Last Updated on November 16, 2025 by Bianca Clinton, Partner at Clinton Consultancy – Qualified Solicitor (Ghana, England & Wales)
In today’s economic climate, debt recovery has become one of the most important — yet most misunderstood — aspects of doing business in Ghana. Every month, individuals, SMEs, and large corporations face the same challenge: how to recover money lawfully from clients, suppliers, or partners who fail to pay.
Having worked on numerous debt recovery and insolvency cases over nearly two decades, I have seen that while Ghana’s commercial environment is dynamic, the process of recovering debts can be complex without proper legal guidance. This is because enforcement procedures require strict compliance with Ghanaian law, particularly the Courts Act, the High Court (Civil Procedure) Rules, and the Corporate Insolvency and Restructuring Act, 2020 (Act 1015).
Why People Pursue Debt Recovery
People and companies pursue debt recovery for several reasons — not only to recover lost funds but also to preserve business relationships and deter future defaults. Typical situations include:
- Unpaid invoices or contracts where clients fail to honour payment terms.
- Loan defaults between private individuals or corporate lenders.
- Tenancy arrears, especially in commercial property.
- Partnership disputes, where one party withholds funds.
- Corporate insolvency, where creditors seek to recover before liquidation.
In each case, the law provides different remedies — some fast and amicable, others formal and court-based. The key is choosing the most effective approach for your situation.
At Clinton Consultancy, my team coordinates with the courts, bailiffs, and banks to ensure that successful judgments translate into real recoveries.
Why Debt Recovery in Ghana Requires a Lawyer
Unlike in many Western countries where debt collection agencies can operate independently, Ghana’s system requires legal expertise to navigate procedural timelines, registry filings, and court enforcement. A qualified lawyer ensures every step is compliant, enforceable, and strategically sound.
The involvement of counsel also prevents counter-claims or defamation risks that can arise when creditors act informally.
Why Clients Choose The Law Office of Clinton Consultancy
- Nearly 20 years of commercial and litigation experience
- Dual qualification in Ghana and England & Wales
- Deep understanding of Ghanaian court processes
- Ethical, strategic, and results-driven approach
If you have an unpaid debt, my advice is simple — act early, act lawfully, and act through counsel.
About the Author: Bianca Akweley Clinton is a dual-qualified Solicitor of England & Wales and Barrister-at-Law in Ghana. She is a Partner at Clinton Consultancy, a leading international law firm assisting Africans and global clients corporate matters, transaction deals, immigration, and dispute resolution matters.
Through her platform BiancaClinton.org, Bianca publishes legal insights and thought leadership to support clients across the world including in our flagship offices in Ghana, Nigeria, Sierra Leone, United Kingdom and worldwide.
Contact directly:
Bianca@ClintonConsultancy.com
Ghana: +233 59 261 1535
UK: +44 7425 700 696
