Debt Recovery

At Mugweru & Ndege Legal Associates Advocates, we provide robust and strategic legal support in debt recovery, helping individuals, companies, financial institutions, and other entities recover outstanding debts efficiently, lawfully, and cost-effectively. Unpaid debts can significantly disrupt cash flow, business continuity, and personal finances—our role is to offer timely legal remedies while maintaining professional and ethical standards.

We handle both secured and unsecured debt recovery, ensuring that creditors recover what they are rightfully owed, while complying with Kenya’s legal framework on credit, enforcement, and fair debt collection practices.

Debt Recovery Strategy and Advisory

Each debt recovery situation is unique, and we begin by evaluating the circumstances of the debt, the nature of the debtor, and the availability of evidence or security. We then advise clients on the most appropriate recovery approach, which may include:

• Demand letters and pre-litigation negotiation

• Debt acknowledgment and settlement agreements

• Security enforcement (charges, guarantees, pledges)

• Debt restructuring and repayment planning

• Legal action for recovery through courts

Our approach is not only legally sound but also commercially practical, seeking to preserve valuable relationships where possible and recover funds promptly.

Litigation and Enforcement

Where amicable settlement efforts fail, our advocates pursue litigation through the Magistrates’ Courts, High Court, or Commercial Court, depending on the value and complexity of the debt. We handle the full litigation process, including:

• Drafting and filing suits

• Obtaining judgment

• Enforcing decrees through means such as warrants of attachment, garnishee orders, bank freezes, charging orders, or bankruptcy and insolvency proceedings

We ensure that all court processes are properly followed and that clients’ rights are fully protected during enforcement.

Corporate and Commercial Debt Recovery

We also act for corporations, banks, and microfinance institutions in recovering loans, trade debts, bounced cheques, and other forms of commercial debt. We assist in enforcing:

• Loan agreements

• Hire purchase contracts

• Guarantees and indemnities

• Letters of credit and promissory notes

Additionally, we offer legal support in asset tracing and recovery, including due diligence on debtors’ assets and financial standing.

Defending Against Unlawful or Disputed Claims

For clients wrongly pursued for debt—whether due to fraud, mistake, or disputed liability—we provide strong legal defense. We challenge unlawful recovery efforts, protect assets from wrongful attachment, and litigate or negotiate to secure fair outcomes.

At Mugweru & Ndege Legal Associates Advocates, we understand the urgency and sensitivity of debt matters. Whether recovering what is owed or defending against unjust claims, we offer efficient, firm, and ethical legal solutions. Our goal is always to restore financial fairness and ensure our clients’ interests are safeguarded in every debt recovery process.