Last Updated on November 29, 2025 by Bianca Clinton, Partner at Clinton Consultancy – Qualified Solicitor (Ghana, England & Wales)
Debt recovery in Ghana is not as straightforward as many expect. Unlike Western jurisdictions, enforcement processes in Ghana often require negotiation, court action, company searches, demand letters, and sometimes insolvency petitions. This is where having a solicitor is crucial — the strategy used determines whether the debt is recovered or lost forever.
Many individuals and businesses attempt recovery informally and waste months. The truth is simple:
Only structured, legally compliant steps lead to real payment.
The higher the value of the debt, the more essential a lawyer becomes.
Why Debt Recovery in Ghana Can Be Complex
Several factors make recovery harder without legal guidance:
- Use of cash transactions without written evidence
- Delays in obtaining company records & financial statements
- Debtors using technicalities or avoidance tactics
- No central recovery enforcement system (unlike the UK or EU)
- Court procedures must be followed strictly
This means a strong legal strategy can make the difference between success and failure.
When Should You Call a Lawyer?
You should not wait too long. Debtors use delay as a tactic.
“If more than 30 days have passed and the debtor is avoiding you – it is time to act.
Waiting silently only makes them stronger.”
Why Choose a Law Office Rather Than a Collection Agency?
| Collection Agency | Law Firm (Clinton Consultancy) |
|---|---|
| Cannot file court action | Can file suit immediately |
| No legal authority | Legally enforce repayment |
| No insolvency power | Can initiate winding-up |
| Uses pressure | Uses law |
Next Step – Let’s Evaluate Your Case
If the value of the debt is above GHS 50,000 or USD 5,000, it may qualify for legal recovery.All consultations are confidential and case-specific.
Once reviewed, your matter will be assessed and the best recovery route will be recommended.
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
