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

Recovering your debt in Ghana is simplest using this method.
Debitura specializes in debt recovery services in Ghana, with our team of experienced professionals offering a wide range of solutions such as accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our expertise in Ghana's debt collection laws and regulations enables us to provide efficient and effective solutions that enable businesses to recover outstanding debts.

We offer unwavering support from the beginning until the end.

Tailored debt recovery plan.

We have over 500 professionals specialized in global debt recovery.

We offer a cost-effective solution with a success rate of 87%.
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Integri Solicitors & Advocates (Integri) is a full-service law firm in Ghana. The firm specialises in specialised areas of the law and provides top-notch legal advice to governments, corporate clients and individuals.
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A client-centric boutique law firm specializing in Corporate, Transactions, Dispute Resolution, and Tax in Ghana. We leverage our competitive understanding of the business landscape in Ghana, our entrepreneurial experience, and our team of young lawyers to drive client interest at all times.
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Osafo Adu-Amankwah & Co. (OAAC) founded in 2009, is a multi-faceted private law firm in Ghana providing excellent legal services to individuals and businesses. At OAAC, we provide legal advice and opinions as well as represent clients in courts of law and other administrative bodies.
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G.A.Sarpong & Co comprises a team of lawyers combining extensive experience with versatility. We are committed to excellence in legal practice and aim to provide the highest standard of expertise in Ghanaian law to both domestic and international clients.
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A full-service law firm with expertise in commercial litigation, negotiations and debt recovery for both local and international clients.
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Legalstone Solicitors is a full-service law firm that offer Corporate and Commercial services, Mining and Infrastructure, Debt Recovery and Restructuring, Real Estate and Construction, International Family Law, and Commercial Arbitration. We offer competitive, affordable and practical commercial advice to a broad spectrum of clients.
The ultimate guide about debt collection in Ghana
If you are owed money by a business or customer in Ghana, we can help you! We have helped hundreds of other businesses get their money back from people who owe them.
It can be hard to get people to pay you money that they owe you in Ghana. Things like different languages and customs can make it hard. And if they live far away, it can be even harder.
Debt recovery is simpler when you use a collection agency that knows the laws and customs of the country where the debtor resides.
At Debitura, we always try to help our customers get their money back. We also try to make sure that the customer is happy with us. This way, they will want to use our service again in the future. If you want to learn more about how we can help you get your money back from someone who owes you, keep reading this guide. If you would rather have a law firm help you get your money back, we can put you in touch with one.
At Debitura, we make it easy to collect your debt in Ghana and 192 other countries. Just upload your claim today, and we'll assess it within 24 hours. Then you'll get 3 free quotes from local debt collection lawyers in Ghana. We use a people-oriented approach with the latest tech-driven solutions to get results and provide better contact management. This comprehensive method gets the results you need while preserving customer relationships. In addition, our network of debt collectors, attorneys, suppliers and vendors are cherished relationships that allows us to get the job done. We value each of these relationships, no matter how small or large.
Upload claim
Begin collecting your outstanding debt today in Ghana without any charge. Simply register for a free profile, and submit your case in under 2 minutes.
Pre-legal
We use a tested pre-legal recovery process to try and collect your claim during the first three months. Our service is no-cure-no-pay, guaranteeing 100% satisfaction.
Legal
If your debt remains unpaid during the pre-legal phase, we will offer you three quotes from our pool of local 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 Ghana
Do you have a hard time getting people to pay you back in Ghana? Do not worry; we make it easy for you to get paid by your Ghanaian customers.
The person who owes money is called the debtor. The person who gave the debtor money is called the creditor. If the creditor collects money from the debtor, it's called first-party collection. If someone else helps the creditor collect money from the debtor, it's called third-party collections.
The debt collection process in Ghana
The debt collection process in Ghana usually happens in several steps. The picture explains the process that we use to collect debt in Ghana.

1 Upload your claim:
If you want someone to help you get your money back, you need to find a debt collection partner. This is someone who will help you get your money back from the person you lent it to. You can upload your claim to 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 is free - meaning there is no cost for this service.
2 Amicable collection:
The collection process begins with sending reminders to the person who owes you money. This is called a "campaign." The reminders go through email, SMS, and other ways of communicating in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!
3 Evaluation:
If the debtor has not paid you after you have talked to them, it is time to look at what to do next. We will look at how much money you are owed, the chance of getting paid and other factors to help you decide what to do next. There are three typical next steps:
A Surveillance:
If you are owed less than 2,000-5,000 Euros, it is often not worth taking further legal action. In this case, we recommend "debt surveillance," where we will keep trying to contact the person who owes you money and try to reach a friendly agreement.
B: Legal collections:
It's a good idea to go through a specific set of steps to get money you think you're owed, especially if it's a lot of money. The steps you need to take will vary depending on the situation. Typically, it will take about a year and a half to finish everything.
C: Debt enforcement:
If the person you think owes you money has said that they do, or if a court says they owe you money, you can go to the bailiff's court to get the money.
At Debitura, we can help you with all three steps in Ghana.
Amicable collection in Ghana
At Debitura, we offer a process for Amicable collections that is 100% risk-free and very efficient. Simply submit your claim, and we will get started within 24 hours.
We will try to contact your debtor in Ghana using different ways, such as email, text messages, letters, phone calls, and social media.
The goal of this process is to:
1) get the debtor to pay the full amount, or
2) get the debtor to agree that they owe the money and start a plan to pay it back
If the person you think owes you money says they do not owe you money, you cannot try to work it out yourselves. You must go straight to using a lawyer to help get your money.
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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 Ghana
If the person you are owed money from has not paid you back, or if they say they do not owe you money, we will give you 3 free quotes from our local debt collection attorneys. In the legal phase, our local attorney will reach out to your debtor and try to negotiate a payment. Our partners can also go to court and get a payment order via the legal system in Ghana. This payment order can then be used to enforce your claim via enforcement court.
Attorney fees depend on how big and complicated your case is. To get the best price, ask for quotes from different attorneys. You can do this easily by using Debitura.
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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 Ghana
If you have a written acknowledgement of your claim from the debtor or a court order, you can use the bailiff's court in Ghana to enforce your claim.
The process and how much it costs varies depending on your situation. You can upload your case to Debitura to get 3 quotes from different companies within 24 hours.
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Get started with
debt enforcement
Upload your claim and get 3 FREE quotes from our local collection partners.
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The analysis is concluding that the risk of running a business in Ghana is medium. Based on this medium score, we recommend being careful providing credit and considering charging upfront payment or using credit insurance when trading if you don't know the customer in Ghana well. If possible, provide a short credit period or even better upfront payment. The average risk is conluded on the following areas:
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The economic risk in Ghana
Economic risk in Ghana is high (5 out of 6). An economic risk of 5 out of 6 is pretty average in Africa.
GDP and economic growth are critical drivers for economic risk.
The GDP of Ghana is 77,59 bn. USD (2021), growing by 5,36% per year.
In terms of the size of its economy, Ghana ranks #68 out of 183 countries and has a medium-sized economy.
In terms of growth rate, it is ranked #73 out of 183 countries and is therefore considered a fast-growing economy.
GDP per capita is 2445 USD, ranking Ghana number #129 out of 183 countries. This means the purchasing power of citizens in Ghana is low compared to the rest of the world.
You can see a more throughout picture of GDP and economic growth in Ghana 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 throughout picture of monetary KPIs in Ghana in the table below:
The inflation in Ghana was 10% in 2021 which is considered a very high inflation rate.
The business environment risk in Ghana
Our analysis shows that the business environment risk in Ghana is medium-high (4 out of 6), which is a relatively low risk score in Africa.
Economic freedom and rights determine the business environment risk in a country. Take a look at the important facts for Ghana in the table below:
As you can see above, the property rights index is 49 in Ghana, which is considered pretty average in Africa.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 63 in Ghana, a quite good score for a country in Africa.
Ghana's overall economic freedom index is 59 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Ghana
The political risk in Ghana is medium, with a score of 3/6. This is a low political risk score in Africa.
The governance and political stability indicators are critical drivers for political risk. An overview of Ghana 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 doing business in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.
In Ghana, the rule of law index is at -0,08 points, with the score going from -2.5 (weak) to 2.5 (strong). Ghana has, therefore, a low rule of law index, which means it often is very difficult to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.
Other drivers for the medium political risks are the weak control of corruption, the weak political stability index, and the very large shadow economy that is 39,37% of Ghana's GDP.
The commercial risk in Ghana
In Ghana, the commercial risk score is 4/4, which in our model is a high score. This high commercial risk score is high compared to the average in Africa.
The commercial risk is influenced by a country's international trade relationships. You can see some of the key facts for Ghana in the table below:
Ghana has a foreign exchange reserve of 9.81 bn. USD.
Ghana has a positive trade balance of 1,39% of GDP. This means that Ghana imports fewer goods and services than the country exports.
The annual growth of exports of goods and services has been growing 69,08% annually - now 29,91% of GDP. Import of goods and services represents 28,52% of the GDP in Ghana.
The financing risk in Ghana
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. Additional facts and info can be found for Ghana in the table below:
In Ghana, the credit information sharing index is 6 on a scale from 0 (low) to 8 (high). The result of this, is that the access and trustworthiness of the credit information in Ghana is medium.
This makes it easy for you to understand the credit risk of your counterpart in Ghana. Based on this, it should be possible to to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.
Your legal rights as a creditor (and as a borrower) are 6 out of 12 and, therefore, weak.
Debt Collection in Ghana: Frequently Asked Questions (FAQ)
Debt collection in Ghana usually happens in several steps. You can upload your claim to a debt collection partner who will help you get your money back. The process begins with sending reminders to the debtor through email, SMS and other means of communication. If the debtor doesn't pay after reminders, the next step will be evaluated based on the amount owed, the chance of getting paid, and other factors. These steps include debt surveillance, legal collections, and debt enforcement. Debitura can assist with all three steps in Ghana.
The debt collection process in Ghana typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. The pre-legal collection step begins with sending reminders to the debtor, while legal collection involves taking specific steps to recover the debt, which can take up to a year and a half. Debt enforcement involves going to the bailiff's court to get the money owed. Debitura can assist with all three phases of debt collection in Ghana.
In Ghana, if a debt is disputed, a civil lawsuit is required. Other legal options for debt collection include debt enforcement and insolvency proceedings which require the services of a local lawyer. Our website offers 3 free quotes from local debt collection attorneys who can negotiate payment and go to court to get payment orders. Attorney fees depend on the case complexity and can be compared using Debitura.
The cost of debt collection in Ghana depends on the type of service you need. Debitura offers a no-cure-no-pay model for pre-legal collection with a success fee between 10-20%. For legal actions, the price varies and depends on the specifics of your case. Debitura can provide you with 3 quotes from the top debt collection lawyers in Ghana.
The duration of debt collection in Ghana is dependent on various factors such as the debtor's response and the nature of the case. If the debtor cooperates, the pre-legal phase takes 3-6 months. However, if legal action is necessary, it could take 12-18 months to resolve the issue. The time it takes to collect the debt can vary, but we strive to work efficiently and effectively to achieve the best possible outcome for our clients.