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.
5,620 Responses
goedkope medicijnen online: goedkope medicijnen online – discrete levering van medicijnen
salt trick for men
https://hollandapotheeknl.shop/# apotheek zonder receptplicht
salt trick recipe
geneesmiddelen zonder recept bestellen generieke geneesmiddelen Nederland online apotheek
goedkope medicijnen online discrete levering van medicijnen Holland Apotheek
comprar medicinas online sin receta médica: farmacias online baratas – farmacia con envío rápido y seguro
FarmaciaFacile: medicinali generici a basso costo – FarmaciaFacile
http://farmaciafacileit.com/# FarmaciaFacile
salt trick
salt trick
I like this web blog very much, Its a rattling nice berth to read and find information. “There is no exercise better for the heart than reaching down and lifting people up.” by John Andrew Holmes.
veilig online apotheek NL: veilig online apotheek NL – geneesmiddelen zonder recept bestellen
ordinare farmaci senza ricetta: п»їFarmacia online migliore – ordinare farmaci senza ricetta
bestille medisiner online diskret: reseptfrie medisiner pa nett – nettapotek Norge trygt og palitelig
salt trick for men
http://hollandapotheeknl.com/# online apotheek
billige generiske legemidler Norge: apotek uten resept med levering hjem – NordApotek
nettapotek Norge trygt og pålitelig: apotek på nett – billige generiske legemidler Norge
What’s Happening i’m new to this, I stumbled upon this I have found It positively helpful and it has aided me out loads. I hope to contribute & help other users like its aided me. Great job.
I love the efforts you have put in this, appreciate it for all the great articles.
farmacia online Espana fiable: farmacia espanola en linea economica – farmacia online Espana fiable
billige generiske legemidler Norge: bestille medisiner online diskret – reseptfrie medisiner på nett
I like this weblog very much so much excellent information.
farmacia online madrid: farmacias online seguras – medicamentos sin receta a domicilio
geneesmiddelen zonder recept bestellen: online apotheek Nederland betrouwbaar – veilig online apotheek NL
http://hollandapotheeknl.com/# discrete levering van medicijnen
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.
opinioni su farmacia online italiana opinioni su farmacia online italiana farmaci senza prescrizione disponibili online
http://nordapotekno.com/# billige generiske legemidler Norge
spedizione rapida farmaci Italia: FarmaciaFacile – farmaci senza prescrizione disponibili online
farmacia online Italia affidabile: FarmaciaFacile – opinioni su farmacia online italiana
NordApotek: kundevurderinger av nettapotek – nettapotek Norge trygt og pålitelig
Very interesting subject, regards for posting. “Men who never get carried away should be.” by Malcolm Forbes.
Farmacia online piГ№ conveniente: migliori farmacie online 2024 – opinioni su farmacia online italiana
opinioni su farmacia online italiana: farmaci senza prescrizione disponibili online – farmaci senza ricetta elenco
certainly like your web site but you have to take a look at the spelling on several of your posts. Many of them are rife with spelling issues and I to find it very troublesome to tell the reality however I will definitely come again again.
https://saludexpresses.shop/# farmacias online seguras en espaГ±a
reseptfrie medisiner pa nett: billige generiske legemidler Norge – bestille medisiner online diskret
kundevurderinger av nettapotek billige generiske legemidler Norge apotek pa nett med gode priser
apotheek zonder receptplicht: online apotheek nederland – online apotheek Nederland betrouwbaar
FarmaciaFacile: farmacia online Italia affidabile – acquistare farmaci senza ricetta
medicinali generici a basso costo: ordinare farmaci senza ricetta – farmacia online Italia affidabile
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.
medicinali generici a basso costo: farmacia online Italia affidabile – farmacia online Italia affidabile
PINK SALT TRICK
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.
generieke geneesmiddelen Nederland HollandApotheek discrete levering van medicijnen
apotek uten resept med levering hjem: NordApotek – kundevurderinger av nettapotek
farmacia online España fiable: farmacia online España fiable – farmacia española en línea económica