I honestly don’t know why in Nigeria, getting your money back from a debtor is a full-time job. Some people borrow with no intention of paying, and some even get angry when you ask for your own money!
If you want to collect your money without turning it into an episode of Crime & Justice Lagos, I’ve got the perfect strategies for you. You’ll need a pen and paper for this one.
The Friendly Reminder Approach
This is for those who still have faith in humanity.
Just send your debtors a message like this: “Hey bro, just checking in. Hope you’re good? By the way, about that small 50k, when should I expect it?”
Your debtors will probably promise you next week and guess what?Next week will come and go like fuel scarcity, and the money will still be missing. But at least you asked nicely.
The Passive-Aggressive Approach
This is when you are tired of asking directly and want to start sending signals.
You go on WhatsApp and update your status:
“If you owe me money, and you’re still posting ‘God when’, just know say God pass you.”
Or on Twitter:
“Some people will be forming rich but cannot pay small 20k. Lmao, God is watching you in 5D.”
If they have a conscience, they will reply: “Bros, are you talking about me?”
Congratulations, you now have their attention.
The Nigerian Parent Method
When all else fails, turn to emotional manipulation.
You: “Bros, I take God beg you, no let me disgrace my family. My landlord don give me quit notice. Na only your money I dey wait for.”
Debtor: “Haba, no be so na! You be my guy. Just give me small time.”
At this point, you have entered ‘is coming’ mode. But at least, they now feel bad.
The ‘Man of God’ Strategy
This one works if your debtor is religious.
You: “Baba, I just finished a powerful prayer session, and your name dropped in my spirit. The Holy Spirit said I should tell you something about a ‘pending debt’.”
“My brother, settle your debts so that the heavens can open for you.”
At this point, they will either pay you or start binding and casting you. Either way, progress has been made.
The ‘Visit Them Unexpectedly’ Approach
If your debtor has been avoiding your calls, it’s time to take it to the next level. No announcement. Just land at their house. Unannounced.
You: “My gee! Surprise visit! How far?”
Debtor (sweating): “Ah! You for tell me say you dey come na!”
You: “No wahala, I just say make I show. By the way, about that my money…”
Now, they have nowhere to run.
The Fake Giveaway Trap
This is highly effective on social media.
You post: “Giving away 50k to the first person to send me their account number. Let’s spread love!”
Debtor will immediately comment: “Odogwu, bless me!”
You: “Lol. Pay my 50k first, then we go talk.”
Game over. Checkmate.
The ‘Village People Are Watching’ Strategy
This is the last card you pull when all else fails.
You: “My guy, how far? Hope all is well? I just dream say you dey carry pot of soup and your leg swell.”
Debtor: “Jesus! What does it mean?”
You: “I don’t know, but e be like say e get something you never settle. Think well…”
They will send your money before midnight.
Getting your hard-earned money from a debtor is a special skill.
When they needed the loan, they were calling you “Odogwu”, “Boss”, and “My chairman”. The moment it’s time to pay back? Suddenly, they are busier than Dangote, and their excuses are longer than Third Mainland Bridge.
But with these tested and trusted strategies, you just might get your money back without breaking a single bottle.
I wish you all the best in your “peaceful debt-collecting venture.” May your accounts be credited, and may your friends stop using your money to do ‘soft life’ on Instagram.
If any of these strategies work for you, don’t gate-keep! Rush over to the Finance 101 community on Fusion and tell us all about it.
656 Responses
veterinario elvira la parafarmacia online farmacias por la zona
Some truly interesting details you have written.Helped me a lot, just what I was searching for : D.
Having read this I thought it was very informative. I appreciate you taking the time and effort to put this article together. I once again find myself spending way to much time both reading and commenting. But so what, it was still worth it!
RxFree Meds: RxFree Meds – RxFree Meds
skin care RxFree Meds RxFree Meds
https://farmaciaasequible.shop/# Farmacia Asequible
Everything is very open and very clear explanation of issues. was truly information. Your website is very useful. Thanks for sharing.
enclomiphene buy: enclomiphene for men – enclomiphene testosterone
RxFree Meds: med store pharmacy – online pharmacy review
enclomiphene price enclomiphene for sale enclomiphene citrate
enclomiphene buy: enclomiphene online – buy enclomiphene online
http://rxfreemeds.com/# RxFree Meds
LottoChamp is a lottery prediction software that uses statistical analysis and mathematical algorithms to help users choose more strategic numbers when playing the lottery.
buy enclomiphene online enclomiphene testosterone enclomiphene for men
PrimeBiome is a premium probiotic formula that focuses on restoring the natural balance of good bacteria in the gut. By doing so, it helps reduce digestive discomfort, supports immune function, and boosts nutrient absorption.
Enjoyed looking at this, very good stuff, thankyou. “If it was an overnight success, it was one long, hard, sleepless night.” by Dicky Barrett.
I want to express thanks to the writer for rescuing me from this type of setting. Just after surfing around throughout the the web and obtaining tips that were not pleasant, I was thinking my life was well over. Being alive minus the approaches to the issues you’ve resolved as a result of this article content is a crucial case, and the kind which might have in a wrong way damaged my career if I hadn’t encountered your web blog. Your actual understanding and kindness in dealing with the whole thing was helpful. I don’t know what I would have done if I had not discovered such a thing like this. I can at this point look forward to my future. Thanks for your time very much for your high quality and effective guide. I won’t hesitate to endorse your site to any individual who ought to have recommendations on this issue.
I used to be suggested this blog by way of my cousin. I’m not sure whether or not this publish is written by means of him as nobody else know such special about my trouble. You are incredible! Thank you!
farmacia online italia: Farmacia Asequible – Farmacia Asequible
enclomiphene: enclomiphene online – enclomiphene testosterone
enclomiphene online enclomiphene best price enclomiphene buy
SlimJaro is a natural dietary supplement that supports fat-burning and appetite control through a blend of carefully selected botanical ingredients. It’s typically sold in capsule form and aims to
RxFree Meds RxFree Meds RxFree Meds
I am not sure where you are getting your info, but good topic. I needs to spend some time learning more or understanding more. Thanks for excellent information I was looking for this information for my mission.
veterinaria natura: farmacia ortopedia las ventas – Farmacia Asequible
Rattling fantastic visual appeal on this website , I’d rate it 10 10.
provigil international pharmacy: RxFree Meds – online pharmacies uk
https://rxfreemeds.shop/# clomid online pharmacy no prescription uk
https://enclomiphenebestprice.com/# enclomiphene for sale
online pharmacy ultram: lidocaine online pharmacy – RxFree Meds
RxFree Meds online pharmacy viagra usa RxFree Meds
enclomiphene for men: enclomiphene citrate – enclomiphene online
Interesting blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple adjustements would really make my blog jump out. Please let me know where you got your design. Bless you
Mitolyn is a cutting-edge dietary supplement designed to restore energy at the cellular level. Unlike typical energy boosters that rely on caffeine or sugar, Mitolyn supports your body’s natural ATP production, the real fuel your cells use for energy.
of course like your website but you need to check the spelling on quite a few of your posts. Many of them are rife with spelling problems and I find it very bothersome to tell the truth nevertheless I’ll certainly come back again.
allegra at kaiser pharmacy: RxFree Meds – RxFree Meds
Very interesting details you have noted, thankyou for putting up. “The biggest fool may come out with a bit of sense when you least expect it.” by Eden Phillpotts.
Farmacia Asequible Farmacia Asequible Farmacia Asequible
You are my inspiration , I have few web logs and very sporadically run out from to brand.
geles durex opiniones Farmacia Asequible Farmacia Asequible
enclomiphene for sale: enclomiphene – buy enclomiphene online
F*ckin’ remarkable things here. I’m very glad to see your article. Thanks a lot and i am looking forward to contact you. Will you please drop me a e-mail?
enclomiphene: enclomiphene buy – enclomiphene best price
https://farmaciaasequible.shop/# Farmacia Asequible
Farmacia Asequible Farmacia Asequible movicol necesita receta
https://enclomiphenebestprice.com/# buy enclomiphene online
The Pink Salt Trick is a minimalist but effective morning routine: Just drink a glass of lukewarm water mixed with a pinch of Himalayan pink salt as soon as you wake up.
top online pharmacy india: india pharmacy mail order – india pharmacy
I saw a lot of website but I conceive this one has got something special in it in it
Hello there, just was alert to your weblog via Google, and found that it is really informative. I am gonna watch out for brussels. I’ll appreciate in case you proceed this in future. Numerous other folks might be benefited out of your writing. Cheers!