Recovering debts across borders is a complex and often time-consuming process made even more challenging when creditors must navigate the provisions for the lawful recovery of debts. With the rise of globalization, cross-border and local trade, the demand for financing has risen thus making debt recovery a growing concern for both local and foreign lenders. While Nigeria offers vast investment opportunities, understanding the local legal framework is essential for creditors seeking to protect their interests and recover outstanding debts.  This article explores how creditors can pursue debt recovery successfully.