Debtors dread hearing from collectors looking for money, and creditors hate when those in debt dodge their phone calls. If you’re in either situation, you may help from a legal professional.

A debt collection attorney is the best defense from being taken advantage of, so if you feel that you can’t handle either a creditor or a debtor on your own, an attorney will be able to help you.

What Does a Debt Recovery Lawyer Do?

A debt collection attorney can represent you if you’re a creditor or a debtor. A lawyer can help come up with strategies either to get back money that you’ve loaned out or to protect you from overeager creditors. Your attorney can handle paperwork for you or represent you in court.

If you are a creditor, an attorney can help you put a plan in place to gain back the money you loaned out. Should you go to court, the time frame and the amount you get will depend on the judge’s ruling/decision. If you’re able to settle outside of court, you and the debtor will be able to negotiate terms.

A lawyer with experience in debt collection can help fight for your rights as a consumer, defending you against a debt collector or creditor. Conversely, if you have successfully sued someone but still haven’t been paid, a debt collection lawyer can help you recover money you are owed. 

Many laws detail consumer protection laws as well as debt collection regulations, requirements, and procedures, and a debt collection attorney can help determine which legal strategies will be most effective in your case. In some cases, debt collection attorneys work for a percentage of the amount owed and only receive payment when you collect your money.

A debt collection attorney is the best defense from being taken advantage of, so if you feel that you can’t handle either a creditor or a debtor on your own, an attorney will be able to help you.



The rising costs of debt recovery litigation demands a change of tactics and business debt recovery solutions. No matter the debt profile of the debtor, we will implement an effective legal strategy to recover your money. We have the resources, including asset location, and private investigators to locate and collect your money; and all fees are on a contingency basis.


  • Acting on claims involving the validity and enforcement of loans, mortgages, charges, guarantees and security.
  • Proficiency in Garnishee Proceedings, Debt/Loan Recovery, Foreclosure, syndicated Lending and Liquidation.
  • Capacity to carry out reliable Due Diligence Corporate Searches and Title Investigation.
  • Proven ability to conduct commercial credit risk analysis of a debtor company or individual & give legal opinion.
  • Experts in the preparation of effective result-oriented debt-recovery demand letters & other processes.
  • Capability to advice on Corporate Governance & Regulatory Compliance for all types of companies.
  • Ability to educate and update you and your staff about the legal environment of your business via newsletters.
  • Able to provide frequent case updates, along with promptly returned phone calls and emails.


Our business is to help you achieve your business objectives while minimizing business legal risks, disputes and costly litigation. We will be ready to meet with you so as to answer your queries and discuss your concerns in greater detail.


This Capability Statement is made by LEGAL EMPERORS, and is in all respects subject to the negotiation, agreement, and signing of a specific engagement letter or contract. This Business Capability Statement is a starting point only and is not a substitute for legal or professional advice. This Capability Statement contains confidential material proprietary to LEGAL EMPERORS. The materials, ideas, and concepts contained herein are to be used exclusively to evaluate the capabilities of LEGAL EMPERORS. The information and the ideas contained herein may not be disclosed to anyone outside or be used for any purpose other than the evaluation of LEGAL EMPERORS capabilities.


Our strategy is first and foremost, to explore alternative dispute resolution. If this fails, we will pursue the debtor individual or company as well as the latter’s directors and officers, from demand letters to aggressive litigation (if need be). This is with a view to seeking a lien, seizure and or sale of assets.

Our recovery strategy is innovative and result-oriented. This is best captured in the following three phases:

Phase One

Commercial Credit Scoring and Commercial Credit Risk Analysis

Upon receipt of any debt collection assignment(s), all cases placed for collections are credit scored and a commercial credit risk analysis is performed. This business credit intelligence is attached to the debtor information file. This approach provides factual and critical commercial credit risk information, as well as payment pattern trends, which is important for the collection process.

In fact, we will obtain factual information about the debtor’s ability to pay and payment trends based on the past six quarters before we start the collection process. The information we gather contains payment history trends, state and federal tax lien information, pending law suits, unsatisfied judgments, Corporate Affairs Commission filings, secured creditors, collection agency actions, the legal business owner’s information, trending information showing whether or not the company’s payment trends are increasing or decreasing, and, their current risk factor.

Armed with this information, conversations are based on fact and not misinformation typically provided by debtor companies during the collection process to collections agencies that do not use credit and payment history information.

The benefit of this approach is faster payment of debt, higher settlements, and less litigation because we can determine whether or not a company will default during the collection process. It does not make sense to sue a company in financial distress with unsatisfied judgments already recorded. Knowing this, we will provide you with factual information so you can make the best settlement or litigation decisions when needed.

Phase Two

Segmentation and Debt Collections

Using the commercial credit score and commercial credit risk analysis, files are segmented and prioritized by their predictive payment trend and balance. This segmentation rapidly identifies companies that have the financial resources available for rapid resolution and debt recovery. These cases are assigned to our experienced debt collection specialists for the initial phase of collections through LEGAL EMPERORS commercial collection agency. Companies with medium to low scores, meaning high credit risk, are placed with our most experienced collectors as these files require a much sterner collection approach. Files are also segmented by industry and assigned to a collection team with experience in your type of business.

Experience is the key with these difficult cases as the debtors will reallocate their payment priority, pay your debt due and delay payment to other collection agencies or vendors pursuing debt to other companies. After all, if the debtors owe you money, chances are they also owe others and are being pursued by several collection agencies at the same time.

Phase Three

Debt Recovery Litigation

As members of the Nigerian Bar Association, Legal Practitioners at our firm maintain and partner with a national network of experienced litigation law firms. When a debt is not paid, litigation is the last step. Our in-house asset department will search for assets the debtor has, to determine if litigation is warranted. Once this process is complete, we will forward the information to you for approval.

The above approach and strategy will increase debt collection recovery percentages and reduce back-end legal costs, which results in a positive effect on your bottom-line profits.

As your local lawyers our mission is to provide easy access to legal services for members of the Nigerian community. One way we do this is by running a free and brief legal advice consultation. We also undertake work on legal aid.

Our aim is to demystify the law and lawyers and give advice on what is troubling people. We can then offer our clients further ways in which they can help themselves or they can decide to seek our help professionally.

LEGAL EMPERORS can work with you to provide the professional legal support and advice you need to get you through the tough times and to help you obtain your personal and professional goals.

We invite you to explore this website to learn more about our services and to SIGN UP FOR FREE LEGAL INFORMATION. Our website contains a wealth of free, reliable legal information.

Get legal solution for all your legal concerns. We can help you answer all your legal questions. We encourage you to contact us today to schedule a consultation with a skilled and experienced lawyer.

If you have questions and need our assistance in any area of law, please call (+234) 080-22148248 or email: or use the contact form right now.

We offer reasonable fees for all our services

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