About Us​

About Us

Chaman Debt Recovery – Enforcing Justice, Securing Recovery

At Chaman Debt Recovery, we stand as Nigeria’s premier legal authority in debt recovery, enforcement, and commercial dispute resolution. With a strong foundation rooted in the legal, commercial, and financial sectors, we are committed to helping individuals, businesses, and foreign entities recover what is rightfully theirs — swiftly, lawfully, and strategically.

Our debt recovery team is led by Charles Chukwuma Nkwoka, Esq. (KSM), a renowned legal practitioner, property consultant, and dispute resolution expert. Backed by a team of highly skilled solicitors, recovery officers, and commercial law specialists, we have successfully recovered millions of naira and thousands of dollars in both contested and uncontested claims across Nigeria and for clients abroad.


Our Mission

To be Nigeria’s most effective, result-driven and reliable debt recovery partner — delivering fast, lawful, and ethical debt enforcement solutions for individuals, institutions, and international clients.


Our Vision

To build an internationally respected debt recovery brand, known for excellence, legal precision, and unmatched success in reclaiming value for our clients — no matter the complexity, location, or opponent.


What We Do

We specialize in legal debt recovery, judgment enforcement, pre-litigation collection, and cross-border recovery services. Whether it is a personal loan gone bad, a business invoice ignored, property-related debt, or large-scale commercial defaults, we offer tailor-made solutions that combine the power of the law with professional diplomacy and intelligent strategy.

Our Core Services Include:

  • Legal Debt Recovery & Litigation
  • Diaspora & Foreign Debt Collection
  • Corporate & Commercial Debt Enforcement
  • Pre-Litigation Recovery Services
  • Judgment Enforcement & Execution
  • Recovery of Rent Arrears and Loan Defaults
  • Recovery in Real Estate and Property Transactions
  • Mediation, Arbitration & Settlement Negotiation

Why Clients Trust Chaman Debt Recovery

  • Unrivaled Expertise: We are not mere agents — we are experienced legal professionals with a deep understanding of Nigerian debt laws and enforcement systems.
  • Local & International Reach: Our firm represents clients within Nigeria and across borders — including the UK, US, Canada, UAE, and other countries.
  • Confidential & Ethical Approach: We recover debts without harassment, defamation, or illegal tactics. We protect your reputation while enforcing your rights.
  • Fast Turnaround Time: We deploy legal mechanisms that produce swift and decisive results — from demand letters to garnishee orders and court actions.
  • Transparent Process: We update clients regularly and provide clarity on every step — from engagement to enforcement.

Who We Serve

  • Individuals and Families
  • Business Owners & Entrepreneurs
  • Real Estate Investors
  • Lending & Microfinance Institutions
  • Law Firms, Fintechs & SMEs
  • Multinational Corporations
  • NGOs & Cooperatives
  • Nigerians in the Diaspora
  • Foreign Companies Owed by Nigerian Entities

Our International Desk

Our Global Debt Recovery Desk serves foreign investors, lenders, and diaspora Nigerians seeking to recover debts from within Nigeria. Whether you are based in the UK, US, Canada, Europe, or any part of the world, you can count on Chaman Debt Recovery as your trusted local legal arm — enforcing your claims, preserving your rights, and representing your interests.


Let’s Help You Recover What’s Yours

At Chaman Debt Recovery, we believe that debt recovery is not just a legal process — it is justice in action. Let us help you take the bold, lawful, and effective steps to reclaim your money, your peace of mind, and your financial future.

Contact us today to schedule a consultation or begin your recovery process.

Qualified Debt Recovery Experts

Our team is made up of legally trained professionals and strategic negotiators with deep experience in debt collection, mediation, and enforcement. We operate with precision, confidentiality, and full compliance with Nigerian law.​​

Proven Experience in Recovery

Backed by over a decade of hands-on success through Chaman Law Firm and affiliate platforms, we have helped recover millions for individuals, businesses, and institutions across Nigeria and beyond.

Recognized and Trusted Nationwide​

We are proudly affiliated with Chaman Law Firm, and certified by reputable professional bodies in law, mediation, and debt enforcement. Our track record and endorsements speak volumes about our integrity and excellence.

Professional and Strategic Debt Recovery Specialist

Charles Chukwuma Nkwoka, Esq. (KSM), LLB, BL, LLM, CMC, FIMC, AICMC, ACIArb

Managing Partner – Chaman Debt Recovery

Charles Chukwuma Nkwoka is a seasoned legal practitioner and one of Nigeria’s foremost experts in debt recovery, commercial enforcement, and transactional justice. With years of hands-on experience through Chaman Law Firm and leadership across multiple business platforms, he has helped recover millions for clients—both corporate and individual—across Nigeria and beyond.

A highly respected attorney, mediator, and arbitrator, Charles leads the operations of Chaman Debt Recovery with a commitment to professionalism, precision, and results. His legal background, business acumen, and nationwide influence make him the trusted ally for creditors seeking swift and ethical financial recovery.

At Chaman Debt Recovery, he combines legal enforcement with strategic negotiation to deliver fast, discreet, and effective debt recovery solutions—restoring what is rightfully yours.

“Recovery without strategy is wasted effort. Strategy without execution is delayed justice.”

At Chaman Debt Recovery, we combine strategic legal insight with tactical enforcement precision to secure swift and ethical results for our clients.

Chaman Debt Recovery - Best Debt Reovery Firm in Nigeria
Committed To Helping Our Clients Succeed​

History & Expertise​

Legal Education​

LL.B, Madonna University, Okija
Bachelor of Laws (Second Class Upper), 2010

Nigerian Law School, Lagos Campus
B.L, 2018 – Called to the Nigerian Bar

LL.M, University of Lagos
Master of Laws – Specialization in Commercial and Property Law (2020–2023)

Professional Certifications & Recognitions

Chartered Mediator & Conciliator – Institute of Chartered Mediators and Conciliators (ICMC)

Chartered Arbitrator – Associate, Nigeria Branch, NICArb

Fellow, Institute of Management Consultants (FIMC)

Certified Management Consultant (CMC)

Licensed Insolvency Practitioner – Business Recovery and Insolvency Practitioners Association of Nigeria (BRIPAN)

Knight of St. Mulumba (KSM), Nigeria

Bar Admissions​

Supreme Court of Nigeria

Member, Nigerian Bar Association (NBA)

Accredited Mediator/Arbitrator for Corporate Dispute Resolution

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