Top-Rated Debt Collection Agency in Rwanda

Fast and reliable debt collection in Rwanda - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.

Get free expert advice
Get free advice from the best debt collection specialists.
Portrait of Our Debt Collection Expert - Dan, who is available for free, personalized advice.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
4.97/5 Average rating from 600+ reviews
WHY USE DEBITURA? 

Recovering your debt in Rwanda is easiest through this method.

Debitura is a specialist in debt recovery in Rwanda, offering a comprehensive range of services through our team of experienced professionals. Our services include accounts receivables management, pre-legal and legal debt collection, debt collection notices, and enforcement court proceedings. With our deep understanding of Rwanda's debt collection laws and regulations, we provide efficient and effective solutions to help businesses recover their outstanding debts.

We provide unwavering support from the beginning to the end.

Tailored debt recovery plan.

We have over 500 professionals who specialize in international debt collection.

Our debt collection service boasts a success rate of 87% while maintaining the lowest possible cost.

LOCAL LEGAL SUPPORT: Leading Debt Collection Lawyers in Rwanda.
KN4,m,M.Peace Plaza, 10th Floor, Kigali City, Republic of Rwanda
Aims Capital Associates

Aims Capital Associates, established in 2011, is more than a Law Firm. The vision of the Corporate Law multi-skilled Firm, is to provide legal and business support services to Clients, each according to needs. Our Clientele fall into a broad range of categories, such as infrastructure, technology, international trade, finance, energy, and numerous others. The Firm has both local and foreign clients with activities in Rwanda or East Africa.The Firm is also incorporated in Delaware, United States of America. The scope of services offered include debt recovery, arbitration, litigation, legal consultancy, insolvency management, investment advisory, trustee services, contract management, and Government relations.

Lawsuits
Legal collection
Debt enforcement
8
2011
Law firm

The ultimate guide about debt collection in Rwanda

If you are owed money by a business or customer in Rwanda, we can help! We have helped hundreds of other businesses in Rwanda collect debt. It can be difficult to collect debt from someone in another country because of different laws and customs. But it is easier if you use a collection agency that knows the laws and customs of that country.

At Debitura, we prioritize people. We do everything we can to get your money back while still having a good relationship with the person you lent money to. Our efforts are always fair, but firm. This means that we make sure your reputation is our number one priority! If you want to learn more about how to collect debt yourself in Rwanda, keep reading this guide. But if you would rather work with a law firm that specializes in this kind of thing, we can help you with that too.

New to debt collection?
The debt collection process can be complex and daunting for those new to it. Our team of experts is here to help you understand the process and navigate it with ease. Get free expert advice on your specific case, provided by our team of experienced professionals.

At Debitura, we help you collect money that people owe you. You can start today by uploading your claim. We will look at your case and provide you with 3 free quotes from local debt collection lawyers within 24 hours. Our people-oriented approach combined with the latest tech-driven solutions helps us get the results you need while preserving customer relationships. In addition, our network of debt collectors, attorneys, suppliers and vendors help us get the job done. We value all of these relationships equally.

We work with the following process: 
1

Upload claim

Begin the process of debt collection in Rwanda today at no cost. Simply register for a free account, and submit your case in just two minutes.

2

Pre-legal

Our approach to debt collection includes a pre-legal recovery process that we implement within the first 3 months. This proven method is completely risk-free, as we work on a no-cure-no-pay basis.

3

Legal

If your debt remains unpaid during the pre-legal phase, we will provide you with three quotes from debt collection attorneys in your area.

4

24/7 updates

You get access to our online portal where you can track your case in real-time

Introduction to collecting debt in Rwanda

If you have trouble getting paid by people you've lent money to in Rwanda, don't worry. We can help you get the money you're owed. The person who owes the debt is called the debtor, and the person who issued the debt or invoice is called the creditor. If the creditor collects the debt himself, this is called first-party collection. If the creditor outsources the collection process to a third party, this is called third-party collections.

The debt collection process in Rwanda

The debt collection process in Rwanda usually has several steps.

The image below explains how we usually collect debt in Rwanda:

1 Upload your claim:

If you want someone to help you get the money people owe you, find a debt collection partner. You can give them the information about the money people owe you, and they will try to get it for you. If you use Debitura, we will give you 3 free quotes from local partners in Africa.

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 to communicate in the specific country. The goal is to get the debtor to pay or agree 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 loaned money to hasn't paid you back after trying to work it out, it's time to decide what to do next. We will look at how much money is owed, the chance of getting paid back, and other things to help you choose the best option. There are three common next steps:

A: Surveillance:

If your claim is less than 2,000-5,000 Euros, it is not worth it to take any more legal actions. In this case, we recommend that you do "debt surveillance." This means that we will keep trying to contact the person who owes you money and try to reach an agreement.

B: Legal collections:

It is suggested that if you have a big claim, you should begin a legal process. The steps involved in the process will vary depending on the specific details of your claim. Usually, the process takes around a year and a half to complete.

C: Debt enforcement:

If you have talked to the person who owes you money and they agree, or if you have a court order, you can go to the bailiff's court to get your money.

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Thanks to Debitura, we were able to successfully recover outstanding debts in Rwanda. Their efficient and affordable debt collection services helped us maintain our business relationship with our clients. Highly recommend Debitura for debt collection in Rwanda!"
Florence Uwimana - Business owner and CEO
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura has been amazing with their service of debt recovery Rwanda. They helped us recover a significant amount of funds in a short period. We highly recommend their professional and efficient services!"
Alice Mukamana - Accounts Receivable Supervisor
4.97/5
Average rating based on feedback from over 600 satisfied clients
87%
Average debt recovery rate, exceeding industry standards
100M+
Debt recovered for our clients in the past 18 months

Amicable collection in Rwanda

At Debitura, we offer a process for Amicable collections that is 100% risk-free and very efficient. All you have to do is submit your claim, and we will get started within 24 hours.


We will try to contact your debtor in Rwanda through different ways, such as email, text messages, letters, phone calls, and social media.

The goal is to:

A) get the debtor to pay the full amount or
B) get the debtor to agree that they owe the money and start a payment plan

If the person you are trying to get money from has said that they do not owe you money, you cannot try to resolve this peacefully. You must go directly to legal collections.

Get started with
amicable debt collection

Upload your claim and get started with our 100% no-cure-no-pay collection solution.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

Debt enforcement in Rwanda

If you have written proof that the person you are suing owes you money, or a court order, you can go to the bailiff's court in Rwanda to get your money.

The process and cost for getting your money back will be different depending on your case. You can upload your case onto the Debitura website, and then you will get 3 different quotes from people who can help you within 24 hours.

Get started with
debt enforcement

Upload your claim and get 3 FREE quotes from our local collection partners.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

Insolvency proceedings in Rwanda

If the person you are owed money from cannot pay you back, there is a final stage you can initiate. This is called an insolvency procedure. The goal of this procedure is to take the debtor's assets and give them to the creditors. The order of who gets the assets depends on how much each person is owed.

Rwanda country risk profile

We have examined Rwanda's critical financial data and extrapolated a risk assessment. You can use this analysis to evaluate your payment terms and manage your risk when trading with customers in Rwanda.

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

Our analysis concludes that the risk of doing business in Rwanda is medium-low. Based on this medium-low 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 Rwanda well. If possible, provide a short credit period or even better upfront payment. The medium-low risk score is based on the following factors:

Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Economic Risk:
5
Business Risk:
2
Business Risk:
2
Business Risk:
2
Business Risk:
2
Business Risk:
2
Business Risk:
2
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Political Risk:
4
Commercial Risk:
1
Commercial Risk:
1
Commercial Risk:
1
Commercial Risk:
1
Financing Risk:
3
Financing Risk:
3
Financing Risk:
3
Financing Risk:
3

The economic risk in Rwanda

Economic risk in Rwanda 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 Rwanda is 11,07 bn. USD (2021), growing by 10,88% per year.

In terms of the size of its economy, Rwanda ranks #139 out of 183 countries and has a small economy.

Looking at the growth rate, it is ranked #16 out of 183 countries and is therefore considered a fast-growing economy.

GDP per capita is 834 USD, ranking Rwanda number #161 out of 183 countries. The result of this is purchasing power of citizens in Rwanda is low compared to the rest of the world.

You can see a more throughout picture of GDP and economic growth in Rwanda in the table below:

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP10,88%
Gross Domestic Product, billions of U.S. dollars11,07
GDP per capita, current U.S. dollars833,83
GDP per capita, Purchasing Power Parity2270,22

Another critical driver for the economic risk score is the inflation rate and the interest rates. You can see a more throughout overview of monetary data points in Rwanda in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index-0,4%
Business credit interest rate, percent16,18%

The inflation in Rwanda was -0,4% in 2021 which is considered a very low inflation rate.

Businesses has an interest rate which is 16,18%.

The business environment risk in Rwanda

Our analysis shows that the business environment risk in Rwanda is low (2 out of 6), which is a low risk score in Africa.

Economic freedom and rights determine the business environment risk in a country. You can see the critical facts for Rwanda in the table below:

Economic freedom indexLatest value
Property rights index (0-100)69
Freedom from corruption index (0-100)59
Fiscal freedom index (0-100)80
Business freedom index (0-100)62
Monetary freedom index (0-100)80,2
Trade freedom index (0-100)61
Investment freedom index (0-100)60
Financial freedom index (0-100)40
Economic freedom, overall index (0-100)68

As you can see above, the property rights index is 69 in Rwanda, which is considered good in Africa.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 62 in Rwanda, a pretty good score for a country in Africa.

Rwanda's overall economic freedom index is 68 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Rwanda

The political risk in Rwanda is medium-high, with a score of 4/6. This is a relatively low political risk score in Africa.

The governance and political stability indicators are important drivers for political risk. An overview of Rwanda can be seen in the data below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)0,2
Government effectiveness index (-2.5 weak; 2.5 strong)0,26
Control of corruption (-2.5 weak; 2.5 strong)0,6
Political stability index (-2.5 weak; 2.5 strong)0,17
Corruption Perceptions Index, 100 = no corruption53
Shadow economy, percent of GDP28,05%

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 Rwanda, the rule of law index is at 0,2 points, with the score going from -2.5 (weak) to 2.5 (strong). Rwanda has, therefore, a medium rule of law index, which means it should be possible to enforce your contracts. If possible, we still recommend charging payment upfront or working with credit insurance for larger deals.

Other drivers for the medium-high political risks are the average control of corruption, the weak political stability index, and the large shadow economy that is 28,05% of Rwanda's GDP.

The commercial risk in Rwanda

In Rwanda, 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 Rwanda in the table below:

International trade and investment Latest value
Exports of goods and services as percent of GDP19,06%
Exports of goods and services, annual growth2,85%
Imports of goods and services as percent of GDP34,79%
Trade balance as percent of GDP-15,72
Foreign exchange reserves, billion currency units1.89

Rwanda has a foreign exchange reserve of 1.89 bn. USD.

Rwanda has a negative trade balance of -15,72% of GDP. This means that Rwanda imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing 2,85% annually - now 19,06% of GDP. Import of goods and services represents 34,79% of the GDP in Rwanda.

The financing risk in Rwanda

We have calculated the financing risk to be 3/4, which equals a medium risk. A medium financing risk score is pretty average for countries in Africa.

The country's banking system, efficiency, and stability influence the financing risk. Additional facts and info can be found for Rwanda in the table below:

Banking system efficiency and stabilityLatest value
Interest rates on bank credit to the private sector16,18%
Real interest rate: Bank lending rate minus inflation13,07%
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)11
Credit information sharing index, 0 (low) - 8 (high)8

In Rwanda, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Rwanda is high.

This makes it easy for you to understand the credit risk of your counterpart in Rwanda. You should therefore be able to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.

Your rights as a creditor are 11 out of 12 and, therefore, very strong.

The medium financing risk for creditors also impacts the high interest rate in the private sector of 16,18%.

Debt Collection in Rwanda: Frequently Asked Questions (FAQ)

How does debt collection work in Rwanda?

If you are having trouble getting paid by someone you've lent money to in Rwanda, don't worry. You can get help from a debt collection partner who will try to recover the money owed to you. The process usually involves sending reminders to the debtor, followed by an evaluation to determine the best next step. Depending on the amount owed, surveillance or a legal process may be recommended. Debt enforcement may also be an option if the debtor agrees or if there is a court order. Debitura offers a no-cure-no-pay solution for amicable collection.

What is the debt collection process in Rwanda?

The debt collection process in Rwanda involves three steps: Pre-legal collection, legal debt collection and debt enforcement. Pre-legal collection starts with sending reminders to the debtor to pay or agree to start paying back the debt. Legal debt collection involves a legal process with various steps and usually takes around 1.5 years to complete. Debt enforcement is the final step where you can go to the bailiff's court to get your money if you have a court order or agreement with the debtor. Debitura can assist with all these steps and offers a no-cure-no-pay solution for amicable collection.

What legal options exist for debt collection in Rwanda?

If a debt is disputed in Rwanda, a civil lawsuit is required. Legal options for debt collection may include negotiating a payment with the debtor or obtaining a payment order via the legal system. You will need a local lawyer to take legal actions for debt collection or insolvency proceedings. Debitura can provide you with 3 free quotes from local debt collection attorneys. An insolvency procedure can be initiated if the debtor cannot pay, which aims to distribute the debtor's assets among the creditors.

How much does debt collection cost in Rwanda?

At Debitura, we offer a no-cure-no-pay model for pre-legal debt collection in Rwanda with a success fee of 10-20%. The cost for legal debt collection varies depending on your specific case and desired legal actions. To help you find the best and most affordable legal solution, we can provide you with three quotes from top debt collection lawyers in Rwanda.

How long does debt collection take in Rwanda?

The length of debt collection in Rwanda depends on the debtor and the case. Usually, if the matter can be resolved pre-legally, the process may take between 3-6 months. However, if legal actions are required, the debt collection timeline typically takes 12-18 months. In either case, it's important to engage with a professional debt collection agency to navigate the process and ensure success.