Business

Pay What You Owe: A Letter to Loan Defaulters

A powerful, heartfelt call to loan defaulters and those operating with lack of integrity in business with regards to lending and borrowing: repay what you owe not out of fear, but for honor, peace, and restoration. #PayWhatYouOwe

Joyce Idanmuze

Apr 24, 2025 - 08:58

Apr 24, 2025 - 09:08

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Pay What You Owe: A Letter to Loan Defaulters

Pay What You Owe – A Final Plea to Loan Defaulters

Dear Debtor,

This open letter is not a blade of judgment, nor a thunderclap of wrath. It is a mirror held before your conscience—a gentle yet unyielding call to remember the sacred trust you embraced and the promise you sealed. It is written with the weight of truth, in the spirit of justice, and with the hope of restoration.

Debt Is a Covenant, Not a Gift or Donation

Debt is not a windfall, nor a gesture of charity to be swept under the rug or “under the blood”. It is not a fleeting favor to be forgotten. Debt is a covenant—a bond forged in trust, inscribed with your name, and anchored in mutual honor. When you signed that loan agreement and several rolled over offer letters—whether with a bank, a cooperative, a business partner, or a private licensed money lender—you entered a sacred pact. The funds you received were not yours to keep without reckoning. They were entrusted to you with expectation, with faith, with the understanding that you would uphold your word especially those who are clergies of religious institutions.

You knew this. So did we.

Yet now, your phone goes unanswered, your emails unreturned. You blocked the WhatsApp lines of the creditors. You weave tales of delay, sidestep with excuses, or vanish like a shadow at dusk. You sometimes adopt juju or voodoo to silence the creditors or debt collectors. Your silence speaks louder than words, but it cannot erase the truth: you owe. And what you owe must be repaid—not merely because the law demands it, but because it is right before God, humanity, and the ancestors who watch over us all.

The Spiritual and Moral Weight of Debt

Across cultures and faiths, debt carries profound significance. It is not just a financial transaction; it is a moral and spiritual obligation that binds the individual to the community, the present to the future.

From the Holy Bible

Romans 13:7-8 (TPT):
“So it is your duty to pay all that you owe... Don’t owe anything to anyone, except your outstanding debt to continually love one another...”
To pay your debts is to embody love and integrity—a reflection of your character in the eyes of God and man. Defaulting is not just a lapse; it is a betrayal of this divine call to honor.
Ecclesiastes 5:4-5 (NLT):
“When you make a promise to God, don’t delay in following through, for God takes no pleasure in fools. Keep all the promises you make to Him.”
A loan is a vow, as sacred as any pledge. To delay repayment is not mere procrastination—it is spiritual folly that risks divine displeasure.

More News:

Ms. Martha Nwaego (ED - Kreeno Consortium)

From the Holy Qur’an

Surah Al-Baqarah 2:282:
“O you who have believed, when you contract a debt for a specified term, write it down... and let not the witnesses refuse when they are called upon...”
The Qur’an underscores the gravity of debt, mandating clarity and accountability. To honor a debt is to uphold justice; to evade it is to defy this sacred ordinance.
Hadith (Sahih al-Bukhari 2289):
“Delay in payment by a wealthy man is injustice.”
If you have the means yet choose to withhold, you commit not just a personal failing but an act of oppression—an injustice that wounds the lender and the community.

From African Wisdom

Yoruba Proverb:
“Ẹni tí ó gbà owó gbàgbọ́n, kó má gbà gbẹ́.”
(He who borrows with wisdom must not repay with foolishness.)
In Yoruba tradition, debt is a sacred trust that binds the soul to honor. To default is to tarnish your name, inviting disgrace that echoes beyond your lifetime.
Igbo Philosophy (Omenala):
“Onye ji ego onye ozo, n’egosi na o n’eme anwansi.”
(He who holds another’s money and hides invokes misfortune.)
The Igbo worldview sees debt default as a spiritual transgression, a disruption of communal harmony that courts ancestral disfavor and generational unrest.
Akan Wisdom:
“Sika nti na wɔde bɛto adwuma.”
(Money is given to enable work, not to be hoarded.)
Among the Akan, borrowed funds are a tool for progress, entrusted with the expectation of reciprocity. To withhold repayment is to break this cycle of communal prosperity.

The Human Cost of Default

Beyond scripture and tradition, consider the human toll of your actions. The money you owe is not an abstract number—it is the lifeblood of businesses, families, and communities. It is the capital that fuels a small trader’s inventory, a cooperative’s expansion, or a lender’s ability to trust again. When you default, you do not merely delay a payment; you erode trust, stifle progress, and wound the collective good.

Think of the lender who extended credit in good faith, perhaps a small business owner like those KREENO Consortium serves. Your delay may force them to lay off workers, forego opportunities, or face their own financial ruin. Think of the community, where trust in lending—a cornerstone of economic growth—frays with every unfulfilled promise. In Nigeria, where access to credit is already scarce, your default tightens the noose on others seeking the same opportunity.

And consider yourself. Each day you evade your debt, you carry a burden heavier than principal and interest: the weight of dishonor. It shadows your reputation, strains your peace, and dims your future. As the Yoruba say, “Orúkọ rere sàn ju wúrà àti fàdákà lọ” (A good name is better than gold and silver). Why trade your integrity for fleeting gain? "Set aside your arrogance and the self-given titles—whether clergy, chief, or city big boy. In matters of debt, humility speaks louder than hierarchy. Let your integrity—not your image—stand tall.".. Dr Kreeno

Agent Naomi Okhai

A Call to Redemption, Not Retribution

This letter is not a threat, nor a prelude to shame. It is a trumpet sounding clarity—a call to rise above defiance and reclaim your honor. At Kreeno Debt Recovery and Private Investigation Agency, we do not seek your destruction; we seek justice, restoration, and the fulfillment of trust. Our mission, rooted in the Ojeagbase Code—Integrity, Transparency, Professionalism, Impact, Innovation, Community—guides us to approach you not as an adversary but as a partner in resolution.

Choose redemption today:

Acknowledge your debt. Contact us to discuss your situation. Silence solves nothing; openness paves the way.
Negotiate in good faith. Whether through a payment plan, partial settlement, or full repayment, show your commitment to honor. Kreeno’s automated systems can streamline flexible arrangements.
Act swiftly. The longer you delay, the heavier the consequences—legal, financial, and spiritual. Our FraudGuard tool flags evasion patterns, ensuring accountability.

If you choose peace, peace you shall have. Settle your accounts, and you restore not just your creditor’s trust but your own dignity. Repay principal and interest, and you reclaim your good name. No threats, no ultimatums—just the path to justice.

The Inevitability of Justice

But hear this: if you choose defiance, know that justice is relentless. At Kreeno, debt recovery is not merely our profession; it is our calling. We pursue what is owed with the precision of our AI-driven tools and the resolve of our investigators, trained to uncover hidden assets and navigate legal complexities (e.g., clergy cases in a church, April 16, 2025). We operate not out of malice but out of duty—to our clients, to the community, and to the principle that no debt can be erased by avoidance.

Justice flows like a river, strong and unyielding. It will find you—whether in the courts, through asset recovery, or in the quiet conviction of your own heart. Every naira, dollar, or dirham must be returned, for that is the law of fairness, the law of reciprocity, the law of life.

To the self-righteous clergy

sexual sin may cause scandal, but it is not a crime in the law except there is rape—debt default, financial fraud, and issuing dud cheques are. Preaching against lust whilst owing money without intent to repay is hypocrisy, not holiness. You can’t hide behind sermons and titles while dishonoring legal and financial obligations. God sees, and so does the law. True righteousness includes paying your debts—capital and interest. This is not about saving face; it’s about restoring honour. Justice is near, and it will speak where your silence has screamed.

Read More:

Agent Karl Anderson (KREENO USA)

A Final Plea: Repent. Redeem. Restore.

This is your kairos moment—your appointed time to choose what is right over what is easy. Let today be the day you shift from resistance to redemption. Repay what is due, not out of fear of pursuit, but out of reverence for honor and the enduring dignity of your name.

In that sacred act, you will find peace with your creditors, healing in your community, and favor before both heaven and the ancestral spirits who still walk with us.

As our Igbo elders say, *“Ego ji akwu, o kwuo ugwo”*—Money held in trust must pay its debt.

Let your decision mirror wisdom, not folly; integrity, not evasion. Let your conscience speak louder than excuses. "And remember—yes, remember—that the Holy Scriptures declare: 'The wicked borrows and does not repay.' (Psalm 37:21) It is not just financial irresponsibility; it is spiritual corruption. To borrow with no intention to repay—especially when you cloak your refusal with flimsy excuses, or worse, because you think you ‘know’ the owners of the business—is not familiarity; it is WICKEDNESS in capital letters! It is dishonor before God, disgrace before men, and a curse upon your own integrity. Do not wear wickedness like a badge of cleverness. Repent. Redeem. Restore."

Yours In His Eternal Service

Dr. Ohio O. Ojeagbase, FICA, FIDR
Chief Private Investigator / Director General
KREENO Debt Recovery & Private Investigation Agency (Kreeno Consortium)
An arm of KREENO HOLDINGS LLC, USA // Coalition Against Financial Fraud Initiative In Africa (CAFFIA)

Principal + Interest = Honour.
Repent. Redeem. Restore.

With lawful insistence and hopeful expectation,
KREENO Debt Recovery & Private Investigation Agency (Kreeno Consortium)
Serving justice, restoring trust—on behalf of a global community that still believes in right over wrong

About Kreeno Consortium
Kreeno Debt Recovery and Private Investigation Agency, guided by the Ojeagbase Code, is committed to recovering what is owed with integrity, transparency, and professionalism. We leverage cutting-edge technology (e.g., EmoRisk, RiskHR, FraudGuard and KreenoX AI) and ethical practices to restore trust and empower communities across Nigeria and beyond.

Follow Us:
TikTok/X/IG: @kreenoholdings
LinkedIn: linkedin.com/company/kreeno-holdings
Hashtag: #PayWhatYouOwe

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When Papa Did Not Write It Down

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Joyce Idanmuze Joyce Idanmuze is a seasoned Private Investigator and Fraud Analyst at KREENO Debt Recovery and Private Investigation Agency. With a strong commitment to integrity in business reporting, she specializes in uncovering financial fraud, debt recovery, and corporate investigations. Joyce is passionate about promoting ethical business practices and ensuring accountability in financial transactions.