Debt Recovery
Urgent, structured debt recovery for creditors — because delay consistently benefits the debtor.
Delay in pursuing a debt consistently benefits the debtor. Assets may be dissipated. Limitation periods run. Contact us now to assess what is still recoverable in your matter.
Outstanding debts do not recover themselves. The majority of creditors who eventually lose recoverable debts do so not because the law failed them, but because they waited too long, moved too slowly, or engaged representation that lacked the urgency the situation required.
This firm pursues commercial and personal debt recovery through every available legal channel — statutory demand, writ of summons, consent judgment, garnishee order, attachment of assets — and we move with urgency because delay consistently benefits the debtor. Assets may be dissipated. The debtor may become insolvent. Limitation periods run. Every week of inaction narrows the window of full recovery.
The firm's debt recovery track record includes matters where clients had written off the debt as unrecoverable before we were briefed. If the limitation period has not expired and assets exist against which to enforce, there is usually a viable legal path. The assessment of your specific situation is the first step.
High-value debt recovery matters — particularly those involving judgment enforcement against defendants who are resisting — benefit from SAN-led representation. A Senior Advocate on the brief changes the perception of the matter for both opposing parties and the court. It signals that the creditor is serious, properly resourced, and will pursue every available avenue.
Services Within This Practice Area
Commercial Debt Recovery
B2B unpaid invoices, breach of contract claims, outstanding fees, and judgment recovery from commercial debtors.
Personal & Individual Debt
Loans, personal guarantees, dishonoured cheques, and recovery from individual debtors through statutory demand and court proceedings.
Judgment Enforcement
Writs of execution, garnishee orders nisi and absolute, attachment of assets, and receiver/manager appointments for reluctant judgment debtors.
Pre-Action Advisory
Formal demand letters, statutory notices, and pre-action strategy to maximise the chance of voluntary payment before court proceedings.
Bank & Financial Debt
Recovery of non-performing loans, mortgage enforcement, and recovery under credit facilities for banks and financial institutions.
Post-Judgment Tracing
Asset tracing and investigation to identify assets available for enforcement where debtors have attempted to conceal or dissipate assets.
Selected Outcomes
All matters anonymised in accordance with professional confidentiality obligations.
State High Court
Commercial debt recovery — multiple invoices
₦14 million in outstanding receivables recovered in full within six months. Client had considered writing it off.
Federal High Court
Judgment enforcement — resisting debtor
Garnishee order absolute obtained. Full judgment sum recovered from third-party bank account.
State High Court
Non-performing loan recovery
Consent judgment obtained in 8 weeks. Structured repayment plan enforced with security over assets.
Related Practice Areas