Debt Collection in Cameroon: An Overview

Debts are a common issue in Cameroon, with debt collectors playing an important role in collecting outstanding debt from debtors. debt collection is regulated under the Cameroonian Civil Code and debt collectors must follow certain procedures when attempting to collect debt from debtors. This article provides an overview of debt collection in Cameroon and how debt collectors operate within the country. 

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The Legal Framework for Debt Collection 

In Cameroon, debt collection is regulated by the Civil Code which requires all debt collectors to be licensed. The licensing requirements include having a valid identity card, a valid residence permit, and being registered with the Ministry of Justice. Debt collectors are also required to adhere to certain procedures when attempting to collect debt from debtors. These procedures include sending formal notices to debtors informing them of their obligation to pay back the debt and providing details on how they can do so. If negotiations fail, debt collectors may take legal action against debtors in order to recover the money owed. 

Debt Collection Practices 

When it comes to collecting debts in Cameroon, debt collectors typically utilize a variety of methods depending on the situation. These can range from informal letters sent directly to debtors or through third parties such as family members or employers, visits to debtor's homes or workplaces for direct contact, using third-party services such as skip tracing or legal proceedings where necessary. Debt collections agencies often use aggressive tactics when collecting debts from individuals and companies, including threatening debtor legal action if payment is not made promptly.  

The Role of Credit Bureaus 

Credit bureaus play an important role in helping creditors assess potential risks associated with lending money and they also provide information on existing bad debt cases that have been reported by lenders or creditors. Credit bureaus maintain records of credit histories for individuals and companies across all sectors and regions in Cameroon which helps lenders assess potential risk levels associated with lending money out. In addition, credit bureaus also help encourage consumer compliance with payment terms by providing lenders with updated information on delinquent accounts that could affect their decision-making process when assessing loan applications.  


Debt collection is an important part of doing business in Cameroon as it helps ensure that debts are repaid efficiently and effectively. Understanding the legal framework for debt collection as well as different methods used by debt collectors can help creditors protect their interests while ensuring that their customers remain compliant with their payments terms. Credit bureaus also play an important part in helping creditors assess risk levels associated with lending money out as well as encouraging consumer compliance with payment terms due on loans granted out by lenders or creditors.