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 
Search a country below for debt collection: 

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: 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
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? 

We have been operating an African debt collection service on a no win no fee basis in Ghana since 2002. Ghana is included on our debt collection agency list

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 in Ghana. 
Ghana civil litigation statute of limitations is a law that time limits a plaintiff’s right to bring a claim against a defendant. The statute of limitations in Ghana is 6 years. However, if an action has been taken within this time then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. Other Statute of Limitations include: 
Ghana Open Account Years – 6 years 
Ghana Promissory Notes – 6 years 
Ghana Written Contracts – 6 years 
Ghana Oral Agreements – 6 years 

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. 
Ghana civil litigation statute of limitations is a law that time limits a plaintiff’s right to bring a claim against a defendant. The statute of limitations in Ghana is 6 years. However, if an action has been taken within this time then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. 

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. 
There is 1 company registry in Ghana which is called Registrar General's Department located at 4 locations in Ghana: 
P.O.Box 118 Accra 
Opposite Hotel Gandolfo Asafo PMB, Kumasi 
P.O.Box 251 Ministries, Sekondi 
Tamale, Ghana 
We have access to Ghana Company Registry searches to find out who further background information on all Ghana companies. 

What is the debt collection process in Ghana? 

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. 
We will send out debt recovery letters to email and addresses provided. 
If necessary we will also try to locate debtor establishment. 
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 average time taken to recover a Ghana B2B debt collection case varies from case to case but 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 Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Ghana skip 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. 

Ghana Debt Collection Partners in the following Ghana Cities 

What is the name of the Government Gazette in Ghana? 

The Gazette in Ghana is called the Ghana Gazette. 

Which countries border Ghana? 

vGhana is a country in West Africa which neighbours are Côte d'Ivoire to the west, Burkina Faso to the north and Togo to the east. 

Who are the main trading partners for Ghana? 

Ghana's main export and import partners are India, China, South Africa, Switzerland, Belgium, Netherlands and UK

What is the Supreme Court in Ghana? 

The Supreme Court for Ghana is called the 'Supreme Court of Ghana' which was established in 1876 in Accra by the Supreme Court Ordinance. 

Ghana Debt Collection Agency FAQs 

1. How does a Debt collection agency in Ghana recover overdue debts? 

The debt collection process is initiated by an introductory letter to your debtor stating the amount owed to you and informing them of our involvement. Letters are then followed up with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Ghana as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Ghana take to process a case? 

The debt collection case will be processed immediately up receipt and a letter sent normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Ghana? 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Ghana operate a No Win No Fee debt collection? 

We take on all debt collection cases on No Win No Fee basis only charging the agreed commission against monies recovered. 

5. Why use a local debt recovery agency in Ghana? 

The reasons for using a local Ghana debt collection agency than processing from a different country is the debt collector in Ghana speaks the local language, knows the local laws and operates in the same time zones. 

6. Are there any debts too old or too small for Ghana debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the Ghana debt collector. 

7. How do I instruct the debt collectors in Ghana? 

Instructing the debt collectors Ghana is a simple process. You just email details of the debt, debtor and amount to be recovered and the case can be initiated. 

8. What evidence do I need to provide when instructing the Ghana debt collector? 

When instructing the debt collector in Ghana just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

In general the debt collector in Ghana will request payments to be sent directly to the client but if not possible for any reasons will take payment directly. If payment is taken then cleared funds will be processed and sent to client straight away. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Ghana? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Ghana is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you. 
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