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 
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: 

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. 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 Zambia: 

Location of debt recovery office in Zambia? 

Lusaka, Zambia. 
All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

Several staff. 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 Zambia? 

We have been operating an African debt collection service on a no win no fee basis in Zambia for over 10 years. Zambia 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 Zambia? 

Six years in Zambia. 
Zambia 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 Zambia 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 EU (European Union) laws effect debt collection in Zambia? 

EU laws have little effect in Zambia. 
Zambia signed a free trade agreement (FTA) as part of East African Community (EAC) & Southern African Development Community (SADC) together with the European Union (EU) in 2009 and several parties have provisionally applied between 2012 and 2019. This is referred to as the Economic Partnership Agreement between the EAC / SADC and the European Union. The other EAC / SADC states involved are Comoros, Madagascar, Mauritius, Seychelles and Zimbabwe

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

There is 1 company registry in Zambia which is called The Patents and Companies Registration Agency (PACRA) located at Head Office, Plot No. 8471, PACRA House, Haile Selassie Avenue, Longacres, P.O. Box 32020, Lusaka, Zambia. 
We have access to Zambia Company Registry searches to find out who further background information on all Zambia companies. 

What is the debt collection process in Zambia? 

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

Average length of time to collect a debt? 

Depends on the B2B debt collection case but can take anything from 4 weeks to 12 months 

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

Unfortunately late payment interest is not usually recoverable for Zambia debt collection cases. 

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 

Zambia 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 Zambia 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. 

Zambia Skip Tracing Agents 

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

Zambia Debt Collection Partners in the following Zambia Cities  Chingola Debt Collection Agency Kabwe Debt Collection Agency Kasama Debt Collection Agency Kitwe Debt Collection Agency Livingstone Debt Collection Agency Luanshya Debt Collection Agency Lusaka Debt Collection Agency Mufulira Debt Collection Agency Ndola Debt Collection Agency  

What is the name of the Government Gazette in Zambia? 

The Gazette in Zambia is called the Republic of Zambia Government Gazette. 

Who are the main trading partners for Zambia? 

The main import and export partners for Zambia are China, Democratic Republic of Congo (DRC), Singapore and South Africa

Which countries border Zambia? 

Zambia is located in Africa whose neighours are Democratic Republic of the Congo and Tanzania, to the north and north-east, Malawi and Mozambique, to the east and south-east, Zimbabwe and Botswana, to the south, and Namibia and Angola to the west. 

What is the Supreme Court in Zambia? 

The Supreme Courts for Zambia are called: 
Constitutional Court of Zambia which became operational for the purpose of hearing and determining cases in May 2016. 
The Supreme Court of Zambia is the final Court of appeal. 

Zambia Debt Collection Agency FAQs 

1. How does a Debt collection agency in Zambia 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 Zambia 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 Zambia 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 Zambia? 

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 Zambia 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 Zambia? 

The reasons for using a local Zambia debt collection agency than processing from a different country is the debt collector in Zambia 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 Zambia debt collection? 

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

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

Instructing the debt collectors Zambia 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 Zambia debt collector? 

When instructing the debt collector in Zambia 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 Zambia 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 Zambia? 

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 Zambia 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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