Amicable recovery: getting paid without going to court.
The amicable stage settles most unpaid debts, faster and at lower cost than legal action. Our teams negotiate firmly while protecting your business relationship and reputation.
How we act
Preliminary investigation
We check the debtor's address, business activity and solvency to choose the right strategy.
Formal notice
A formal letter that starts the legal clock and, if needed, prepares the litigation stage.
Multichannel reminders
Calls, SMS, WhatsApp, emails and letters, on a schedule run by a dedicated case manager.
Field visits
In-person meetings with the debtor across our 16 countries, through our teams and local partners.
Negotiation & payment plan
A written settlement agreement, a realistic payment plan approved by you, and follow-up on every instalment.
Easy payment
The debtor pays from their online portal: Mobile Money, bank card or transfer.
What we check and secure
Successful amicable recovery rests on a legally sound case, ready to move to litigation if needed.
Limitation period
From the 48-hour review, we check the claim is not time-barred, based on its nature and the applicable law, and act before the deadline.
Acknowledgement of debt
Whenever possible we obtain a signed acknowledgement of debt from the debtor: it interrupts the limitation period and makes any later proceedings easier.
Interest & penalties
On top of the principal, FALIS claims from the debtor the late-payment interest and penalties provided for by the contract or the law. They go to you and are included in the base for the success fee.
Evidence file
Contract, invoices, delivery notes, statements and correspondence are gathered and completed to secure the claim.
Security & guarantees
Identification of enforceable security and guarantors, with guarantors pursued alongside the main debtor.
Disputes & rescheduling
Debtors can dispute the claim or propose a payment plan from their portal; every request is submitted to you before any decision.
Our code of conduct towards debtors
Firm does not mean pressure. Our case managers commit to:
How an amicable case works
Case submitted
Supporting documents uploaded to your client portal.
Review & strategy
Debtor assessment and proposed action plan.
Formal notice
Notice sent and first contacts made.
Negotiation
Full payment or an instalment agreement.
Collection or escalation
Funds paid out to you, or escalation to litigation with your approval.
Frequently asked questions
How much does amicable recovery cost?
A fixed opening fee of XAF/XOF 50,000 or USD 100, then success-based fees calculated only on amounts actually recovered. The initial assessment is free.
Which documents do I need to provide?
Invoices or loan agreement, delivery notes, account statement, correspondence with the debtor and any known contact details.
How am I kept informed?
Every action is logged in your client portal, with a monthly report and an alert for each payment collected.
What if the debtor refuses to pay?
We will suggest moving to judicial recovery. No legal action is ever taken without your approval.
Is my claim too old to be recovered?
We check the limitation period as soon as we review your case. If the claim is close to being time-barred, we suggest the steps needed to interrupt it.
Have an unpaid debt?
Free assessment of your case within 48 hours.