 300,000 company records used to identify, track, and pursue debtors across jurisdictions, supported by a tailored collection policy framework that evaluates supporting documents, service nature, contracts, and dispute reasons before recovery action. Service offerings include amicable settlement negotiation, local debt collection across all UAE emirates, international debt collection through correspondent legal agents in the Middle East, Southeast Asia, China, and Western Europe, debtor tracking, contract consultation, and risk advisory. The stated outcome metric is that more than 70% of claims are resolved through negotiations, amicable settlements, or judicial stages.

The business model is professional services revenue generated on a contingency basis. Hajjat Group offers free consultations as the primary lead generation tool and operates a self-financing model where recovery costs are deducted from recovered funds, with payment terms potentially deferred based on client agreements. The customer base spans UAE businesses, individuals with personal debts, and government entities, served through direct enterprise field sales via in-house and international legal agents. The firm is privately held with no external investment and reports no funding rounds, patents, or formal certifications.

Name

Overseas Debt Recovery

Legal name

Hajjat Group (Debt Collection Experts)

Website

https://overseasdr.ae

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Overseas Debt Recovery is a UAE-based legal services firm under Hajjat Group that recovers local and international debts for businesses, individuals, and government entities using a 300,000-record debtor database and a network of legal agents across the Middle East, Southeast Asia, China, and Western Europe.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Offices of Lawyers (541110)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Legal Services (8111)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)

Keywords

• Debt collection services
• Commercial debt recovery
• International debt collection
• Legal debt recovery
• Business debt recovery

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Debt Collection Services: Professional services revenue generated through debt recovery for businesses and individuals. The company operates on a self-financing model where recovery costs are covered from recovered funds, with soft payments potentially deferred based on client agreements.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Hajjat Group, represented by Overseas Debt Recovery, provides professional debt collection and legal recovery services for businesses and individuals in the UAE and internationally. Services span amicable negotiation, judicial proceedings in arbitration, civil, criminal, commercial, and property law, and international debtor tracking with enforcement of foreign judgments. A proprietary database of 300,000+ company records and a tailored collection policy framework are used to identify debtors and design customized recovery plans under a self-financing model.

Product overview

Hajjat Group operates as a unified debt collection service provider comprising three affiliated sub-brands: Overseas Debt Recovery, Trans World Debt Recovery, and Trans Emirates Debt Recovery. The group offers a comprehensive suite of legal services structured around a tailored collection policy that considers supporting documents, service nature, contracts, and dispute reasons. Core services include Arbitration Case Suits, Civil Law Case Suits, Criminal Law Case Suits, Commercial Law Case Suits, Property Law Case Suits, and Amicable Settlements. Supporting services include Track and Chase Debtor, Local Debt Collection, International Debt Collection, Contract Consultation, and Risk Solution. The group follows a four-stage procedure: amicable solutions, filing lawsuits before competent courts, implementing decisions and rulings, and international claims tracking.

Differentiator

Problem solved

Functional benefit

Products and services

• Local Debt Collection Debt collection services operating across all emirates of the UAE through legal agents and professional teams, targeting businesses and individuals with local outstanding receivables.
• International Debt Collection International debt recovery services covering the Middle East, Southeast Asia, China, and Western Europe through partnered legal representatives.
• Track and Chase Debtor International debtor tracking and chasing services using global legal agents to pursue debtors across jurisdictions and facilitate enforcement of foreign judgments.
• Arbitration Case Suits Expert guidance and representation in arbitration proceedings providing swift and fair alternative dispute resolution with confidentiality for clients.
• Civil Law Case Suits Comprehensive legal support in civil litigation matters with personalized attention, strategic planning, and courtroom representation to achieve favorable outcomes.
• Criminal Law Case Suits Vigorous defense and strategic advocacy in criminal proceedings, safeguarding client rights and reputation throughout the legal process.
• Commercial Law Case Suits Tailored legal strategies and representation in commercial litigation, addressing disputes such as breach of contract and business torts with precision and efficiency.
• Property Law Case Suits Dedicated legal counsel in property-related litigation, resolving disputes over ownership, contracts, and rights including real estate transactions, boundary disputes, and landlord-tenant issues.
• Amicable Settlements Skilled negotiation and mediation services aimed at reaching mutually beneficial agreements while avoiding lengthy litigation and preserving business relationships.
• Contract Consultation Legal consultation services for contracts including the addition of credit-related conditions and safeguards to protect commercial transactions.
• Risk Solution Risk management services that protect clients from business dealings and debt exhaustion through financial analysis and risk assessment.

Quantifiable outcome

• 70%+ of claims resolved through amicable settlements and negotiations
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Trans World Debt RecoverycoreOthersAffiliated company within the Hajjat Group network, collaborating to deliver comprehensive debt collection services across different regions and specializations.

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• PRA Group: US-listed specialist in purchasing and collecting defaulted receivables. Overlaps with Hajjat Group's late-stage/hard collection work but uses a debt-buying model rather than contingency fee recovery.
• Lowell Group: Major UK and European consumer and SME debt collection firm. Comparable in consumer and commercial collections plus legal escalation, though operating in regulated European markets with publicly reported scale.
• Intrum: One of the largest European debt collection and credit management services providers. Comparable services (late-stage collections, legal recovery) but operates at much larger scale and with a more developed tech stack.

Regional players

• Al Tamimi & Company: Leading Middle East-based law firm with a dispute resolution practice that includes debt recovery matters. Direct overlap in legal-led debt recovery in the UAE, but as a full-service law firm rather than a dedicated collection agency.
• Hadef & Partners: UAE-headquartered full-service law firm handling commercial litigation and debt recovery. Comparable in providing legal-driven debt collection in the UAE, though not specialized exclusively in collections.
• Baycorp: Australia and New Zealand-focused debt collection and credit management firm. Comparable end-to-end collections and legal recovery model, but regionally focused on Australasia rather than MENA.

Direct peers

• Allianz Trade (Euler Hermes Collections): World-leading trade credit insurer and international debt collection operator. Comparable to Hajjat Group's cross-border commercial debt recovery and use of local legal agents worldwide, but at vastly greater scale.
• Coface: Global credit insurer operating a debt collection business across 100+ markets. Comparable in international B2B receivables recovery and amicable-to-judicial staged process, though with significantly more technology and data infrastructure.
• Atradius Collections: Global debt collection arm of Atradius providing commercial B2B receivables management across 40+ countries. Directly comparable to Hajjat Group's international commercial collection focus, but with broader geographic footprint and institutional ownership.

Emerging players

• DM Recovery (Dubai-based collectors): UAE-based boutique debt collection agency serving individuals and businesses. Closest head-to-head competitor in the UAE market on local commercial and consumer collection cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/overseasdr
• Facebookfacebook.com/overseasdr
• LinkedInlinkedin.com/company/overseas-debt-recovery
• Instagraminstagram.com/overseasdebtrecovery.odr1

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Overseas Debt Recovery