Top-Rated Debt Collection Agency in Ethiopia
Fast and reliable debt collection in Ethiopia - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.

Recovering your debt in Ethiopia is made easy with this simple approach.
Debitura is an expert in debt recovery services in Ethiopia. Our skilled team offers a complete range of solutions, such as accounts receivables management, pre-legal and legal debt collection, debt collection notices, and enforcement court proceedings. With our extensive knowledge of Ethiopia's debt collection laws and regulations, we deliver reliable and effective strategies to assist businesses in retrieving outstanding debts.

Receive unwavering assistance throughout the entire process with our committed support.

Tailored debt recovery approach.

We have a team of over 500 experts who specialize in international debt collection.

Our debt collection service boasts a success rate of 87% at the most affordable cost.
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DABLO Law Firm LLP is one of the few law firms in Ethiopia. Our law firm provides a full range of legal services, primarily on issues governed by Ethiopian and international law. We look beyond the books to craft sophisticated solutions to our client’s legal and business problems.
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A corporate law office, based in Ethiopia. The law office is established with the aim of serving client’s needs
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The law office of Michael Teshome assist clients in debt recovery, contract, investment, dispute resolution, tax and labor issues.
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Yared Siyum and associates law office (YSA) is a corporate law office, based in Ethiopia. The law office is established with the aim of serving clients’ needs.
The ultimate guide about debt collection in Ethiopia
Are you looking to recoup a financial claim from an Ethiopian enterprise or customer? Look no further! We have been helping hundreds of other businesses in Ethiopia reclaim debt for years. Let us help you too – contact us now!
Collecting a debt in Ethiopia can appear to be an insurmountable task due to its language and cultural barriers, unfamiliar laws and customs, as well as the sheer geographical distance.
When attempting to reclaim a debt, enlisting the aid of an agency knowledgeable in the laws and practices of your debtor's home country can make debt recovery much easier.
Here at Debitura, customer satisfaction is paramount. We work hard to ensure your financial reimbursement while also protecting the positive relationship you have with your clients. Our PR tactics are both reasonable and firm – we guarantee that safeguarding your reputation will always be priority number one!
If you're striving to collect a debt yourself and gain insight into the Ethiopian debt collection process from start to finish, keep reading this guide. However, if you'd rather work with an experienced Ethiopia-based law firm that specializes in debt recovery, we are here to assist!
At Debitura, we make debt collection an effortless undertaking in Ethiopia and more than 200 other countries! All you have to do is upload your claim today - within 24 hours our experts will evaluate your case and provide three no-cost quotations from Ethiopian debt collectors. Start now with Debitura for the easiest way to secure your payments! By utilizing a people-centric approach as well as the newest tech-driven solutions, we ensure superior outcomes and enhanced customer management. This balanced technique produces the outcome you require while still sustaining sturdy connections with your customers. Furthermore, our collection of debt collectors, attorneys, suppliers and vendors are invaluable partners that enable us to achieve success. We highly esteem these relationships regardless of size or scope.
Upload claim
Begin recovering your debt in Ethiopia without any charges today. Make a complimentary account, and submit your case within 2 minutes.
Pre-legal
During the first 3 months, we will use our successful pre-legal recovery process to collect your debt. Our fee is based on a no-cure-no-pay policy, so you only pay if we successfully recover your debt.
Legal
If your debt remains unpaid during the pre-legal phase, we offer you three quotes from our nearby debt collection attorneys.
24/7 updates
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Ethiopia
Struggling to secure debt payments in Ethiopia? We've got you covered! Our easy-to-use platform makes it simple for Ethiopian customers to pay you promptly. Don't let unpaid debts stand between your success - try us and get paid faster than ever before!
When handling debt in Ethiopia, the individual or entity owing money is known as "the debtor", while the person/organization granting the loan or invoice is referred to as "the creditor".
When the first lender attempts to recuperate the debt on their own, it is referred to as “first-party collection”.
When a creditor entrusts the collection process to an outside entity, this is termed "third-party collections".
The debt collection process in Ethiopia
The debt collection process in Ethiopia usually has several steps. The picture below explains the standard way to collect debt in Ethiopia:

1 Upload your claim:
If you want help to get your money back, you can find a debt collection partner. This is a person or company who will try to get the money for you. They will charge you a fee, but it might be worth it if they are successful. You can upload your claim onto their website. If you use Debitura, we will give you 3 quotes from local partners in the African country where your case is happening. This service is free - you do not have to pay us anything.
2 Amicable collection:
The collection process usually starts with sending friendly reminders to the person who owes you money. This is called a "campaign." The reminders go through email, SMS, letter, and other ways to communicate in the specific country. The goal is to get the debtor to pay or admit that they owe the debt, and then start a plan to pay it back. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!
3 Evaluation:
If the person you lent money to has not paid you back after you talked to them, it is time to decide what to do next. We will look at how much money you are owed, the chance of getting paid back, and other things to help you decide what to do. There are three typical next steps:
A Surveillance:
If your claim is below 2,000-5,000€, it is not worth it to take any more legal action. In this case, we recommend "debt surveillance." This means that we will keep trying to contact your debtor and try to reach an agreement.
B: Legal collections:
If you have a big issue to solve and it involves legal matters, it's a good idea to start a legal process. The way this process works will vary depending on the specific details of your situation. Generally speaking, it usually takes around a year and a half for everything to be sorted out.
C: Debt enforcement:
If the person you are claiming money from has said that they owe you money, or if there is a court order, you can get help from the bailiff's court to get your money.
At Debitura, we can help you with all three steps in Ethiopia.
Amicable collection in Ethiopia
At Debitura, we provide an easy and risk-free amicable collection procedure. With just one submission of your claim, our team will get to work within a day! No need for lengthy applications or delays; you can be sure that the process is completely efficient with us.
To maximize our effectiveness and expedite the debt collection process, we will contact your debtor through multiple channels in Ethiopia; this includes email, text message, letter correspondence, telephone calls and social media platforms.
Through this process, we seek to:
A) receive the entire sum from the debtor or
B) have them accept and understand their debt with an arrangement for payments.
If your debtor has denied your claim, you won't be able to begin with a friendly resolution—instead, legal collections must become the first step.

Get started with
amicable debt collection
Upload your claim and get started with our 100% no-cure-no-pay collection solution.
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Legal collection in Ethiopia
Should your claim still remain unpaid after the amicable phase, or if the debtor disputes it in any way, we shall be offering you 3 complimentary quotes from our team of local debt collection attorneys. In the legal stage, one of these lawyers will contact your debtor and attempt to negotiate a payment with them. Moreover, they can initiate proceedings through court should this fail; allowing for an enforceable payment order via enforcement procedures within Ethiopia's judicial system.
To find the best rate and get your money's worth, we strongly advise you to gather several quotes from different lawyers. With Debitura, this process is quick and simple - all you need to do is a few clicks! The fees charged by legal professionals are dependent upon the nature of your claim as well as its size.

Get started with
legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
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Debt enforcement in Ethiopia
If you have proof of your claim, such as a written recognition from the debtor or court order, enforcing it in Ethiopia is easy with the help of bailiff's court. This can be done swiftly and painlessly to ensure that you receive what is rightfully yours.
Want to accurately assess the cost of your case? Submit it to Debitura and receive three individualized quotes within 24 hours! Our streamlined process takes into consideration every single detail of your claim, ensuring that you get a precise estimation.

Get started with
debt enforcement
Upload your claim and get 3 FREE quotes from our local collection partners.
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Our analysis concludes that the risk of running a business in Ethiopia is medium-high. Based on this medium-high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Ethiopia, as it may be very difficult to get paid. The medium-high risk score is based on the following factors:
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The economic risk in Ethiopia
Economic risk in Ethiopia is very high (6 out of 6). An economic risk of 6 out of 6 is relatively high in Africa.
GDP and economic growth are critical drivers for economic risk.
The GDP of Ethiopia is 111.27 bn. USD (2021), growing by 5.64% per year.
In terms of the size of its economy, Ethiopia ranks #59 out of 183 countries and has a medium-sized economy.
Looking at the growth rate, it is ranked #68 out of 183 countries and is therefore considered a fast-growing economy.
GDP per capita is 944 USD, ranking Ethiopia number #155 out of 183 countries. This means the purchasing power of citizens in Ethiopia is low compared to the rest of the world.
You can see a more detailed picture of GDP and economic growth in Ethiopia in the table below:
Another critical driver for the economic risk score is the inflation rate and the interest rates. You can see a more detailed overview of monetary data points in Ethiopia in the table below:
The inflation in Ethiopia was 26.8% in 2021 which is considered a very high inflation rate.
The business environment risk in Ethiopia
Our analysis shows that the business environment risk in Ethiopia is high (5 out of 6), which is a pretty average risk score in Africa.
Economic freedom and rights determine the business environment risk in a country. The critical facts for Ethiopia in the table below:
As you can see above, the property rights index is 23 in Ethiopia, which is considered low in Africa.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 48 in Ethiopia, a quite low score for a country in Africa.
Ethiopia's overall economic freedom index is 52 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Ethiopia
The political risk in Ethiopia is high, with a score of 5/6. This is a pretty average political risk score in Africa.
The governance and political stability indicators are critical drivers for political risk. An overview of Ethiopia can be seen in the table below:
The rule of law index analyses to which extent agents have confidence in and abide by the rules of society, in particular the quality of contract enforcement, property rights, the quality of the courts, and the police's ability to enforce court orders.
When trading with businesses in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.
In Ethiopia, the rule of law index is at -0.61 points, with the score going from -2.5 (weak) to 2.5 (strong). Ethiopia has, therefore, a very low rule of law index, which means it is often close to impossible to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.
Other drivers for the high political risks are the very weak control of corruption, the very weak political stability index, and the large shadow economy that is 25.1% of Ethiopia's GDP.
The commercial risk in Ethiopia
In Ethiopia, the commercial risk score is 1/4, which in our model is a very low score. This very low commercial risk score is low compared to the average in Africa.
The commercial risk is impacted by a country's international trade relationships. You can see some of the key facts for Ethiopia in the table below:
Ethiopia has a foreign exchange reserve of bn. USD.
Ethiopia has a negative trade balance of -9.07% of GDP. This means that Ethiopia imports more goods and services than the country exports.
The annual growth of exports of goods and services has been growing 35.43% annually - now 7.59% of GDP. Import of goods and services represents 16.66% of the GDP in Ethiopia.
The financing risk in Ethiopia
We have calculated the financing risk to be 4/4, which equals a high risk. A high financing risk score is relatively high for countries in Africa.
The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Ethiopia in the table below:
In Ethiopia, the credit information sharing index is 0 on a scale from 0 (low) to 8 (high). The consequence of that number, is that the access and quality of credit information available in Ethiopia is very low.
This makes it very difficult for you to understand the credit risk of your counterpart in Ethiopia. Unless you have a strong relationship with your customers in Ethiopia, we highly recommend charging payment upfront or using credit insurance.
Your juridical rights as a creditor are 3 out of 12 and, therefore, very weak.
Debt Collection in Ethiopia: Frequently Asked Questions (FAQs)
In Ethiopia, the individual or entity owing money is referred to as "the debtor", while the party who granted the loan is known as "the creditor". Debt collection involves "first-party collection" when the lender attempts to recuperate the debt on their own, and "third-party collection" when a separate entity manages the process. The debt collection process in Ethiopia usually involves several steps including uploading the claim, amicable collection, evaluation, surveillance, legal collection, and debt enforcement. Debitura can assist with all these steps in Ethiopia.
The debt collection process in Ethiopia typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. Pre-legal collection involves sending friendly reminders to the debtor to encourage payment. If this fails, the creditor can consider legal action, which takes around 1.5 years to process. If the debtor admits to owing the money, or there is a court order, debt enforcement can be carried out through the bailiff's court. Debitura can assist with all three steps in Ethiopia.
If the debt is disputed, a civil lawsuit is required for legal debt collection in Ethiopia. Additionally, debt enforcement and insolvency proceedings may be available options. It is important to note that legal actions require a local lawyer, and we offer 3 complimentary quotes from our team of local debt collection attorneys. Fees for legal professionals vary based on the nature and size of the claim.
Debt collection fees in Ethiopia vary depending on the specific case and desired actions. At Debitura, we offer a no-cure-no-pay model for pre-legal collection with a success fee of 10-20%. For legal actions, the cost depends on your case. We can provide you with 3 quotes from the best debt collection lawyers in Ethiopia.
The time it takes for debt collection in Ethiopia varies depending on the debtor and the case. If it can be resolved in the pre-legal phase, it usually takes 3-6 months. However, if legal action is required, it could take up to 12-18 months to collect the debt. The duration of the process depends on the complexity of the case and the cooperation of the debtor.