Our services

Professional debt recovery solutions.

A full range of services designed to help businesses and individuals recover outstanding debts efficiently and ethically — backed by legal expertise and delivered to the highest professional standard.

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Commercial Debt Recovery

ECL assists corporations, banks, and trade organisations in recovering commercial debts through structured, lawful processes. Our services cover pre-legal collections, demand letters, negotiation, mediation, and preparation for enforcement.

Pre-Legal Collection
Formal Demand Letters
Negotiation & Settlement
Mediation Services

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Domestic Debt Recovery

We manage consumer and household debt collections with professionalism and empathy. Our team balances firm recovery action with respect for debtor rights, ensuring compliance with Ghana's consumer protection regulations.

Clear Communication
Ethics & Law First
Structured Follow-ups
Payment Plans

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Legal Support & Advisory

Our legal advisory service helps clients mitigate credit risks and structure enforceable agreements. We review contracts, assess debt enforceability, and advise on recovery strategy.

Contract Review & Analysis
Debt Enforceability Assessment
Recovery Strategy Consultation
Risk Mitigation Planning

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Judgement Enforcement

Once you have a court judgment in your favour, enforcement is the critical next step. Our judgement enforcement services ensure that court orders are executed effectively, recovering your debts through legal mechanisms such as asset seizure, wage garnishment, and bank account levies.

Asset Seizure
Wage Garnishment
Bank Account Levies
Property Liens

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Process Service

Legal action depends on documents being served correctly and on time. ECL delivers prompt, professional service of legal process — writs, summons, demand notices and court documents — with proof of service you can rely on.

Writs & Summons
Demand Notices
Court Documents
Debtor Location

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Credit Risk & Monitoring

Prevention is cheaper than recovery. Our credit risk and monitoring service uses advanced verification and data tools to locate debtors, verify assets and conduct due diligence, so that your credit decisions and recovery actions are well-informed and targeted.

Debtor Verification
Asset Verification
Due Diligence
Portfolio Monitoring

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Credit Management

Good credit management reduces bad debt; good recovery management minimises losses when defaults occur. We help organisations improve the quality of credit decisions and reduce avoidable future defaults.

Credit-Policy Review
Documentation Review
Credit-Risk Identification
Credit-Control Procedures

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Revenue Collection

Experts Consult supports organisations with structured revenue-collection requirements, recovering outstanding balances professionally while protecting customer relationships.

Outstanding Service Charges
Commercial Receivables
Customer Balances
Institutional Collections

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Cross-Border Debt Recovery

International trade increasingly creates receivables involving parties in different countries. Our International Credit Exchange (ICE) membership and international relationships let us coordinate recovery where the debtor, asset or jurisdiction is outside Ghana.

One Recovery Interface
International Case Referrals
Local-Market Assistance
Legal Coordination

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