Top-Rated Debt Collection Agency in Zambia

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

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4.97/5 Average rating from 600+ reviews
WHY USE DEBITURA? 

Recover your debt in Zambia easily.

Debitura specializes in debt collection in Zambia, providing a wide range of services led by experienced professionals. From accounts receivables management to pre-legal and legal debt collection, we assist businesses with efficient and effective solutions in line with Zambia's debt collection laws and regulations. Our enforcement court proceedings also ensure the successful recovery of outstanding debts.

We offer comprehensive support throughout the entire debt collection process.

Tailored approach to debt recovery

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

With the lowest cost, we achieve an impressive 87% success rate.

OUR ZAMBIAN LEGAL PARTNERS: Leading Debt Collection Lawyers in Zambia
NO 8B KAWAMA ROAD OFF MOSI OA TUNYA ROAD WOODLANDS LUSAKA
MUYATWA LEGAL PRACTITIONERS

Muyatwa Legal Practitioners is an innovative and flexible full service law firm in Zambia, focusing on delivering quick and reliable legal advisory and representation services to our Clients.

Lawsuits
Legal collection
Debt enforcement
15
2013
Law firm
Plot No. 12, Chilekwa Mwamba Road, off Lubu/Saise Roads, Longacres, Lusaka, Zambia
Eric Silwamba, Jalasi and Linyama Legal Practitioners

Dentons Eric Silwamba, Jalasi and Linyama Legal Practitioners - the Law Firm of the future.

Lawsuits
Legal collection
Debt enforcement
17
2000
Law firm
21 Kapumpe Road, Prospect Hill, Box 91, Private Bag E835, Lusaka, Zambia
MUNKANTA MULENGA LEGAL PRACTITIONERS

Munkanta Legal is a modern law firm operating in the legal advisory and dispute resolution market in Zambia. We are convinced that the basic pillars of our services: excellency, integrity, efficiency and responsive professional legal services for our clients are fundaments for any legal advisory.

Lawsuits
Legal collection
Debt enforcement
6
2020
Law firm

The ultimate guide about debt collection in Zambia

If you are owed money by a business or customer in Zambia, we can help you. We have helped hundreds of other businesses get their money back from people who owe them. It can be very difficult to collect debt from someone in another country, but we know how to do it. We will work with you to get your money back.

At Debitura, we always put people first. We try to get your money back while still keeping a good relationship with your customer. Our PR efforts are always fair but firm- ensuring your reputation is our top priority! If you want to learn more about the Zambian debt collection process, keep reading this guide. If you would rather work with a local law firm that specializes in debt recovery in Zambia, 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 your debt from people in Zambia and 192 other countries. To get started, upload your claim today. We will review your case and provide you with 3 free quotes from local debt collection lawyers in Zambia within 24 hours. We use both people and technology to get the results you want while still keeping good relationships with customers. We also have a network of people we work with including debt collectors, attorneys, suppliers, and vendors. We appreciate all of these relationships because they help us achieve our goals.

We work with the following process: 
1

Upload claim

Quickly start debt collection in Zambia today at no cost. Simply create a free profile, and upload your case within 2 minutes.

2

Pre-legal

We will attempt to recover your claim through our effective pre-legal recovery process for the first 3 months, with a no-cure-no-pay policy of 100%.

3

Legal

In case your claim remains unpaid during the pre-legal phase, we offer 3 quotes from our nearby debt collection attorneys.

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 Zambia

Do you have trouble getting people to pay you back in Zambia? Do not worry; we will help you get paid by your Zambian customers. When someone owes a debt, the person who lent them the money is called the creditor. If the creditor collects the debt himself, this is called first-party collection. If the creditor hires someone else to collect the debt, this is called third-party collections.

The debt collection process in Zambia

The debt collection process in Zambia is usually done in more than one step.

The image below explains the steps we take to collect debt in Zambia:

The debt collection process in Zambia
1 Upload your claim:

If you want someone to help you get your money back, you will need to find a debt collection partner. You can upload your claim to their website. If you use Debitura, we will give you 3 quotes from local partners in the Africa country where your case is happening. This is free - there are no conditions attached.

2 Amicable collection:

The collection process typically begins with sending the debtor reminders via email, SMS, letter, and other available communication channels in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. We offer a no-cure-no-pay solution for amicable collection, where you only pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!

3 Evaluation:

If you still have not received payment from the debtor even after trying to work things out amicably, it is time to consider what to do next. We will look at the size of your claim, the chances that you will get paid and other factors to help you decide what action to take. The three most common next steps are:

A: Surveillance:

If you are owed less than 2,000-5,000 euros, it may not be worth taking legal action. In this case, we recommend "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 people take legal action for bigger issues they have. The specific steps to take will vary depending on the nature and magnitude of the problem. Typically, it takes about one and a half to two years for the whole process to be completed.

C: Debt enforcement:

If the person you are owed money from has said that they owe you money, or if there is a court order, you can ask the bailiff to help get your money.

At Debitura, we can help you with all three steps in Zambia.

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura provided us with excellent debt collection services in Zambia. Their efficient and affordable model helped us recover outstanding debts quickly and easily. We highly recommend their services!"
Bwalya Mukuka - Accounts Receivable Supervisor
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Debitura made our debt recovery in Zambia a smooth and effortless process. They provided us with a knowledgeable and reliable debt collection partner, and we couldn't be happier with the results. Thank you Debitura!"
Lillian Zulu - Chief Accountant
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 Zambia

At Debitura, we offer a 100% risk-free and efficient process for Amicable collections. This means that you can submit your claim to us, and we will get started within 24 hours.

We will reach out to your debtor in Zambia through different channels, including e-mail, SMS, letters, calls and social media.

This process is done to:

A) Get the person who owes you money to pay all of it at once.
B) Get the person who owes you money to say that they owe you money and start giving you some of it back each month until it is paid off.

If the person you are trying to get money from does not agree that they owe you money, you cannot try to resolve it peacefully. You must start with legal action.

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 Zambia

If the person you owe money to has agreed in writing that they owe you money, or if there is a court order saying they owe you money, you can go to the bailiff's court in Zambia to get your money.

If the person you owe money to has agreed in writing that they owe you money, or if there is a court order saying they owe you money, you can go to the bailiff's court in Zambia to get your money.

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 Zambia

The final stage you can initiate if your debtor cannot pay his debts is an insolvency procedure. The goal of this procedure is to get rid of the debtor's assets and give them to the creditors following the debt priorities.

Zambia country risk profile

We have investigated Zambia'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 Zambia.

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 running a business in Zambia is medium-high. Based on this medium-high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Zambia, as it may be very difficult to get paid. The medium-high risk score is based on the following factors:

Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4

The economic risk in Zambia

Our conclusion based on the economic risk factors, is that the economic risk in Zambia 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 Zambia is 21,2 bn. USD (2021), growing by 3,57% per year.

In terms of the size of its economy, Zambia ranks #107 out of 183 countries and has a medium-sized economy.

In terms of growth rate, it is ranked #114 out of 183 countries and is therefore considered an excellent growing economy.

GDP per capita is 1121 USD, ranking Zambia number #153 out of 183 countries. This means the purchasing power of citizens in Zambia is low compared to the rest of the world.

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

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP3,57%
Gross Domestic Product, billions of U.S. dollars21,2
GDP per capita, current U.S. dollars1120,63
GDP per capita, Purchasing Power Parity3298,63

Another huge impact 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 Zambia in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index22%

The inflation in Zambia was 22% in 2021 which is considered a very high inflation rate.

The business environment risk in Zambia

Our analysis shows that the business environment risk in Zambia is medium-high (4 out of 6), which is a relatively low risk score in Africa.

The business environment risk are determined by the level of economic freedom and rights in a country. You can see the critical facts for Zambia in the table below:

Economic freedom indexLatest value
Property rights index (0-100)37
Freedom from corruption index (0-100)31
Fiscal freedom index (0-100)71
Business freedom index (0-100)66
Monetary freedom index (0-100)71,2
Trade freedom index (0-100)68
Investment freedom index (0-100)55
Financial freedom index (0-100)50
Economic freedom, overall index (0-100)50

As you can see in the table, the property rights index is 37 in Zambia, 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 66 in Zambia, a pretty good score for a country in Africa.

Zambia's overall economic freedom index is 50 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Zambia

The political risk in Zambia is very high, with a score of 6/6. This is a relatively high political risk score in Africa.

The governance and political stability indicators are critical drivers for political risk. An overview of Zambia can be seen in the table below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)-0,59
Government effectiveness index (-2.5 weak; 2.5 strong)-0,82
Control of corruption (-2.5 weak; 2.5 strong)-0,75
Political stability index (-2.5 weak; 2.5 strong)0,06
Corruption Perceptions Index, 100 = no corruption33
Shadow economy, percent of GDP32,99%

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 Zambia, the rule of law index is at -0,59 points, with the score going from -2.5 (weak) to 2.5 (strong). Zambia 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 very high political risks are the very weak control of corruption, the weak political stability index, and the large shadow economy that is 32,99% of Zambia's GDP.

The commercial risk in Zambia

In Zambia, the commercial risk score is 3/4, which in our model is a medium score. This medium commercial risk score is relatively high compared to the average in Africa.

The commercial risk is relying on a country's international trade relationships. You can see some of the key facts for Zambia in the table below:

International trade and investment Latest value
Exports of goods and services as percent of GDP54,6%
Imports of goods and services as percent of GDP36,01%
Trade balance as percent of GDP18,59
Trade balance, billion USD3.95
Foreign exchange reserves, billion currency units2.75

Zambia has a total of foreign exchange reserves of 2.75 bn. USD.

Zambia has a positive trade balance of 18,59% of GDP. This means that Zambia imports fewer goods and services than the country exports.

The financing risk in Zambia

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 critical facts for Zambia in the table below:

Banking system efficiency and stabilityLatest value
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)11
Credit information sharing index, 0 (low) - 8 (high)8

In Zambia, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). The result of this, is that the access and trustworthiness of the credit information in Zambia is high.

This makes it easy for you to understand the credit risk of your counterpart in Zambia. 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.

Debt Collection in Zambia: Frequently Asked Questions

How does debt collection work in Zambia?

In Zambia, debt collection can be done through first-party or third-party collection. The process usually involves amicable collection through communication channels, evaluation, and taking legal action or using debt surveillance to get paid. Debitura can assist you in all stages of debt collection in Zambia, including providing 3 free quotes from local partners, risk-free amicable collection, and legal action.

What is the debt collection process in Zambia?

The debt collection process in Zambia typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. Pre-legal collection involves sending reminders to debtors to pay or acknowledge the debt, and starting a payment plan. Legal debt collection may be necessary for larger debts and can take up to two years. Debt enforcement involves getting assistance from a bailiff to recover the debt. Debitura can provide assistance with all three steps in Zambia.

What legal options exist for debt collection in Zambia?

In Zambia, if a debt is disputed, a civil lawsuit is required for legal collection. Debt enforcement and insolvency proceedings are also options for debt collection. It's important to note that legal actions require a local lawyer. Our local collection attorneys can assist with obtaining a payment order from the legal system. Insolvency procedures may be initiated if the debtor cannot pay their debts. The cost of a lawyer will vary depending on the claim's size and complexity. Debitura can assist in finding the best price.

How much does debt collection cost in Zambia?

Debt collection costs in Zambia vary depending on your case, but with Debitura's pre-legal collection services, we operate on a no-cure-no-pay model with a success fee between 10-20%. Legal action prices vary, and Debitura can obtain 3 quotes from the best debt collection lawyers in Zambia to provide you with the best value for your specific case.

How long does debt collection take in Zambia?

The duration of debt collection in Zambia depends on the debtor and the specifics of the case. If the case is resolved in the pre-legal phase, the process usually takes 3-6 months. If legal actions are necessary, it can take 12-18 months to collect the debt. The timeframe varies on a case-by-case basis.