A Debt Recovery Lawyer, Coach and Credit Analyst helping Moneylenders, Finance Providers and Businesses recover monies faster, avoid bad debts, and transform financial struggles into sustainable cashflows!

Here is what I know for sure!

To remain in Business you need two life wire

'Customers and Cashflow, customers bring in the 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!

“Cash flow is king, customer is the queen, and they both rule the business kingdom” ~ Precious Toju, Esq.

MEET PRECIOUS TOJU
“The Queen of Debt Recovery”

Precious is an award-winning Business and Debt Recovery Lawyer, Insolvency Specialist, Certified Financial and Credit Analyst.

She is also a Mediator, Corporate Trainer, Coach and Author.

Precious helps lending companies and business owners solve debt problems, recover their monies from customers and build a stronger, more profitable businesses that is legally secured and well-structured.

Who She Works With:

➡ Moneylenders: Precious coaches and guides micro-moneylenders on how to set up their businesses properly, operate profitably, avoid legal pitfalls, and handle debt recovery with confidence.

➡ Finance Providers: She delivers practical solutions to recover funds, reduce credit risks, and create strong credit policies to drive sustainable business growth.

➡ Struggling and Underperforming Businesses: Precious provides restructuring services that help businesses bounce back from financial challenges and achieve long-term stability and success.

So, whether it’s debt recovery, financial growth, or credit risk management, Precious Toju is dedicated to helping businesses turn their 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.