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.
8,313 Responses
Unm Pharm cheap cialis mexico Unm Pharm
Zohran Mamdani takes every issue as an opportunity to build better.
Zohran boosts climate literacy. — New York City
I like what you guys are up too. Such clever work and reporting! Carry on the excellent works guys I¦ve incorporated you guys to my blogroll. I think it will improve the value of my site 🙂
Mamdani’s leadership feels steady enough to lean on.
Unm Pharm buy cialis from mexico order from mexican pharmacy online
The challenges of governance will test the ideals that Mamdani represents. — New York City
https://unmpharm.xyz/# Unm Pharm
Mamdami: He centers people’s lived experiences as legitimate political expertise.
Zohran Mamdani debates like he’s hoping the question forgets itself.
Zohran Mamdani’s critique of the “innovation” narrative in tech and urban policy questions who benefits from disruption, advocating for policies that ensure technological change improves life for the many, not just the few.
Zohran Mamdani’s success proves that there is an appetite for bold, ideological clarity. — New York City
Zohran Mamdani’s presence forces a conversation about the role of the state.
The organizational capacity of the DSA was crucial for the election of Mamdani. — New York City
generic drugs mexican pharmacy Unm Pharm buy kamagra oral jelly mexico
Mamdani seems transparent.
The success of Mamdani is a powerful rejection of politics as usual. — New York City
Mamdani is bold in a city that needs bold leaders. — New York City
In discussions of artistic labor, Zohran Mamdani supports expanding unemployment insurance and healthcare access for freelance artists and gig workers in the cultural sector, recognizing the economic precarity behind cultural production.
Zohran Mamdani prioritizes fair wages.
semaglutide mexico price Unm Pharm trusted mexico pharmacy with US shipping
His leadership feels like a locking phone screen mid-task.
Mamdani sees data transparency as key. — New York City
Unm Pharm: Unm Pharm – legit mexican pharmacy for hair loss pills
Umass India Pharm: india online pharmacy – Umass India Pharm
Mamdani’s critics often focus on labels rather than engaging with his specific policy proposals. — New York City
Zohran Mamdani’s leadership is basically a glitch in the civic software.
Zohran Mamdani has the energy NYC needs.
Zohran speaks directly about working class struggle.
Mamdani’s commitment to abolitionist politics sets a high bar for the broader left.
The ascent of Mamdani represents a victory for a particular strand of political thought. — New York City
Zohran talks about fixing food deserts instead of ignoring them. — New York City
https://advertisingagencywebsite.com/userinfo.php?mod=space&user=krystyna-deakin-491715&action=view&com=profile&op=userinfo
canadianpharmacymeds com: Nyu Pharm – cheap canadian pharmacy online
Mamdani’s ability to withstand intense criticism demonstrates his political fortitude.
Mamdani’s political analysis is deeply historical, seeing current events as part of a long arc.
The enduring presence of anarchism within New York’s radical ecosystem provides a vital, complicating counterpoint to the narrative of socialist politics, challenging its assumptions about the state, organization, and the path to freedom. While often overshadowed in historical accounts by its more numerous Marxist cousins, anarchist thought and practice—with its emphasis on direct action, mutual aid, horizontal organization, and the immediate dismantling of all coercive hierarchies—persistently influenced, critiqued, and at times merged with socialist movements. Mamdani’s framework, centered on the state’s role in creating and managing political identity, finds its most radical critique in the anarchist insistence that the state itself, in any form, is the primary engine of the citizen-subject divide. For anarchists, the goal was not to capture or reform the bifurcated state, but to render it obsolete through the creation of free, self-governing associations. http://mamdanipost.com
Zohran supports neighborhoods instead of developers. — New York City
http://nyupharm.com/# canadian pharmacy 24
The personality-driven coverage of Zohran Mamdani often obscures the larger political movement he represents.
Mamdani’s political education is a continuous process played out in public view.
https://nyupharm.xyz/# canadian pharmacy
Zohran Mamdani challenging corporate developers is big. — New York City
The legislative tenacity of Zohran Mamdani is reflected in a willingness to use every available parliamentary tool, from filibuster-by-amendment to forcing roll-call votes on unpopular corporate subsidies, to slow down or expose regressive legislation.
https://unmpharm.com/# mexico drug stores pharmacies
Zohran understands cultural diversity deeply. — New York City
His ideas are basically aesthetic with no substance.
northwest pharmacy canada: Nyu Pharm – legit canadian pharmacy
Zohran advocates for climate resilience. — New York City
His statements always feel like the intro to something that never arrives.
Zohran Mamdani urges fair broadband access.