01
Debt Recovery
Demand letters, plaint preparation, summary judgment, and pursuit of judgment for banks, micro-finance institutions, and corporate creditors.
Disputes & Resolution
Debt Recovery & Civil Litigation
Debt collection, security realization, and civil litigation for banks, micro-finance institutions, and corporate clients.
Dx
- Acting for
- Banks · MFIs · Corporates
- Average duration
- ~8 months
- Success rate
- ~95% on recoveries
Overview
How we approach debt recovery & civil litigation.
We act for banks, micro-finance institutions, and corporate creditors on the full debt-recovery lifecycle — from demand to judgment to security realization to execution. The practice is built on disciplined process work, predictable timelines, and the kind of file management that makes a portfolio of recoveries manageable.
The firm's senior counsel appears regularly at the High Court, the Court of Appeal, and the subordinate courts on civil litigation across the western circuit and nationally. Our average from filing to resolution is approximately eight months, subject to the stability of the relevant station.
Services
What we cover in debt recovery & civil litigation.
02
Security Realization
Enforcement of charges, debentures, and supporting securities — statutory power of sale, auctioneer instruction, and post-sale completion.
03
Civil Litigation
Contract disputes, recovery of monies due, and general civil litigation in the High Court and the subordinate courts.
04
Execution & Attachment
Decree extraction, warrants of attachment and sale, garnishee proceedings, and onward execution to recovery.
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Insolvency-Linked Recovery
Bankruptcy and winding-up petitions, and engagement with insolvency office-holders to maximise creditor recovery.
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Portfolio File Management
Structured file handling for lenders carrying portfolios of recoveries — predictable reporting, milestone tracking, and clean closure.
Approach
The way we run a debt recovery & civil litigation matter.
A four-step discipline applied to every brief, so the work is senior-led at the points where senior judgement matters, and moves predictably between them.
File Review
Loan documentation, security pack, and demand history reviewed; any weaknesses surfaced before commencement so they are managed, not discovered later.
Demand & Plaint
Statutory demand issued; plaint and supporting affidavits filed with summary-judgment material where the facts allow.
Judgment & Decree
Matter prosecuted to judgment with senior involvement on contested hearings; decree extracted and registered without delay.
Realization & Execution
Security realized under the statutory power of sale; remaining shortfalls pursued through attachment, garnishee, and other execution routes.
FAQs
Questions clients ask about debt recovery & civil litigation.
The ones we hear most often. For anything specific to your matter, a short call is usually the fastest way to an answer.
All firm FAQs →Yes, this is core work for the firm. We act on individual recoveries and on managed portfolios of files, with the kind of structured reporting lenders need from external counsel.
It depends on the court station, the borrower's posture, and any title or registration issues with the security. The firm's average across contested matters is around eight months from filing to resolution.
Yes. The firm appears across Kericho, Bomet, Kisii, Nakuru, Nairobi, Narok, Sotik, Eldoret, Kapsabet, Nyamira, Kisumu, and beyond. Where the security is in a station we do not routinely appear at, we travel or coordinate with local agents.
We are ready for it. Contested matters are run with senior involvement, with realistic written advice to the client at each major inflection point — including whether settlement is the commercially sensible outcome.
Related Practice Areas
Adjacent counsel from the firm.
Debt Recovery & Civil Litigation Counsel
Speak with a partner about your debt recovery & civil litigation matter.
We will tell you, plainly, whether we are the right firm, and how we would propose to handle it. The first call is confidential and at no charge.