Find the best debt collection agency in Abuja

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How it works

Getting started is as easy as 1,2,3...

1. Fill in the form
In two minutes, we will educate ourselves on your needs, business, and desired assistance.
2. Compare quotes
We'll locate Abuja's top 3 collection experts that match your requirements. You're guaranteed the best prices with personalized quotes.
3. Chose the best
Select an appropriate quote from a collection agency or lawyer.

Our local partners

Seeds Attorneys
8, Obalemisoro Road Ajah, Nigeria
Specializing in debt/equity financing and recovery, Seeds Attorneys is a boutique Law Firm in Ajah, Nigeria, ensuring a smooth financial process for clients through expertise and personalized services.
Classic Attorneys
9 Orchid Road, Off Lekki 2nd Tollgate Lekki , Nigeria
Discover Law Firm Lekki - Classic Attorneys, a beacon of corporate, commercial, and real estate legal expertise in Nigeria. Leveraging over 15 years of combined experience to deliver exceptional services globally.
P. D. Pius & Associates
Block 2 Flat 4 Mbaise Close, Garki Abuja Block 2 Flat 4 Mbaise Close, Garki Abuja, Nigeria
P. D. Pius & Associates: Specializing in debt recovery since 2014, our Abuja-based law firm has successfully reclaimed over $4,000,000 for our clients, thanks to our 13-member team's commitment to discipline, ethics, and professionalism.
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
We are thrilled with the assistance Debitura provided us in locating a cost-effective debt collection lawyer in Abuja. The system works excellently, lending much needed clarity to the market!
Iyinoluwa Oladokun - business owner in Abuja
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Using Debitura to connect us with a collection partner has been a great advantage because they are experienced with the local customs and laws in the areas of Nigeria where our clients are located.
Oluwakemi Oyewole - business owner in Abuja
4,85/5
Average rating of our services in Abuja
87%
Average debt recovery rate in Abuja
45%
Average cost saved when using our collection service in Abuja
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Explore debt collection experts in Abuja for any budget

Guide

How to collect an unpaid invoice from a debtor in Abuja?

Do you need assistance in recovering an amount owed to you in Abuja, Nigeria? This guide will provide you with every detail you need to collect debts in the Abuja area. Should you need the services of a debt collection agency or solicitor, please submit our form and receive three free price estimates within two days.

Overview of the debt collection process in Abuja

We personalize the debt collection process in Abuja to your specific needs by ensuring that recovery rates are as high as possible. How we do this involves conducting a thorough analysis of the situation prior to beginning the collection case. We take into account the size of the claim, the type of debtor, and other relevant factors before proceeding.

The image below explains our standard framework for collecting debt in Abuja:

Step 1: Find a local collection agency or attorney

You can just submit your particulars to Debitura and you will get 3 quotations from ABJ-based debt collection companies that are ready to lend a hand.

Step 2: Pre-legal collections

So, to start your collection process in Abuja, we'll send an array of notifications to your debtor, including emails, texts, and letters. If they respond affirmatively, you don't have to pay a penny—the fee is only due when we successfully recover the debt you are owed.

Step 3: Evaluation:

If you have not been given compensation by the debtor after initiating the pre-legal measures, it might be prudent to weigh the options of your claim's magnitude, the potentiality of payment, and the legal framework in Abuja in order to decide what the best course of action would be. There are three normal steps available to those in Nigeria:

Step A: Surveillance:

If your claim does not exceed 5000$, it generally does not make sense to initiate further legal proceedings. Therefore, we advise you to adopt a "debt surveillance" strategy, meaning we will keep contacting your debtor in search of a mutually agreeable agreement. This debt surveillance phase is a pre-legal step. We will inform you of any changes in circumstance that necessitate a change in action.

Step B: Legal collections:

If it is a financially significant claim, we advise beginning the legal course of action following the pre-legal case. Generally, the cut-off amount is 5,000$, however that depends upon the debtor's capacity to pay and other variables. How the procedure progresses and the costs involved can differ depending on the circumstances of your claim. Normally, minor claims can be taken care of through a simpler legal process. Normally, the time frame for the legal collection process can range from 12-18 months and often involves a fixed fee for covering legal costs. To secure quality and budget-friendly legal help, it is recommended to compare prices from multiple debt collection attorneys in Abuja.

Step C: Debt enforcement:

If you have an acknowledgement from the debtor or a court order in place, you can use the services of a bailiff court to enforce your claim. This is normally a 12-18-month process in Abuja, and generally you will have to pay a fixed amount to the court, as well as legal fees to your legal debt collection advisor. The total fee will depend on the size of your claim. To get an accurate estimate, just upload your claim to Debitura.

Cost of debt collection in Abuja

Average success fee for pre-legal debt collection in Abuja

The cost of debt collection in Abuja can vary depending on the size of your claim and the collection phase. Generally, for pre-legal debt collection, your fees are subject to successful recovery of the debt, with the amount determined by the size of your claim. On average, successful amicable collections result in the following fees:

Size of your claimSuccess fee
< 1000$32,5%
1000-5000$19,5%
5.000-10.000$15,6%
>10.000$12,35%

Hourly rate for legal-debt collection services in Abuja

When it comes to legal debt collection in Abuja, cost is determined by two factors: court costs and an hourly fee for professional legal services received. The amount a client pays for legal services depends on the complexity of the claim and the total number of hours devoted to it. The average hourly rate of debt collection attorneys in Abuja can be found in the table above.

hourly rateCategory
< 75$Very low cost
100$Low cost
150$Medium high cost
> 200$High cost

Abuja city risk profile

We have looked at Abuja's critical financial data and extrapolated a risk assessment. You can use this analysis to classify your payment terms and manage your risk when doing business with customers in Abuja.

Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26

Our analysis has shown that the risk of doing business in Abuja is medium-high.
Based on this medium-high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Abuja, as it may be very difficult to get paid.

The medium-high risk score is based on the following factors:

Economic Risk:
4
Business Risk:
6
Political Risk:
5
Commercial Risk:
4
Financing Risk:
3
Economic risk in Abuja

Nigeria is an African country with a large economy, ranking #31 out of 183 countries based on the size of its Gross Domestic Product (GDP). According to latest figures, Nigeria's economy is valued at 440.78 billion USD and is growing at 3.65% per year. The GDP per capita of 2085 USD puts Nigeria at #135 out of 183 countries and indicates that the citizens have low purchasing power. Inflation rate in Nigeria is 17%, and businesses have an interest rate of 11.48%. Although the economic risk in Nigeria is medium-high, its economic growth is considered excellent and it is low on the African continent.


Business risk in Abuja

The city of Abuja in Nigeria has an overall business risk rating of 6 out of 6, according to a recent analysis. Economic freedom and rights have been determined as major influencing factors for the rating, with low scores for key indicators such as property rights index (37 out of 100) and freedom from corruption index (24 out of 100). Further, the business freedom index is at a decent score of 60 out of 100, yet the investment freedom index is only 45 out of 100 and the financial freedom index is 40 out of 100. As a result, Nigeria's overall economic freedom index is 59 out of 100. Businesses, both small and large, should be aware of these risk factors, particularly when operating in Abuja.


Political risk in Abuja

Abuja, the capital of Nigeria, is exposed to significant political risk. The rule of law index located at -0.86 is indicative of difficulties companies may face when attempting to enforce contracts in the city. As is suggested in the Corruption Perceptions Index, with a score of 24 out of 100, a steady level of illicit behaviour is also prevalent. The government effectiveness index of -1, and political stability index of -1.78 further bolster this conclusion. The large shadow economy, amounting to 52.49% of the country’s GDP, warns of ongoing instability, meaning that trading in Abuja involves much more risk than in more developed cities. As such, we recommend avoiding credit and charging upfront payment when trading in Abuja.


Commercial risk in Abuja

Abuja, the capital of Nigeria, faces a high commercial risk according to our model. This score is higher than the average for Africa, and is determined by a country's international trade relationships. Nigeria has a foreign exchange reserve of bn. USD, indicating good relations with trading partners. To protect against commercial risk, companies and investors should conduct careful research before entering into any business deals in Abuja, as the potential risk involved is higher than average.


Financial risk in Abuja

The Financial risk for Abuja, the capital of Nigeria, sits at a medium risk of 3/4. This is not unexpected for countries in Africa. Credit information sharing, on a scale from 0 (low) to 8 (high) is 8, indicating availability and quality of credit information is high. Interest rates and legal rights for creditors and borrowers also impact this risk, with interest rates in the private sector at 11.48% and legal rights for creditors at 9 out of 12 (strong). All of these add up to the medium financial risk present within Abuja.

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