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.
670 Responses
Howdy! I’m at work surfing around your blog from my new iphone 3gs! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the outstanding work!
RxFree Meds no prescription required pharmacy methylphenidate online pharmacy
https://enclomiphenebestprice.shop/# enclomiphene for men
Hello my loved one! I wish to say that this article is awesome, great written and come with almost all important infos. I would like to look more posts like this .
I truly appreciate this post. I have been looking everywhere for this! Thank goodness I found it on Bing. You’ve made my day! Thanks again
farmacias cerca de mГ: Farmacia Asequible – Farmacia Asequible
enclomiphene for men: enclomiphene citrate – enclomiphene for men
viagra pharmacy 100mg RxFree Meds topical rx pharmacy
Thankyou for helping out, fantastic info .
You actually make it appear really easy with your presentation but I find this topic to be actually one thing that I believe I would by no means understand. It sort of feels too complicated and extremely wide for me. I am having a look forward to your subsequent post, I?¦ll try to get the cling of it!
RxFree Meds: RxFree Meds – RxFree Meds
http://rxfreemeds.com/# online pharmacy propecia prices
https://enclomiphenebestprice.shop/# buy enclomiphene online
You are a very clever person!
reliable rx pharmacy hcg RxFree Meds lortab pharmacy online
brentan crema composicion: cialis 5 mg genГ©rico precio – farmacia on-line
Wonderful beat ! I would like to apprentice whilst you amend your web site, how could i subscribe for a weblog web site? The account aided me a applicable deal. I were tiny bit acquainted of this your broadcast offered vibrant transparent idea
http://enclomiphenebestprice.com/# enclomiphene for sale
Hello there, just was alert to your blog through Google, and found that it’s truly informative. I’m gonna be careful for brussels. I’ll be grateful if you happen to continue this in future. A lot of other people can be benefited from your writing. Cheers!
enclomiphene testosterone enclomiphene citrate enclomiphene testosterone
I think that is among the so much vital information for me. And i’m satisfied reading your article. But want to observation on some common things, The website taste is perfect, the articles is in point of fact nice : D. Good job, cheers
pharmacy one rx: super rx pharmacy – online pharmacy no prescription needed klonopin
buy enclomiphene online: enclomiphene best price – enclomiphene for sale
RxFree Meds atarax online pharmacy RxFree Meds
Thanks for the good writeup. It in fact used to be a enjoyment account it. Glance advanced to far introduced agreeable from you! By the way, how can we keep in touch?
RxFree Meds: propecia inhouse pharmacy – RxFree Meds
Heya just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same outcome.
nutriben bebe zoely precio ortopedia online barata
I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later and see if the problem still exists.
movicol genГ©rico precio: Farmacia Asequible – paradarmacia
https://enclomiphenebestprice.com/# enclomiphene price
tadalafil online Farmacia Asequible Farmacia Asequible
Hola! I’ve been reading your site for some time now and finally got the courage to go ahead and give you a shout out from Humble Tx! Just wanted to mention keep up the great work!
Valuable information. Lucky me I found your web site by accident, and I’m shocked why this accident didn’t happened earlier! I bookmarked it.
I am lucky that I noticed this site, just the right info that I was looking for! .
https://enclomiphenebestprice.shop/# enclomiphene buy
famacia online Farmacia Asequible Farmacia Asequible
enclomiphene for sale: enclomiphene testosterone – enclomiphene best price
cual es la mejor farmacia online: Farmacia Asequible – Farmacia Asequible
Thank you, I’ve recently been looking for info approximately this subject for a long time and yours is the best I have found out so far. But, what in regards to the bottom line? Are you certain about the supply?
texas rx pharmacy RxFree Meds RxFree Meds
You really make it seem really easy together with your presentation however I in finding this topic to be actually something which I believe I might by no means understand. It sort of feels too complicated and very broad for me. I’m looking ahead on your subsequent submit, I will attempt to get the hold of it!
RxFree Meds: RxFree Meds – rite aid pharmacy cialis
synthroid pharmacy price cialis certified online pharmacy RxFree Meds
https://enclomiphenebestprice.com/# enclomiphene online
internet pharmacy mexico online pharmacy buy viagra Secnidazole
Farmacia Asequible: farmacia veterinaria valencia – diprogenta opiniones
Excellent post. I used to be checking constantly this blog and I’m impressed! Extremely helpful information specifically the ultimate phase 🙂 I maintain such info a lot. I used to be looking for this certain info for a long time. Thanks and good luck.
Farmacia Asequible: farmacias gibraltar online – cuanto cuesta una farmacia en espaГ±a
http://rxfreemeds.com/# pharmacy cost of cialis