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Expertise

Debt Collection

Professional, efficient debt recovery from formal demand through to full enforcement.

On This Page:

1 Overview
2 Capabilities
3 Resources
4 Meet Our Experts
5 Why Choose Us
6 Next Steps

1

Overview

Outstanding debts drain resources, disrupt operations, and create uncertainty. They also rarely resolve themselves. Through a dedicated debt recovery unit, S&P Advocates pursues our clients’ debts professionally, efficiently, and with the purposeful energy that produces results, by demand, by negotiation, and by the courts when necessary.

Our dedicated recovery unit aims to conclude ordinary debt recovery matters within six months to one year, a commitment that reflects the firm’s investment in efficient process management and the value we place on our clients’ time and cash flow. For clients with large volumes of outstanding debts, we offer portfolio recovery arrangements with regular reporting on recovery rates and file status.

We begin with a formal demand letter, properly structured to compel a response and preserve your legal rights. In many cases this is sufficient to trigger payment or negotiation. If not, we move swiftly to the next appropriate step, whether statutory demand, court proceedings, or asset enforcement.

In many cases, yes. Where judgment is obtained, the court may award costs against the debtor. We advise on the realistic prospects of cost recovery in each matter and factor it into our overall recovery strategy.

We assess asset position as part of our initial strategy review. Where a debtor has no reachable assets, we advise honestly on the prospects and costs of enforcement before recommending further action. We do not pursue unrecoverable debts at your expense.

Yes. We offer portfolio recovery arrangements for clients with multiple outstanding files, including structured programmes, regular reporting, and fee structures appropriate to volume work.

2

Capabilities

Formal Demand Letters

Structured demand correspondence that compels response and preserves your legal rights.

Summary Judgment Applications

Expedited court proceedings where liability is clear and speed is essential.

Garnishee Orders

Court orders attaching funds held by third parties, including bank accounts, in favour of creditors.

Statutory Demand & Winding-Up

Insolvency proceedings against corporate debtors unable or unwilling to pay.

Asset Attachment & Auctioneering

Coordinating professional execution of court-ordered asset recovery and sale.

Portfolio Recovery Programmes

Systematic, volume-managed recovery for clients with multiple outstanding debt files.

4

Meet Our Experts

Laureen Wafula

Associate

Handles debt recovery documentation, title registration, and commercial enforcement across active recovery matters.

James Juma

James Juma

Debt collection and securities specialist with broad litigation and commercial experience.

Imanda Chele

Associate

Manages key client relationships and instructs auctioneers and process servers through to full enforcement.

5

Why Choose Us

Dedicated Recovery Unit

A focused team built specifically for efficient, high-volume debt recovery across Kenya.

Six-Month Target

We aim to conclude ordinary recovery matters within six to twelve months of instruction.

Full Enforcement Capability

From demand letter through to garnishee order and auctioneer coordination, we see it through.

Portfolio Arrangements

We handle large volumes of recovery files with structured programmes and regular reporting.

Honest Assessment

We advise on asset position and realistic recovery prospects before you commit to action.

Cross-Sector Clients

We recover debts for banks, insurers, landlords, suppliers, and professional services firms.

6

Next Steps

Do not let outstanding debts sit unresolved. Contact our debt recovery unit today for a consultation on your recovery options and a clear assessment of the most efficient path to payment.

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