EFFRS is the Pioneer of Debt Remedial in the UAE, after successfully launching the concept into the UAE in 2010, the rest is history. We leverage on our over 2 Decades of sound UAE Banks and other Creditor Relationships, to achieve the desired success for our Clients. We continue to be extremely fortunate to be recommended by way of referrals from all of our Clients, their Associates , Banks, UAE Aiuthorities and more, resulting in a Continuity of Business, which means we have not only saved many lives, but we have also assisted Clients to successfully return to the UAE, after exiting years prior. We have therefore serviced global, local and GCC Clients from inception and continue to do so.

Over the past 4 (Four) Years we have achieved another Milestone of fully digitizing our entire Business Workflow and Processes, where it was evident that Debtors would rather opt to refrain from meeting with any Creditor or Representative Agency or Company, due to the bad historic Collections & Recoveries 'Stigma' that they have been subjected to for decades, so they would rather opt for Online Communication. Most of the Debtors we have serviced and served, we have never met, so that was the 'Game-Changing' Factor, to go Digitization and it has proven highly effective, more so, in the past year. Debtors do not like to show themselves at Creditors offices, because of the known factors of victimization, shame, humiliation, degradation and inhame behavior they have been subjected to and continue to suffer under, so they find this method is more effective for them and we respect that factor. Human Dignity must be respected, regardless of the Clients situation, because many times, it was not self-inflicted, either a Job Termination, Job Salary Reduction without Notice, Failed Business, No Cash Flow due to bad payment history of their Debtors, as it is a full circle and any weak link in that circle, will result in a negative situation.

Yes, some Debtors are relentless in not wanting to repay their debt, but that is not a common situation that EFFRS has encountered from 2010. When UAE Banks pride themselves with their new Debt Remediation Divisions, practicing more human policies, then they must adhere to those policies and not deviate on a daily basis, with their representatives still victimizing Debtor Clients, and that also applies to many Collections Agencies, but who complains? Debtors are unware that they have rights and therefore have the right to exercise those rights, but the Emotional Fear Factor of that level of Victimization consumes them and so they crumble under these conditions. Damage Control is a hard process for EFFRS when these Debtor Clients approach us, because the Emotional State of mind is destroyed and the dire Mental Health conditions, are evident. Not everyone is strong, so we have served as a buffer for years and succeeded at this.

We are also empaneled by some UAE Banks for a variation of Debt Remedial Services, where we continue to maintain our longstanding Relationships, enabling us to continue supporting new Clients.

CSR * Corporate Social Responsibility - EFFRS practice a stringent CSR Policy, where we select specific Clients for this program, after completing their Debt Remedial Process, we then repay a specific Restruture or Settlement, that they are unable to repay and we continue this practice. We have also been selected as one of the Preferred Remedial Partners for Deem Finance, Dubai, United Arab Emirates. CSR is key, it displayes a large degree of humanity, giving back to the Communities, to ensure they are able to continue their lives in the UAE and rebuild in the future. Nobody knows when they can face a Debt-Crisis, so we deciced to introduce this Policy a few years ago.