Your Trusted Partner in Recovery Restoring Balance · Delivering Results

Oman's specialist debt recovery firm. Your money is out there — we bring it back.

Tawazon is Oman's specialist debt recovery firm, turning overdue accounts into recovered cash for banks, businesses, and institutions across every sector. No upfront fees. Your data stays secure. Just results, delivered with discretion.

Ministry-licensed in Oman
78% pre-legal resolution rate
Zero cost until we recover
Tawazon vs. the rest
Zero upfront cost
No recovery
No charge
78%
Pre-legal
resolution rate
14 days
Average first
recovery
24/7
Dedicated
support
Scroll
Industries we serve

Recovery expertise across every sector.

From banking to education, we serve every major industry across Oman and worldwide , no sector too complex, no debt too far gone.

Banking & Finance
Loans, credit cards, and overdue accounts across personal and commercial banking.
Real Estate
Rent arrears, service charge defaults, and developer receivables.
Retail & Commerce
Trade credit, unpaid invoices, and overdue consumer accounts.
Telecom & Media
Postpaid arrears, device financing, and subscription defaults.
Government & Public
Utility arrears, licensing fees, and interagency claims.
Healthcare
Hospital bills, insurance claims, and private clinic receivables.
Logistics & Transport
Freight invoices, fleet financing, and supply chain receivables.
Insurance & Fintech
Premium arrears, BNPL defaults, and digital lending recovery.
Education
Tuition arrears, student loan defaults, and unpaid institutional fees.
No Collection, No Fee
Zero risk. You only pay when we recover.
0%
Pre-legal resolution rate
Cases resolved without going to court
0 days
Average first recovery
We act quickly and stay focused from the start
0/7
Dedicated support
Our team is always reachable
0%
Fully documented files
Every file is ready for audit or court from day one
6+
Languages Spoken
English العربية اردو हिंदी മലയാളം বাংলা
The Tawazon Standard

Results without burning the relationship.

Tawazon means balance in Arabic. We recover what's owed without damaging what matters. Your client relationships, your reputation, and your future business.

Our approach in full

Firm but measured

Most collectors chase results at the cost of relationships. We were built to do both — firm enough to recover, professional enough to keep doors open.

Every file, court-ready

We build every case as if it will go to court, even the ones that settle in week one. Evidence chains and contact logs that hold up under any scrutiny.

A name, not a queue

Your file belongs to one professional on our team. You always know who is handling your case and how to reach them directly.

What We Do

Every debt. Every stage. Handled.

Whether it's one overdue invoice or a full bad-debt portfolio, we have a clear, documented approach for every situation.

All services
01

Accounts Receivable Recovery

We step in early, before accounts turn into write-offs. Structured payment plans, careful outreach, and a process that gets results without damaging the relationship.

How it works
02

Direct Debt Collection

We reach debtors across multiple channels, in the right language. Calls, letters, and visits follow a set sequence, with every contact recorded and every commitment followed up.

Collection approach
03

Recovery Through the Courts

When negotiation doesn't work, we take it to court. We coordinate with your legal counsel, and every file is built to stand up in court from the very start, even the ones that settle before a claim is filed.

Legal pathway
04

International Debt Recovery

We recover debts from outside Oman, across the GCC, South Asia, and beyond. We work with trusted partners in over 100 countries and handle all documentation in the right language.

International reach
How It Works

Four steps. Full transparency.
Zero surprises.

No improvisation. No guesswork. Every file follows the same four steps, documented throughout and visible to you whenever you need it.

1

Intake & Assessment

We review the contract, verify the debt, and give you an honest view of what's worth chasing. If it's not viable, we'll tell you.

2

Structured Engagement

We contact debtors by phone, formal letter, and in person, in the right language. Everything is logged, and we keep your brand out of harm's way throughout.

3

Settlement or Escalation

Most cases resolve at this stage, through a payment plan, settlement, or full recovery. When that's not possible, our legal team takes over with everything they need.

4

Reporting & Closeout

You get monthly reports, on-demand updates, and real-time online tracking, plus file level records and full closeout documentation. Your auditors and our regulators see the same numbers.

Why Tawazon

What serious recovery actually looks like.

We're not the cheapest option. We're the one that works, and the one your clients won't hold against you.

The principles behind the firm

Your reputation stays intact.

Aggressive collectors chase one invoice and lose three customers. Every call and visit we make comes back to one question: will this debtor still want to do business with you after we're done?

Built for court before you need it.

Most files settle before court. But we build every file as if it won't: properly documented, with a clear contact log and escalation trail that holds up under any scrutiny.

Local law. Local language.

We work within Omani Commercial Law, CBO regulations, and the Civil Procedure Code, across more than 6 languages. Knowing the law is one thing. Knowing how to talk to people is what gets debts paid.

Secure Client Portal

Your entire case.
One secure login.

Every Tawazon client gets a private, encrypted dashboard. Follow your recovery in real time, see every payment as it lands, and reach your assigned case officer directly — no chasing anyone for updates.

View live case status and recovery milestones
Upload and access case documents securely
Communicate directly with your assigned officer
Receive real-time payment and activity updates
256-bit SSL/TLS Data Protected 24/7 Monitored
Data Security & Privacy

Your data is protected at every step.

From the moment you log in, your case information is encrypted, access-controlled, and handled in strict confidence — so you can focus on recovery, not on who can see your data.

End-to-End Encryption

Every connection to your portal is secured with 256-bit SSL/TLS encryption, protecting your information both in transit and at rest.

Strict Confidentiality

Your case details are treated as strictly confidential and are never sold or shared with third parties without your explicit consent.

Regulatory Compliance

We collect and process personal data lawfully, in line with applicable data-protection regulations and recognised privacy standards.

Controlled Access

Role-based access means only your assigned officer and authorised staff can open your file — no shared inboxes, no open queues.

24/7 Monitoring

Our systems are monitored around the clock, with safeguards in place to detect and block unauthorised access attempts in real time.

You Stay in Control

Request access to, correction of, or deletion of your personal data at any time. It is your information, and the choice is always yours.

Ready to access your secure dashboard? Log in to your encrypted client portal — protected end to end.
The People Behind the Work

Fewer hands. Higher standards.

Every file goes to a named person on our team, not a queue and not a call centre. You always know who is handling your case.

Faris Mohamed Al Balushi
Founder & Partner

Founder and Partner at Tawazon with over 20 years of cross-sector experience across government and private industry, personally driving the firm's strategy and its most demanding client engagements.

View full profile
Abdullah Moosa Al Raisi
Head of Legal & Advisory

Leads legal and advisory at Tawazon, applying deep expertise across debt collection and tax advisory. He holds an LLB from the University of Leicester and completed his LPC and LLM at the University of Law.

View full profile
Firm. Measured. Effective.

Your money. Recovered.
Or it costs you nothing.

Send us an overdue account or portfolio. We'll come back to you within two working days with an honest assessment and a clear plan. No obligation, no upfront cost.

Get Your Free Case Review