Unpaid debts strain friendships and businesses. The law gives you options, but taking matters into your own hands, such as seizing property or threatening someone, can land you in trouble.
1. Gather evidence
Agreements, invoices, mobile money statements, messages and witnesses prove the debt.
2. Talk and negotiate
Many debtors want to pay but need time. Agree a written payment plan.
3. Send a demand notice
A formal letter, ideally from a lawyer, giving a deadline and warning of legal action. It often triggers payment.
4. Mediation
Local leaders or mediation services can help without going to court.
5. Small claims procedure
For smaller amounts within the prescribed limit, the small claims procedure in magistrates courts is designed to be quick and lawyer free.
6. Court action
For larger debts, a lawyer can file a summary suit for liquidated sums. After judgment, the court can order enforcement through attachment.
What not to do
- Do not seize property without a court order
- Do not threaten or harass the debtor
- Do not publish their details to shame them
This article is general legal information, not legal advice. Consult an advocate about your specific situation.
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