International debt collection in Ghana
Whether your debtor happens to be located in Brussels or in Accra, TCM Belgium can now offer you a bespoke local solution for your unpaid bills in Ghana!
Belgium often looks like a chaotic free-for-all, precisely because of all the very many and very various rules, and by the way: good luck finding your way through the labyrinth of debt collection in Ghana.
What can you try first yourself?
Ghana and, consequently, also the procedure of collection of unpaid bills, differs from Belgium in all manner of ways. And yet there are a number of universal points of reference that apply all over the world that you can first try for yourself.
Preventive measures (click here for more info):
- Collect info about your debtor (contact detail, credit track record, …)
- Acquire the necessary documentation (order form, delivery note, contract, e-mail messages,…) concerning the debt, preferably in accordance with the practices of the country of the debtor
- Draw up a watertight contract and/or ensure that your general terms and conditions are binding
- Bill as swiftly as possible and also send your invoices the digital way.
When the due payment date is exceeded:
- Establish contact by telephone with the debtor and prepare the conversation carefully
- Serve the debtor promptly, and on a regular basis, with formal written notice of default
- Reply to protests in order to defuse the situation.
Out-of-court debt recovery in Ghana
If the debtor fails to respond to the above steps, it is advisable to enlist the services of a debt collection agency. A recovery partner will accelerate the collection process without harming the client relation.
TCM Belgium has 30 years of experience to its name and operates on the no cure no pay principle, which means that, if the amicable option should unfortunately fail to elicit a favourable solution, then you, as claimant, will not incur any cost. This same principle also guarantees that we will do our utmost to reach an (amicable) settlement in the recovery of your debt.
Thanks to the TCM Group network TCM Belgium can organize direct local contact with the debtor. In other words, your file is monitored via your assigned contact person in Belgium direct with the debt recovery partner in Ghana. The local partner can weave his/her way around the ins and outs of all the local administrative and cultural do’s and don’ts, closely observing the local laws and the shared deontological code of the TCM Group.
Your Belgian file manager will regularly send you info on the file in your own language, besides which you also have online access to all updated info in your file(s).
Debt collection through the courts in Ghana
If the out-of-court way does however draw a blank, you might consider legal redress. Our local partners will then advise the best legal solution per case and TCM Belgium will guide and support you through the further course of the proceedings.
For the amicable settlement, and even more so in the event of initiation of legal proceedings for debt recovery, it is important that your file should be supported by all the necessary documentation (see preventive measures).
Every case is different and therefore requires a unique approach. If you wish to discuss about your file(s) and the possibilities, do not hesitate to contact us via email at email@example.com or by phone at +32 16 74 52 04.