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.
8,296 Responses
п»їLately, I found a useful page concerning generic pills availability. It explains the safety protocols when buying antibiotics. If you are looking for Trusted pharmacy sources, go here: п»їweb page. Worth a read.
п»їJust now, I stumbled upon a useful guide regarding generic pills from India. It explains CDSCO regulations when buying antibiotics. If anyone wants cheaper alternatives, visit this link: п»їhttps://kisawyer.us.com/# cheapest online pharmacy india. Might be useful.
п»їRecently, I discovered a useful guide concerning generic pills from India. It explains how to save money for ED medication. If anyone wants reliable shipping to USA, take a look: п»їkisawyer.us.com. Hope it helps.
Quick question about getting antibiotics without prescription. I ran into a cool post that compares affordable options: п»їUpstate Medical. Looks legit.
you have a great blog here! would you like to make some invite posts on my blog?
п»їTo be honest, I found a useful page concerning Indian Pharmacy exports. It covers CDSCO regulations on prescriptions. For those interested in Trusted Indian sources, visit this link: п»їhttps://kisawyer.us.com/# Online medicine home delivery. It helped me.
п»їActually, I discovered an interesting resource about buying affordable antibiotics. It explains WHO-GMP protocols for generic meds. If anyone wants cheaper alternatives, check this out: п»їkisawyer.us.com. Hope it helps.
To save cash on meds, you should try checking this report. It shows where to buy cheap. Best prices found here: п»їUpstate Medical.
Hmm is anyone else experiencing problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feedback would be greatly appreciated.
Just wanted to share, a helpful analysis on buying meds safely. The author describes pricing differences for antibiotics. Full info: п»їpolkcity.us.com.
To save cash on meds, you should try visiting this page. The site explains where to buy cheap. Best prices at this link: п»їhttps://polkcity.us.com/# mexico prescription online.
п»їActually, I found a useful article about Indian Pharmacy exports. It explains the manufacturing standards for generic meds. If anyone wants cheaper alternatives, visit this link: п»їп»їlegitimate online pharmacies india. Good info.
п»їLately, I came across a helpful page about safe pharmacy shipping. It explains FDA equivalents on prescriptions. If anyone wants Trusted pharmacy sources, take a look: п»їhttps://polkcity.us.com/# purple pharmacy mexico. It helped me.
If you want to save big on pills, I recommend reading this resource. It shows where to buy cheap. Good deals at this link: п»їUpstate Medical.
п»їActually, I discovered a great guide regarding buying affordable antibiotics. It details CDSCO regulations for ED medication. For those interested in Trusted Indian sources, visit this link: п»їhttps://kisawyer.us.com/# indian pharmacy paypal. It helped me.
п»їTo be honest, I found a helpful page regarding Indian Pharmacy exports. It details how to save money for generic meds. If anyone wants cheaper alternatives, go here: п»їkisawyer.us.com. Worth a read.
Hi there! This post couldn’t be written any better! Reading this post reminds me of my good old room mate! He always kept chatting about this. I will forward this article to him. Pretty sure he will have a good read. Thanks for sharing!
п»їActually, I found a great article concerning cheap Indian generics. The site discusses the manufacturing standards on prescriptions. For those interested in Trusted Indian sources, read this: п»їhttps://kisawyer.us.com/# buy prescription drugs from india. Good info.
п»їLately, I discovered an interesting guide concerning buying affordable antibiotics. It explains the manufacturing standards on prescriptions. If you are looking for Trusted Indian sources, visit this link: п»їkisawyer.us.com. Worth a read.
п»їTo be honest, I found a great resource concerning buying affordable antibiotics. It details CDSCO regulations for ED medication. If anyone wants factory prices, check this out: п»їhomepage. Cheers.
п»їJust now, I discovered a useful page concerning buying affordable antibiotics. It details CDSCO regulations for generic meds. If you are looking for Trusted Indian sources, read this: п»їkisawyer.us.com. Cheers.
п»їActually, I stumbled upon an informative resource about cheap Indian generics. It explains how to save money when buying antibiotics. For those interested in reliable shipping to USA, read this: п»їhttps://kisawyer.us.com/# top 10 pharmacies in india. Hope it helps.
I was wondering about getting antibiotics without prescription. I ran into a cool archive that compares trusted vendors: п»їpolkcity.us.com. Seems useful..
п»їTo be honest, I found a helpful page about Indian Pharmacy exports. It explains how to save money for generic meds. If anyone wants Trusted Indian sources, visit this link: п»їkisawyer.us.com. Hope it helps.
Pretty! This was a really wonderful post. Thank you for your provided information.
NERVITAL
п»їTo be honest, I discovered an interesting guide concerning ordering meds from India. It covers the manufacturing standards for generic meds. If you are looking for cheaper alternatives, take a look: п»їbest online pharmacy india. It helped me.
NERVITAL REVIEW
п»їJust now, I found a helpful report concerning cheap Indian generics. The site discusses WHO-GMP protocols for generic meds. In case you need cheaper alternatives, check this out: п»їmail order pharmacy india. Might be useful.
I couldn’t resist commenting
To save cash on meds, you should try checking this page. It reveals trusted Mexican pharmacies. Best prices at this link: п»їhttps://polkcity.us.com/# mexico meds.
FYI, a detailed guide on cross-border shipping rules. The author describes how to avoid scams for ED meds. Link: п»їhttps://polkcity.us.com/# mexican drug store.
п»їJust now, I stumbled upon a useful guide about cheap Indian generics. It details the manufacturing standards when buying antibiotics. In case you need Trusted Indian sources, take a look: п»їthis site. Hope it helps.
п»їRecently, I found an informative guide regarding buying affordable antibiotics. The site discusses CDSCO regulations on prescriptions. In case you need reliable shipping to USA, visit this link: п»їlink. Good info.
п»їJust now, I discovered a great guide about cheap Indian generics. It explains CDSCO regulations for ED medication. In case you need Trusted Indian sources, check this out: п»їkisawyer.us.com. Hope it helps.
NERVITAL REVIEW
п»їTo be honest, I found a useful report concerning ordering meds from India. It covers how to save money on prescriptions. If anyone wants cheaper alternatives, visit this link: п»їindian pharmacy paypal. Good info.
NERVITAL
Quick question about safe Mexican pharmacies. I saw a cool post that lists affordable options: п»їhttps://polkcity.us.com/# can i order online from a mexican pharmacy. What do you think?.
NERVITAL REVIEWS
NERVITAL REVIEW
п»їLately, I discovered a helpful article concerning Indian Pharmacy exports. It covers WHO-GMP protocols for ED medication. If anyone wants cheaper alternatives, visit this link: п»їhttps://kisawyer.us.com/# cheapest online pharmacy india. Good info.
п»їActually, I found an informative resource concerning cheap Indian generics. The site discusses how to save money for ED medication. If anyone wants factory prices, visit this link: п»їvisit. Good info.
NERVITAL REVIEWS
Just wanted to share, a helpful analysis on FDA equivalent standards. It explains pricing differences for generics. Full info: п»їUpstate Medical.
NERVITAL