Our Experience in the banking sector as well as private equity firms show the rising case of bad debts and this is due to the volatility in the global financial system which is subjecting market participants to extraordinary risk and uncertainty. The reassessment of risk by both lenders and borrowers has resulted in a less borrower-friendly environment and more restrictive terms in finance documents. Despite the paper work in most of this lending processes, many businesses run into bad debt and hence the need to recover same. As Debt recovery agents, we have assisted financial institutions and private finance companies to recover millions in bad debts and assisting our clients to balance their exposures. We study local banking compliance rules and regulations; bankcustomer regulations; registration of securities at respective registries; and recovery and litigation proceedings at every level of the judiciary system.