If the debtor fails to keep a time extension commitment or acts carelessly when responding to collection agencies' inquiries. Such troublesome debtors do exist. A registered legal demand notice must be given to the debtors by the Debt Collection Agents in UAE in order to collect the debts on behalf of the lender. The debtor has 15 days from the date of receipt to pay the initial debt along with any additional penalty. If the debtor disobeys, a lawsuit will be filed in court. A debt collection lawyer had to be retained to pursue the case because court proceedings in the UAE are only conducted in writing. The court will consider both sides' conduct before reaching a decision.