Debt / Loan Recovery

While most firm pay particular attention to conveyance and loan or financing documentation, we pride ourselves in concentrating on an area that is the last popular with law firms, which is debt / loan recovery. This is in light of the immense paperwork involved compared to the relatively small returns. Firms that do provide legal services in this area, do so with the view of procuring more convincing and financing documentation work. Undoubtedly, the firm does not provide these services, but our main area of practice remains debt / loan recovery and this is a line that we do indeed excel in.

Our firm understands the need to act quickly and swiftly to enter judgment to recover unserviced loans that have been disbursed to borrowers. This is because the legal profession is a service industry and realizes that the client requires fast and efficient results and not merely empty promises. Our emphasis in debt collection is speed, efficiency and accuracy with reasonable cost to our valued client. This is why four of the notices and legal proceedings. Further emphasis is made with regards to litigation and civil proceedings relating to Islamic Financing and Banking where the firm has been entrusted with responsibility of attending to debt recovery and also convenyancing matters for several client involved in the Banking and Finance line, from inception to completion of each particular matter.


The firm is aware that sealed Judgments are, by nature merely paper judgment unless the judgment sums are fully realized. In this respect, the firm also lays firm emphasis on execution proceedings in order to assist client in the actual and speedy realization of a debt or loan. In all forms of execution, speed is essential criteria for ensuring successful, and this we are proud to say, has always been in the forefront of our services. The modes of execution and areas of con concentration are as follows:

Writ Of Seizure And Sale

Once a defendant has a judgment obtained against him and are of impending execution proceedings, he may dispose of all his valuable assets to the detriment of our client. As aforementioned, our firm is able to obtain early return dates for applications for execution and ensure secrecy of execution proceedings by virtue of our good rapport with the courts. The firm also pays special attention to deposits made with the courts and ensures that such deposits are returned to the client not later than one month after any auction. This is an admirable feat as most deposits are only returned after a substantial amount of time has lapsed. We also ensure that our clients interest in the property or goods are protected at all times and if possible, arrange for extra bidders.

Judgement Debtor Summons

Similar to execution by way of writ of seizure and sale, the firm excels in obtaining early return dates to compel the debtor to settle the judgment sum as soon as possible. As the service of a Judgment Debtor Summons requires personal service, we have engaged the services of several companies and agencies to effects services as soon as possible. Thereafter, these companies and agencies would prepare and forward us the Affidavit of Service. We are again proud to say that our ratio of success in effecting service of judgment debtor summons on judgments debtors is very high.


For properties without title, normally assigned to the lending institutions i.e. the client, our ability to foreclose a property within an average period of one month is based on our strong relationship with various values and auctioneers. Similarly for properties with title, we have a proven track record of our speed and efficiency in obtaining early dates for orders for sale in the High Court. By virtue of our strong relationship with various property agents around the country, we are capable of bringing and arranging more genuine bidders to safeguards our clients interest by obtaining the best and highest possible sale price.


This mode of execution is popular in relation to Judgement Debtors that refuse to succumb to other modes of execution or who are difficult to trace. Although the time frame and procedure with regards to bankruptcy are fast and furious, this does not deter us from obtaining the necessary adjudicating and receiving orders in the shortest possible time. The firm’s staff is extremely experienced in the form of execution as may be seen by our track record.

Notice of Demand

It has been our policy that once we receive instruction from our client’s issue Notice of Demand to defaulting borrowers of a client bank or finance company, the notice would be sent out on the same day or at the latest within twenty four (24) hours.

The firm’s three lawyers assigned to attend to matters involving debt / loan recovery ensure the accuracy and legality of any and / or all notices of demand, which have been prepared by any one of the three (3) staff in our litigation department. The firm has at disposal one (1) members of the staff in the mailing department for purpose of ensuring that all documents are served efficiently and expeditiously. All outgoing mail shall reach the post office before 3.00 p.m. on the same day of issuance.


Stringent time frames are sent and complied with by the firm and its staff to ensure fast and positive results. Upon the expiry of seven (7) days contained in the Notice of Demand, summonses are prepared upon receiving instructions from the client. By virtue of our good working relationship with the relevant authorities, we normally obtain comparatively early mention dates. As far as possible, we strive to obtain judgment in favour of our clients on the first mention date itself. Our rapport with the official enables us to extract sealed copies of a judgment soonest possible.

In the event any defense is field, it is not our practice not to agree to any unnecessary postponements by defendant solicitors, nor do we indulge in requesting for adjournments, unless otherwise instructed by the clients. In any proceedings by way of the Summary Judgment applications are our primary recourse.


The firm emphasizes on speed, efficiency and accuracy with reasonable costs to our clients. We believe in providing quality services to our clients to be able to remain competitive.

As we have wide and varied experiences in commercial matters, we understand the needs of banks and financial institutions to disburse loans or credit facilities to there valued customers as soon as possible. The purpose behind this is to enable these financial institutions to remain competitive lending business.

Simultaneously, the firm understands the needs of developers to have the sales and purchases transaction complete and duly stamped in the shortest possible time so as to enable their purchasers to apply and obtain loans from financial institutions as fast as possible. We are aware that any delay of the purchasers in applying for loans would results in monetary loss to the developers and subsequently a loss of profit. The firm also provides advisory services to developers if and when the need arises.

While we continuously strive to set newer and higher standards in providing quality and efficient services to our clients, the firm prepares agreements within twenty-four (24) hours of receiving instructions from our valued clients by using the latest computer technology and programs.

Entire transactions are completed within one month from instructions, which is a feat in itself, taking into consideration, that in conveyancing, the firm has to communicate effectively with the various authorities to get the necessary consents, land and bankruptcy searches etc promptly.

Apart from providing quality services to our client, we at the firm believe in having an excellent rapport with people who matter to us in our business. We have established a very good working relationship with the officers and staff at the land offices and government agencies enabling us to expedite documents tendered for registration, adjudication etc.

Our firm specializes in sale and purchase agreements, end financing, syndicated loans, corporate loans, industrial loans and even Islamic banking.


As a fast expanding firm, we seek to broaden our horizons by venturing further into the legal corporate arena. The firm provides advisory services and is able to act on behalf of corporations. With the expertise and experience of the lawyers who have dealt with corporate matters, the firm provides services relating to joint ventures, shareholding, construction contracts, syndicated loans, corporate loans, copyright and patent, franchise matters, privatization and related matters and shall soon be able to offer services relating to intellectual property.

The firm is currently and actively involved in several ongoing corporate exercises which include privatization, corporatisation and outgoing agreements which involves extensive research drafting and preparation of documents attendance of meeting and presentations of the Government and the relevant authorities, providing of opinions on contracts and projects.

The firm also provides well-researched legal opinions to major corporations on complicated, intricate and complex matters and issues. Our client must be able to make an informed decision based on our opinions and is aware of all the rights and liabilities attached to the matter concerned.

The firm has also acted for several companies in advisory capacity, advising on company secretarial matters and registration and submission of relevant documents to the appropriate authorities.

As we are able to spool our resources together and by merit of our team of experienced lawyers from various legal backgrounds the firm seeks to provide a complete package of legal service to our clients for a more effective and most efficient results.