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Chaman Debt Recovery

Services

Lagos, Nigeria

Chaman Debt Recovery is a premier Nigerian debt recovery and credit management firm, providing first-class, result-oriented, and legally compliant recovery solutions for individuals, SMEs, large enterprises, financial institutions, multinationals, and diaspora-based clients. As a fully independent entity under the renowned Chaman Group, we operate with integrity, precision, and the full backing of a distinguished legal powerhouse—Chaman Law Firm.

Our core mission is to recover debts professionally, ethically, and efficiently, while preserving business relationships and adhering to the highest standards of legal and commercial practice. We have built our reputation on speed, strategy, legal expertise, and unwavering commitment to client satisfaction.

Whether you are dealing with unpaid invoices, commercial credit defaults, failed contract payments, loan enforcement issues, or cross-border debt recovery from Nigerian individuals or businesses, Chaman Debt Recovery is your trusted partner.

We aim to be Nigeria’s No. 1 and most reliable debt recovery company, recognized for excellence in ethical debt resolution, cross-border recoveries, and commercial dispute enforcement.

Our Core Values
• Professionalism: We handle each matter with the utmost competence and confidentiality.
• Integrity: We maintain ethical standards in all dealings and enforce only just claims.
• Result-Driven: We are committed to achieving optimal results using the most strategic methods.
• Client-Centric Approach: Every recovery effort is tailored to the unique circumstances and interests of our clients.
• Legal Precision: Backed by experienced legal professionals, our methods are lawful, strategic, and court-admissible.
• Efficiency: Time is crucial—our systems are built for rapid and successful recoveries.
Our Services

Chaman Debt Recovery offers a full suite of debt recovery and credit enforcement services, ensuring that every stage of the recovery process is handled with professionalism and urgency.

1. Commercial Debt Recovery

We assist companies and institutions in recovering unpaid debts, breached contracts, and defaulted receivables from other businesses or clients. This includes:
• Corporate debt collection
• Contract enforcement
• Business-to-business (B2B) debt recovery
• Supplier and vendor disputes

2. Personal Debt Recovery

For individuals or private lenders, we recover:
• Loans to friends, partners, or family members
• Rent arrears
• Defaulted agreements and pledges
• Informal credit recoveries with or without written contracts

3. Loan Recovery for Financial Institutions & Cooperatives

We work with:
• Microfinance banks
• Cooperative societies
• Investment groups
• Fintech lenders
To recover delinquent loans and enforce lending agreements.

4. Cross-Border and Diaspora Debt Recovery

Nigerians abroad often face the challenge of recovering funds from defaulting businesses or individuals in Nigeria. We specialize in:
• Diaspora-to-Nigeria recovery
• Foreign corporate claims against Nigerian-based businesses
• International arbitration support
• Legal representation of foreign claimants in Nigerian courts

5. Mediation and Negotiated Settlements

Where litigation may be too expensive or time-consuming, we offer:
• Debt negotiation
• Settlement structuring
• Mediated resolution meetings
• Enforceable terms of repayment

6. Litigation and Enforcement

In cases where amicable settlement fails, we initiate:
• Court action for recovery
• Garnishee proceedings
• Writs of execution
• Bankruptcy or insolvency filings (where applicable)

7. Debt Risk Advisory & Recovery Strategy

We provide consulting services to help clients:
• Assess recoverability of debt
• Draft debt instruments
• Structure lending agreements
• Avoid bad debts from the start

8. Real Estate-Related Debt Recovery

We assist landlords, estate agents, property managers, and property developers with:
• Rent arrears recovery
• Service charge defaults
• Purchase installment defaults
• Recovery of development funds

9. Government and Public Sector Debt Recovery

We handle contract enforcement and debt recovery from:
• Ministries, Departments and Agencies (MDAs)
• Local governments
• Public-private partnerships
• Government contractors

10. Business Receivables Management

We help businesses manage their receivables through:
• Outsourced receivables follow-up
• Invoice verification
• Reminder systems and escalation protocols
Who We Serve
• Private Individuals
• Business Owners
• SMEs
• Multinational Corporations
• Financial Institutions
• Government Contractors
• International Creditors
• Nigerians in the Diaspora
• Cooperatives and Loan Clubs
• Religious and Non-Profit Organizations
Our Competitive Edge
• Legal Backing: Operated by legal professionals with in-depth knowledge of Nigerian law
• Speed: We pursue every case with urgency
• Digital Tools: We combine legal skill with CRM and tech tools for tracking and managing debt
• Confidentiality: Your matters are handled discreetly
• Ethical Practice: We comply with professional conduct codes and anti-harassment standards
• End-to-End Service: From demand to enforcement, we handle everything

Our Team

Our recovery team is made up of:
• Licensed legal practitioners
• Professional debt recovery officers
• Litigation support personnel
• Account reconciliation specialists
• Field investigators
• Client relationship managers
All supervised by senior professionals with extensive experience in law and commercial recovery operations.

Our Coverage

We operate across all states in Nigeria, with field representatives and partner networks in major cities including:
• Lagos
• Abuja
• Port Harcourt
• Ibadan
• Enugu
• Onitsha
• Kano
• Benin
• Asaba
• Abeokuta

We also offer remote and digital services to foreign clients and diaspora Nigerians.

Our Affiliations

Chaman Debt Recovery is affiliated with:
• Chaman Law Firm (www.chamanlawfirm.com) – Legal Advisory and Litigation
• Chaman Integrated Ltd – Contract Enforcement and Property Recovery
• Chaman Properties – Real Estate-Linked Debt Matters
• ChamanTech Solutions – CRM and automation integration for case tracking

We invite individuals and organizations who are struggling with unpaid debts, defaulting partners, or enforceable credit agreements to reach out to us for an effective and professional debt recovery experience.