1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Ghana

Ghana is divided into 16 regions. Our local office is in Accra so we are centrally located to recover debts throughout all of Ghana.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language, in the case of Ghana the official language is English with over 80 languages spoken. Of the languages indigenous to Ghana, Akan is the most widely spoken.. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Ghana

6 years but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


    Ghana Debt Collection – No Win No Fee

    Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement.

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

    The local International Debt collection Partners know:

    1. The local cultures
    2. The best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service Ghana

    Location of debt recovery office in Ghana?

    Accra. All debt collection letters are sent by the local head office.

    Number of debt collection staff?

    Currently we have 12 in Ghana Office. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors.

    How long have you been operating a debt recovery service in Ghana?

    Since 2002

    What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

    We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates.

    Statue of Limitation in Ghana?

    6 years and then it is Statute Barred

    How EU (European Union) laws effect debt collection in Ghana?

    Data Protection Laws will apply; however we are covered and in compliance with EU Data Protection Laws and in Ghana compliant with the Data Protection Commission.

    How many companies registries in Ghana for businesses (i.e. UK has just 1 central registry)?

    The Central Business Registrar is for business registrations and is only one, but you have a number of other registers such as Land, Commercial Court Records, Police, Immigration, Central Bank of Ghana (Financial registry), Passport office, Driver Vehicle Licensing Authority etc

    What is the debt collection process in Ghana?

    1. Upon receipt of case we will attempt contact by telephone and if successful invite debtor to office to see if amicable solution can be reached.
    2. We will send out debt recovery letters to email and addresses provided.
    3. If necessary we will also try to locate debtor establishment.
    4. If Skip trace is required then we seek approval and cost agreement before we attempt to locate the debtor.

    Average length of time to collect a debt?

    This is a very difficult question to answer but client must be informed that normally the process is very slow and they need to be patient. Many times when claims are sent to us the address given by the debtor is a PO Box which outside in Europe is relatively easy to locate. This is not the same in Ghana.  Most times the PO Box is false and so there is no address. If they change telephone numbers this can also be a problem.
    The best answer is likely three months to one year.

    Can late payment fees / interest to be added to claims?

    This depends upon the original contract that exists between the debtor and client. If it spells out that default will result in interest then in some cases this can be applied.  In many cases it is likely that unless we end up in court interest is not always chargeable. Each case has to be evaluated individually which we will do when we review before accepting case.

    Details on legal service / process in Ghana?

    Cases are filed depending upon the nature of case Commercial or against individuals and depending which court needs to hear the case.  There are criminal cases and civil cases and criminal cases are prosecuted by the Ghana Police Service and Civil Court cases are carried out by lawyers filing for client. Procedures vary but before going this route we would exhaust all options and then seek cost of going legal.  We try not to go legal as the process is often exaggerate by the lawyers and the courts and tends to drag on which will likely not be understood by the client unless he has personal experience of Africa.  There is no magic answer to this problem.

    We do have a large data base that allows us to know many of the companies in Ghana and we have the right personnel in place that can normally track down the individuals. We will also seek an amicable solution that the client agrees with after we have contacted the debtor.

    Ghana Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated Ghana Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    Ghana Tracing Agents

    Creditreform’s debt collection company service also uses expert local Ghana tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Ghana debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

    “We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
    Bryan de Beer, Phoenix Fragrances
    “Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
    Dean Lake, Lake Contracts
    “We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
    Anna Zhakrova, Catering Hygiene Specialists Ltd
    “I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
    Russell Hardwick, MSC Industrial