Don’t panic
Dimension your debt and prioritise it
Never block communications with your creditors
At the same time, don’t let them bully you into agreements you can’t meet
Debt is not a crime, so never allow them to use police or any agency to bully you
Press for a repayment plan that gives you as much time as possible
Involve Lawyers; they are experts on buying time
Be sincere and truthful at all times to your creditors
Make payments no matter how little; keep repayments flowing
Never beg or ask for help; that’s for cowards. Keep pushing your plans and keep trying to grow revenue and income
Be like me; I’ve reduced my debt from N78m 24 hours ago to N72m
Smile, we plenty, no be only you.
Don’t beat me
Thanks
Duke of Shomolu
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Last modified: August 22, 2026
