Recover Your Money
Someone owes you money?
Handle it professionally.
Turn WhatsApp chats, invoices, receipts and screenshots into a structured recovery case. Send a formal payment notice. Track your debtor's response. Offer a payment plan. Escalate to a verified lawyer only if you must.
Recovery case
₦ 350,000
Outstanding · owed by Chinedu O.
Formal Payment Notice
"This is a formal notice regarding the outstanding balance of ₦ 350,000 due since 15 July 2026…"
Debtor status
Opened notice
Evidence
7 files
Who this is for
Whatever the debt is, SettleMe handles it.
Unpaid invoices
Freelancers, agencies, contractors, service providers.
Loans between people
Friends, family, business partners, cooperatives.
Deposits held back
Landlords, event vendors, buyers, agents.
Rent arrears
Landlords chasing tenants who won't pay.
Delivered goods, unpaid
Traders, suppliers, wholesalers.
Broken business deals
Partnership money, refunds, cancelled orders.
The recovery flow
Four steps. One outcome.
- 01
Tell us what happened
Who owes you? How much? When were they supposed to pay?
- 02
Upload your evidence
WhatsApp chats, invoices, receipts, contracts, photos.
- 03
Send a professional notice
Demand letter, private debtor portal, payment link, instalment proposal.
- 04
Get paid or escalate
Receive payment, accept a plan, or invite a verified lawyer.
What's in a case
Everything a lawyer would give you.
Without the retainer.
Professional payment demand notice
Formatted PDF. Sent by email or WhatsApp.
Private debtor settlement portal
One link. Your debtor can view, respond and pay.
Recovery timeline
Every action, message and view — timestamped.
Recovery Pack PDF
Notice, evidence and communication log in one file.
Evidence organisation
Chats, invoices and receipts, neatly indexed.
Payment proposal manager
Accept, counter or reject instalment offers.
Verified lawyer access
Escalate to a real, verified professional if you choose.
Case tracking until closed
Watch the case move from Sent → Viewed → Paid.
Next time, prevent it
Create a simple agreement
before work starts.
Every SettleMe agreement is signed by both parties and stored as evidence — so if things ever go wrong, your recovery case is already built.