If you are seeking to recover a debt from a debtor in Nigeria, the following steps can be taken:

  1. Demand Payment: Send a written demand for payment, including a detailed explanation of the debt and the amount owed. This can be done through a letter, email, or text message.
  2. Negotiate: Try to reach a payment agreement with the debtor, either through direct negotiations or through a mediator.
  3. Take Legal Action: If negotiations are unsuccessful, consider taking legal action by filing a complaint in a court of law. A lawyer can help you with this process and represent you in court.
  4. Obtain a Court Order: If the court finds in your favor, a court order may be issued to the debtor, requiring them to pay the debt owed.
  5. Enforce the Court Order: If the debtor does not comply with the court order, you can take steps to enforce the court order, such as garnishing their wages or attaching their property.


It is important to keep accurate records of all correspondence and documentation related to the debt, as this will be useful in the event of legal action. It is also advisable to seek legal advice from a debt recovery lawyer to ensure that you are following the proper procedures and that your rights are protected.

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