Debt Recovery Lawyer in Abuja

We typically start with a formal demand letter, which often prompts payment without the need for court proceedings. If the debtor does not respond, we advise on the most appropriate legal action.

We can assist with asset tracing to identify assets available for enforcement. In some cases, insolvency proceedings may be appropriate.

Uncontested debt recovery through the courts can take 3 to 6 months. Contested matters take longer. We always explore negotiated settlement as a faster alternative.

A letter of demand should name both parties, state how much is owed and why, refer to the agreement, invoices or messages that prove it, give a clear deadline for payment and say what will happen if payment is not made. A letter signed by a lawyer is drafted with a possible court case in mind.

Often, yes. Many debts are paid after a letter of demand, or settled through negotiation or mediation, sometimes by instalments. A written settlement agreement protects you if the debtor later stops paying.

You can complain to the Federal Competition and Consumer Protection Commission (FCCPC) through the complaint channels on its official website. Give the name of the app and the lender, your loan details, and screenshots of the messages and call logs. Our loan app harassment page explains the steps, and we can file the complaint for you.