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 Togo

Togo is divided into 5 regions with Lomé being the capital city. Our local office is in the Tokoin-Forever of Lomé meaning we are centrally located to recover debts throughout all of Togo.

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 this case the official language is French and national languages Ewé and Kabiyé. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Togo

5 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:


    Togo 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 Togo

    Location of debt recovery office in Togo?

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

    Number of debt collection staff?

    Our firm employs about twenty people including three (03) lawyers

    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 Togo?

    Our law firm has been in operation since 1994, more than twenty-five (25) years ago

    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 Togo?

    With regard to the law of prescription in Togo, it is governed by the Revised Uniform Act on General Commercial Law adopted on December 15, 2010 in Lomé (TOGO) and entered into force on May 16, 2011

    According to the provisions of Article 16 of the said Act, Obligations arising from their trade between traders, or between traders and non-traders, are prescriptive by five years if they are not subject to shorter prescriptions

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

    European laws (European Union) have no impact on debt recovery in Togo

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

    With regard to business registers in the field of business in Togo, there is only one so-called Center for Formalities of Enterprises (CFE)

    General comments regarding process in Togo for debt collection and how differs from UK / other European countries:

    What is the debt collection process in Togo?

    With regard to the general comment concerning the debt recovery procedure in Togo and its difference from the European Union, it is important to underline that:

    Firstly, at the request of the Togolese authorities, the World Bank has prepared an assessment of the strengths and areas for improvement in the debt management in Togo

    Then, this assessment uses the Debt Management Performance Assessment tool. This tool is only a methodology developed by the World Bank, in collaboration with international institutions and other suppliers to assess the performance of debt management through a comprehensive set of performance indicators

    Lastly, the assessment covers all entities of the State involved in debt management activities. This set consists of several services within the Ministry of Economy and Finance (MEF) of other public bodies and the national agency of the Central Bank of West African States

    As regards the debt recovery procedure in Togo, it is the one enacted by the Uniform Act on the Organization of Simplified Recovery Procedures and Execution Ways, particularly the order for payment procedure. The creditor may, in accordance with this procedure, request the recovery of a certain, liquid and payable debt by first obtaining an enforcement order for recovery, without prior mediation with the debtor

    Average length of time to collect a debt?

    The average duration of debt recovery between individuals is five (05) years. If you have loaned money to a friend or sold a good to an individual, then, you have five (05) years to claim the amount from the day of the loan or sale

    In principle, with regard to the average period of recovery as an experienced lawyer, the legislator of the Uniform Act on the Organization of Simplified Procedures for Recovery and Enforcement does not provide for any average duration and it depends on the slowness or speed of the procedures.

    As an exception to this rule, in civil matters, according to the provisions of Article 2224 of the Civil Code: “Personal or movable actions are prescribed by five years from the day on which the holder of a right knew or ought to have known the effect enabling him to exercise it “

    In commercial matters, as pointed out above, the Article 16 of the Revised Uniform Act on General Commercial Law makes it clear that: “Obligations arising from their trade between traders, or between traders and non-traders, are prescriptive by five years if they are not subject to shorter prescriptions”.

    The Togolese Legal System for the recovery of debts is inherited from the Uniform Act on the Organization of Simplified Procedures for Recovery and Enforcement, which is a strong inspiration for it. In short, there is no average recovery time.

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

    Yes, the payment of fees may be delayed by the debtor. In this case, the latter is exposed to penalties of delay or increase depending on the circumstances in case of formal notice

    Concerning the interests, the legislator of the OHADA provided in article 157 of the Uniform Act that the act of seizure must contain, on pain of nullity, some mentions of which the separate counting of the sums claimed in principal, expenses and accrued interest plus a provision for accruing interest

    Details on legal service / process in Togo?

    With regard to the details on the legal service, we can list the companies of legal expertise, the Law Firms, the Legal Advice, the Notaries, the Bailiffs, the auctioneers, Companies of debt recovery.
    For the legal procedure in Togo, note that the judiciary opts for all procedures whether social, civil, criminal or commercial.

    Togo 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 Togo 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.

    Togo Tracing Agents

    Creditreform’s debt collection company service also uses expert local Togo 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 Togo debt collection services which differ from the UK debt collection agency  services 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