Debt recovery Case Study #031: $150,000 Property Investment The client and the debtor had been friends since secondary school. When the debtor shared an exciting opportunity to invest in a property abroad, the client agreed to lend him SGD $150,000 to secure the deal. The debtor assured the client that the investment would yield high returns, allowing repayment within two years. Trusting their friendship, the client did not draft a formal contract. Two years later, the debtor informed the client that the property’s value had plummeted due to unforeseen market changes. He claimed he could not repay the loan. The client’s attempts to recover the funds only led to arguments and estranged their friendship. Turning to JMS Rogers, the client hoped to find a resolution. Our team traced the flow of funds and verified the loan’s purpose. JMS Rogers conducted numerous field visits to meet with the debtor and stressed the importance of accountability. These visits showcased the seriousness of the situation and served as a powerful reminder of the debtor’s obligations. They also provided an opportunity to assess the debtor’s financial standing, revealing that while he faced challenges with his overseas investment, he still possessed other assets that could be leveraged for repayment. Engaging the debtor diplomatically, JMS Rogers negotiated a repayment plan that balanced his financial capacity with the client’s needs. Over three years, the debtor repaid the loan in full, restoring financial peace for the client. What can we learn from this? Thorough Due Diligence is Essential: Relying solely on trust can lead to financial losses. JMS Rogers helps verify the legitimacy of financial arrangements. Effective Mediation Prevents Escalation: JMS Rogers’ involvement ensured a solution without further damaging relationships. Field Visits Reinforce Accountability: On-site assessments and presence during field visits played a vital role in achieving a successful repayment strategy. Read more : https://www.jmsrogers.com/

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