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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 Zambia

We cover all 1o provinces in Zambia. Our local office is centrally located in Lusaka which is the capital city enabling us to recover debts throughout all of Zambia.


3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. There are 73 languages spoken in Zambia. The official language spoken is English, however the main local languages are Nyanja and Bemba.  Depending where your debtor resides in Zambia, they could use one of these many languages. The local office speak the local languages, and can work in the debtor’s native tongue. 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 Zambia

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

How to Instruct Us

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Zambia 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. 


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 languages
  3. The laws
  4. Are in the same time zones


Herewith details of our debt collection service Zambia 


Location of debt recovery office in Zambia?

CCO House, Stand No. 2374, Kelvin Siwale Road, P.O Box 30279, Lusaka, Zambia

Number of debt collection staff?

Several staff

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

10+ years

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

Both B2C debt recovery and B2C debt recovery

Statute of Limitation in Zambia?

Six years

How EU (European Union) laws affect debt collection in Zambia?

EU laws have little effect in Zambia

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

One located in Lusaka



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

What is the debt collection process in Zambia?

Pre court debt collection process is initiated with a introductory letter followed by intense telephone calls, emails and site visits where required.

Average length of time to collect a debt?

Depends on the debt case but can take anything from 4 weeks to 12 months

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

Not usually recovered

Details on legal service / process in Zambia?

Comprises of the Supreme Court of Zambia, the High Court of Zambia, the Industrial Relations Court, the Subordinate Court and  the Local Court


Specialist Debt Recovery Experts

There are many unique requirements to recovering international debts in all countries including Zambia 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