A Business & Debt Recovery Lawyer helping Moneylenders, Finance Providers and Professionals recover debts faster, reduce bad loan risks, and turn financial struggles into sustainable and profitable cashflow.

Here is what I know for sure!

The main goal of Every Lending Business is to reduce risk and stay profitable

To ensure this, two Lifeline must co-exist; Customers and Cashflow

When debt occur, you have to balance retaining customers with maintaining cash flow

How to ensure this delicate balance is the solution I provide!

“Cashflow is the heartbeat of moneylending, but when it’s blocked by unpaid debts,
the whole system weakens. My job is to help you ensure the flow” ~ Precious Toju, Esq.

👑Meet Precious Toju, Esq.
“The Queen of Debt Recovery”

Precious Toju is an award-winning Business and Debt Recovery Lawyer, Certified Credit Analyst, Insolvency Specialist and a Moneylending Coach — helping Lenders, Finance Providers, and struggling businesses recover debts faster, reduce bad loan risks and build a sustainable, legally secured financial systems.

She is also a Global Mediator, Corporate Trainer and the author of A2Z of the Business of Moneylending – the only comprehensive book on how to start, scale and run a legally protected and profitable moneylending business!

Who She Works With:

Moneylenders
Precious coaches private and micro moneylenders on how to structure legally, lend profitably, avoid legal pitfalls and recover debts confidently.

Finance Providers (MFBs, Fintechs, Banks)
She offers tailored solutions to help finance institutions recover overdue funds, reduce credit risks, and build strong internal credit policies that support growth.

Struggling & Underperforming Businesses
Through strategic restructuring, she helps distressed businesses bounce back from financial crisis and achieve long-term profitability and legal security.

The Mission

Whether it’s debt recovery, financial turnaround, or credit risk management, Precious helps lending companies and business owners turn financial challenges into opportunities for success.

Precious is a goal-getter and a disciplined practitioner. She’s proactive and always a step ahead when it comes to delivering results. Her work ethic is impressive, and I admire her dedication.

Mrs. Boma Etim-Umoh

CEO, Lowian Enterprises

Precious and her team are swift, professional, and fearless when handling disputes, yet they manage to remain diplomatic. She’s very attentive to her clients’ needs and ensures she understands their plans and goals. If you’re looking for someone who combines professionalism with a client-focused approach, Precious is the one to call.

Engineer Henry Adebamah

CEO/MD, Oyaaksi Engineering Limited

Precious has built a structured team that works seamlessly to meet client needs. She’s incredibly committed not only to her clients but also to the referrals I’ve sent her way. With her, I feel safe and well-supported. Her dedication to excellence is truly commendable.

Mr. Beckley Akora

CEO/MD, Ascend Global Investments Limited

“Debt Recovery means two things! To a Creditor, it is to recover the debt owed and to a Debtor, it is to recover from the debt owed “ ~ Precious Toju, Esq.

The Queen of Debt Recovery

Proven Debt Recovery Results

Precious has helped finance providers and businesses recover millions in debts, while setting up systems to prevent bad debts and future losses. She has also successfully managed debts in millions owed by both individuals and businesses.

Featured in top media outlets, Precious stands out for her straightforward approach, giving lenders and business owners’ practical tools to manage business relationships, reduce high default rates, and improve cash flow.

With her DIY Debt Recovery Frameworks, Precious helps her clients build the right systems, structures, and strategies to tackle debt issues independently and confidently, without making costly legal mistakes, saving time, resources and boosting profits.

She will guide you in discovering unique debt recovery techniques tailored to your business type, customer base, and clientele, so that you can have a more productive, proactive, and successful debt recovery process.

“Credit is life! Every business must learn how to use Credit Policy to avoid bad debt and increase business growth” ~ Precious Toju, Esq.

Credit Analyst par Excellence

Proactive Credit Risk Management

With years of hands-on experience, Precious understands that micro-lenders, finance providers, and small businesses are often at the risk of making costly credit mistakes.

That’s why she creates proactive credit processes to help them:

➡ Assess their customers’ creditworthiness properly, reducing late payments and high default rates.

➡ Implement credit policies into their everyday transactions, to minimize risks and ensure steady cash flow and profits.

Having worked with hundreds of companies using her unique DIY Debt Recovery Framework, Precious is passionate about helping micro-lenders, finance providers, and business owners save time, money, and resources while protecting their reputation.

Her focus is on reducing expensive debt recovery processes and fostering better business relationships through proactive credit risk management.

“Disputes are inevitable! A smart business owner will resolve disputes amicably to save time, resources and preserve business relationships” ~ Precious Toju, Esq.

A Global Mediator

Strategic Conflict Solutions

As an accredited global mediator, Precious is an expert in conflict management, both in business and the workplace.

She provides innovative and strategic solutions to resolve disputes related to money and debt quickly, amicably, and cost-effectively.

Precious also uses technology to deliver legal, training, and coaching services to clients worldwide, making her expertise accessible anytime, anywhere.

Coaching & Training Expertise

Debt Recovery

Credit Risk Management

Mediation Dispute Resolution

HER W.H.Y

Having worked with hundreds of small lenders, finance providers, businesses across various sectors and countries, Precious discovered that many bad debts stem from poor credit structures caused by lack of basic knowledge and awareness.

This realization led her to create coaching programs and training systems to help businesses:

➡ Identify the root causes of bad debt.

➡ Build credit processes to avoid future risks.

➡ Manage financial distress from the grassroots.

Her mission is to equip lenders and businesses with the tools and knowledge they need to run successful operations, avoid recurring bad debts, and bounce back from financial setbacks.

It’s time to simplify debt recovery and credit risk management for your business!

READY TO GET STARTED?

A Thought Leader

LEADERSHIP AND IMPACT

Precious is the Principal Partner at Livingspring Solicitors, where she leads the Debt Recovery and Dispute Resolution departments. She is also the founder of the LIS School of Business Recovery Ltd, Africa’s first Business Rescue Specialist Academy, dedicated to helping finance providers, professionals, SMEs, and credit consumers tackle debt and credit challenges.

Through online courses, masterclasses, and corporate training, Precious has empowered hundreds of businesses to:

➡ Resolve debt issues efficiently.

➡ Build sustainable credit systems.

➡ Avoid financial pitfalls and scale profitably.

She is a highly sought-after lawyer, corporate trainer, and coach, known for her expertise and a professional at its peak.

DO YOU WANT TO LEARN MORE ABOUT ME?

Let’s keep it short and simple here!

MY MISSION & VISION

I am simply here:

Vision:

To empower 1 million business owners with the knowledge and tools to independently and confidently tackle debts, retain customers and experience continuous cashflow.