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PUT THAT AGREEMENT IN WRITING A deal you cannot properly prove can become a deal you may struggle to enforce. Never ever underestimate the power of a written arrangement. An old Chinese proverb says the faintest ink is more powerful than the strongest memory. Always insist on having your property and business agreements put into writing, drafted by a Property and Business Lawyer, reproduced in original copies, signed and distributed amongst persons involved. Don't be penny wise, pound fo.olish. Imagine discovering serious issues after paying millions of Naira. What if the other party denies the deal? Without proper documentation, proving what was agreed can become difficult, expensive and time-consuming. A written agreement helps establish the parties' identities, their duties, the agreed payment, the nature of the transaction and the consequences of a breach. Remember that a document is only as useful as its contents and legal validity. That is why legal guidance matters. So as you go about your property and business investments, avoid oral agreements. Put pen to paper so that when issues arise, it doesn't end up becoming your word against theirs. At Apex Chambers, we believe that a properly documented transaction can save you from an avoidable legal battle in the future. Before you have an agreement, consult a Property and Business Lawyer to prepare a written Agreement/Contract. Your interests deserve protection. Your agreements deserve proper documentation. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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DO YOU HAVE YOUR PERSONAL LAWYER? Most times legal problems arrive quietly; in a document you signed, land/building you paid for, Contract/Agreement you trusted or a transaction you thought was straightforward. So waiting until trouble starts before getting a Lawyer can be a big mistake. A Legal Retainer creates an ongoing professional relationship between you and your Lawyer. So instead of searching for legal help when a problem has already started, your Lawyer is there to advise you, review documents, identify risks and handle legal matters as they arise, within the agreed scope. Imagine you want to buy land/house in Nigeria. Before you pay, the Lawyer will investigate the ownership, examine the relevant documents, conduct proper due diligence, check for existing interests or issues affecting the property and ensure the transaction is well documented. This also applies to business. Contracts, leases, partnerships, transactions, regulatory matters and commercial dealings should not be handled on a “let us see how it goes” basis. A good Lawyer will not merely fight your battles after they begin; he will help you avoid wahala. Whether you are in Nigeria or in the diaspora, if you own property, invest, develop or operate a business in Nigeria, having a trusted Property and Business Lawyer on retainer will give you early and sound legal guidance. Apex Chambers advises that legal protection begins before there is a problem. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN BUYING LAND/BUILDING, MAKE A REGISTERED SURVEY PLAN BEFORE PAYING A Survey Plan is a land document that contains an accurate size, description, location and boundary of land. Knowing the true size and exact location of land is important. The Survey Plan shows your boundaries on all sides and fully captures your name and access roads of the land. Engage the services of a licensed Surveyor and ensure the Survey Plan is registered with the State Ministry of Lands and Survey. A Property and Real Estate Lawyer will help you confirm if the Survey Plan is truly registered. An unregistered Survey Plan is called a Site Plan. It is of no use and is as good as not making a Survey Plan at all. Avoid unlicensed Surveyors and quacks in survey, as they will charge you less, but at the end you have done nothing. If what you end up with is an unregistered Survey Plan, then be sure that you do not have a Survey Plan at all. There are no short cuts here, so do not cheat yourself. Note that the Deed of Conveyance or Deed of Transfer (legal documents of transfer of ownership of land or house) will make reference to the details in the Survey Plan. If the Survey Plan turns out to be invalid for not being registered, the transfer document is invalid as it cannot stand on its own. You can't base ownership on an invalid document. It doesn't work that way. Be wise. Buy smart. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN BUYING LAND/BUILDING IN NIGERIA, CONSULT A LAWYER Before you pay for land and/or building in Nigeria, let a good Property and Real Estate Lawyer confirm that you are buying it safely? Buying land/house is a big financial decision, yet many buyers spend weeks negotiating the price but fail to spend a few hours with a good Property Lawyer. This mistake has left countless people with fake documents, disputed ownership, court cases and painful financial losses. A property transaction is far more than paying money and collecting papers. The real question is: are you buying a property that the law recognizes as yours? A good Property and Real Estate Lawyer protects you even before you pay. He will verify ownership, investigate the property's history, identify hidden legal problems, draft/prepare the right legal documents and ensure the transaction complies with law. Whether you are in Nigeria or in the diaspora, never assume that because a land/house looks genuine, it is legally safe. A convincing seller, a trusted agent or impressive documents are not substitutes for proper legal due diligence. The cost of engaging a Lawyer is little compared to the cost of buying the wrong land/building. Once your money is gone, recovering it can be difficult or impossible. At Apex Chambers, we advise that the safe property purchase is the one backed by sound legal guidance from the very beginning. Before you buy any land or house in Nigeria, consult a sound Lawyer. Avoid wahala. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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THE NEED FOR CONSUMER VIGILANCE Every day, millions of Nigerians buy goods and pay for services, yet many do not realize that one careless decision can lead to losses, frustration, safety risk or fraud. This is why you need consumer vigilance. Consumer vigilance means being alert, informed and proactive when buying goods or engaging services. It is the habit of asking questions, checking details and refusing to be rushed into decisions that could affect your interests. A vigilant consumer reads labels, compares options, verifies claims and pays attention to the quality and authenticity of what is being offered. In today's world, many sellers do not play fair. Some businesses use misleading advertisements, hidden charges, exaggerated promises or deceptive practices to attract unsuspecting buyers. Without vigilance, a consumer can easily fall into these traps. Being vigilant means carefully examining what you are paying for, confirming that the product or service matches what was advertised, ensuring the service provider is credible and keeping records of payments and agreements. It means knowing your rights and refusing to accept unfair treatment. Consumer vigilance is not just caution; it is legal empowerment. It protects your money and your rights and ensures that every transaction you make is fair, transparent and worth your hard-earned money. In our modern world full of offers and promises, vigilance is the smart consumer's best move. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHY YOU NEED A BUSINESS LAWYER IN NIGERIA One sure way to lose money in business in Nigeria is to operate without proper legal protection. Many entrepreneurs focus on profits, marketing and expansion, but ignore the indispensable help of a Business/ Corporate/Commercial Lawyer to protect the foundation of their business. When you register your business, there are legal structures, compliance duties, Agreements and regulatory requirements that must be handled correctly. One mistake in a contract, partnership or business can lead to issues, penalties or even the collapse of the business. A skilled Lawyer ensures that your business Agreements are properly drafted and legally enforceable. Whether it is a Partnership Agreement, Shareholder Agreement, Service Contract, Supply Agreement or investment deal, proper documentation protects your interests. Compliance is another reason you need a Lawyer. Businesses must comply with regulatory requirements involving taxation, corporate governance, employment matters, anti-money laundering regulations and industry-specific laws. Failure to comply can lead to heavy fines, freezing of accounts or investigations. A Lawyer also plays a big role in risk management. Before entering major transactions or investments, a Lawyer conducts legal due diligence to identify liabilities and risks that could damage your business. Prevent legal problems before they arise instead of reacting to them. Build strong legal foundations. __________________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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STAMP DUTY ON LANDED PROPERTY A land/building purchase is not truly complete the day you pay for it. One important step that many land buyers in Nigeria ignore is the payment of Stamp Duty on the land or building purchase documents. Stamp Duty is tax paid to the Government on documents used to transfer ownership of land or building. It may look like a small administrative step, but legally it is very important. Once your land purchase document is properly stamped, it strengthens your ownership rights and gives the document full legal recognition. An unstamped land document has very weak legal value in court. If a dispute arises and your document was not stamped, the court will not accept it as proof of ownership of the land. Instead, the court will merely treat it as evidence that money was paid. So the land document may only serve as a receipt for payment, not as proof that the land legally belongs to you. Another issue is delay. Stamp Duty is expected to be paid within the time allowed by law. When buyers delay this process for years, penalties are imposed for every year of delay. This can make the cost far higher than it should have been. So wisdom demands that you get a Property Lawyer to handle your land documentation and process the Stamp Duty early. An experienced Lawyer will ensure that your land documents are correctly stamped, legally recognized and strong enough to defend your ownership rights if any claim arises. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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POWER OF ATTORNEY A Power of Attorney is a legal document that allows another person to step into your shoes and act as if they were you. But it should be carefully prepared. By signing a Power of Attorney, you authorize another person to make decisions or carry out specific acts on your behalf. Depending on the powers you grant, that person may deal with your property, business or other important matters. That is why every Power of Attorney deserves careful attention. A Power of Attorney may be revocable or irrevocable. A Revocable Power of Attorney can be cancelled with a well prepared Deed of Revocation. But an Irrevocable Power of Attorney, if granted in exchange for something valuable (like money), may not be easily withdrawn just because you have changed your mind. So do not assume that every Power of Attorney offers the same level of legal protection. It does not. A poorly drafted document can give away more authority than you intended, expose your assets to unnecessary risk or trigger expensive legal issues. Before granting or accepting a Power of Attorney, consult a reliable Property and Business Lawyer. The right legal help ensures that the document reflects your intentions, protects your property and business interests and eliminates mistakes. Whether you are in Nigeria or abroad, get a Lawyer to prepare a legally sound Power of Attorney that gives you maximum legal protection. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WANT TO BUY LAND/BUILDING IN NIGERIA? GET A PROPERTY LAWYER The land documents looked genuine and complete and the seller sounded convincing. Payment was made in full. Then the unthinkable happened. Another man appeared claiming ownership. Then a Government notice surfaced. The land turned out to be under acquisition and the “owner” had already sold the same property to many buyers. What looked like a good investment became a legal crisis. This happens every day in Nigeria. Buying land or house is a legal transaction and the law does not protect carelessness. Too many buyers rely on agents, relatives, assurances or unverified documents without getting an experienced Property and Real Estate Lawyer to properly investigate the transaction first. A receipt is not proof of ownership and a survey plan alone proves nothing. Even genuine-looking documents can have serious legal issues, pending disputes, forged signatures, unpaid Government fees or other ownership problems capable of nullifying the entire transaction. So get a Property Lawyer before payment, not after wahala comes, to conduct due diligence (checks), verify ownership, search Government records, investigate fully, review ownership history, identify risks most buyers would never detect on their own and prepare the right purchase documents. For Nigerians in the diaspora, distance creates vulnerability and many have lost properties back home because they trusted the wrong people. Buy smart. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHY EVERY BUSINESS PARTNERSHIP AGREEMENT MUST BE IN WRITING Many business partnerships start with trust, big mutual goals and oral agreements. As Nigerians, we have the habit of letting our guards down because of our relationship. We quickly forget the saying "no paddy for jungle." No matter how close you are to your partner: friends, family or long-time colleagues, operating without a written Partnership Agreement is a big mistake. That trust could be breached and you will end up regretting, by then it would be too late. Without a clear written agreement, disagrements can arise about roles, profit sharing, rights, duties, authority, capital contributions, mode of exit, etc. Sadly, disputes may lead to business failure, issues or monetary losses, e.g. if one partner invests more capital but the other claims equal ownership or if a partner exits without a clear plan, the business could collapse. If liabilities arise, your personal assets could be at risk. A written agreement states each partner’s rights and duties, ensuring fairness and smooth operations. Without a written Partnership Agreement, partnership laws may apply, which may not align with your intentions. Get an experienced Business/Corporate Lawyer to draft a legally sound agreement that suits your business' needs and anticipates risks, protects your interests and ensures the partnership agreement can be enforced by you. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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GET A PROPERTY AND BUSINESS LAWYER TO WRITE YOUR WILL Many people postpone writing a Will thinking it is only for the wealthy or elderly. A Will is a necessary legal document any adult should have to protect his/her loved ones and ensure his/her wishes are respected after passing on. Whether you have high net worth or modest assets, writing a Will gives you control over what happens to your property when you are no more. Without a Will, your assets will be distributed according to laws, not your wishes. This mostly leads to family disputes, delays and sometimes total loss of property due to legal battles. By writing a Will, you state who will inherit your house, land, cars, money and business and who will act as guardian to your underage children. You express personal wishes and appoint trusted persons to faithfully implement your Will. At Apex Chambers, we have seen several painful cases where persons who worked really hard to acquire properties failed to write a Will. Their loved ones were left struggling, facing unending court issues and losing properties to distant relatives or opportunists. A properly written Will prevents all that and brings order to your family when they need it most. If you are in Nigeria or living abroad and have assets, dependents and family, engage an experienced Property and Business Lawyer today to prepare your Will and legally secure your legacy. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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YOU NEED DUE DILIGENCE IN LAND/BUILDING PURCHASE TRANSACTIONS IN NIGERIA Nobody plans to buy land/building that is in dispute. Nobody plans to pay millions of Naira for land that is already under Government acquisition. Nobody expects another person to appear with older documents claiming ownership. Yet these things happen every single day because people confuse buying land/house with paying for it. Payment of money does not transfer ownership of land/building. The right legal process does. Before you pay for a land/building, a good Property/Real Estate Lawyer should investigate the ownership history, confirm that the seller has the legal right to sell, verify the survey and coordinates, search relevant Government records, check for legal problems and draft/prepare documents that protect your land/building ownership. The most expensive mistake in a land/house transaction is paying for a property that you should never have paid for. Whether you live in Port Harcourt, Lagos, Abuja, London, Texas or Toronto, never buy land/building in Nigeria on trust, emotions or appearances. Buy on verified facts. At Apex Chambers, we believe that a successful property transaction is not measured by the day you make payment, but years later, when your ownership remains secure, unchallenged and protected. Before you buy land/building, let a sound Property Lawyer buy you peace of mind. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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EMBRACE CONTRACT REVIEW Many people sign Contracts/Agreements without first understanding what it truly means. This error has destroyed businesses, ruined investments and tied people down in Agreements they never actually intended to make. A Contract/Agreement is a legal document that defines rights, duties, risks and consequences. Cunning clauses, unclear duties, harsh penalties or cleverly worded traps can quietly shift the advantage to the other person. Due to freedom of contract, once you sign, the law will generally hold you to every word contained in that Agreement. This is why contract review by an experienced Business/Corporate, Property and Real Estate Lawyer in Nigeria is an important layer of protection. A competent Lawyer carefully examines the contract, identifies unfavourable clauses, clarifies obligations, negotiates better terms and ensures the document truly protects your interests. Do not consult a Lawyer only after an issue has arisen. At that point, the damage may already have been done. Prevention is always far cheaper than litigation. Whether it involves land, property transactions, construction projects or business ventures/partnerships or tenancy, professional contract review helps you understand exactly what you are committing to before you fix your signature. A contract should protect you, not trap you. The smart thing to do is to let an experienced lawyer review it before you sign. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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LET A PROPERTY BE YOUR PROPERTY/ESTATE MANAGER Your building is very valuable, but without proper management it can become a huge source of stress, disputes and financial loss. Property/Estate management in Nigeria is far safer, smarter and more profitable when handled by an experienced Property and Real Estate Lawyer. Many Landlords/Landladies assume that anyone can manage a property, but estate management goes far beyond collecting rents. It involves enforcing tenancy rights, ensuring legal compliance, resolving issues, handling difficult Tenants and protecting the Landlord from mistakes. A Property and Real Estate Lawyer has the legal training and professional experience to properly manage these duties. A Lawyer understands the laws regulating tenancy, knows how to prepare comprehensive and enforceable Tenancy Agreements and quickly take the right legal steps when tenants default, refuse to pay rent, damage property or violate other terms of their tenancy. A Lawyer ensures that your building remains fully compliant with relevant laws and regulations. This protects you from legal exposure and protects your property investment. Effective estate management involves protecting and improving the long-term value of your property. When a Lawyer manages your property, new tenants are properly screened, disputes are professionally handled and your building is maintained in a way that preserves its value and profitability. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHAT IS A DEED OF CONVEYANCE? The moment money is paid for land and/or building, an important question becomes: who now truly owns the property? In Nigerian property transactions, the document that clearly answers this question is the Deed of Conveyance. A Deed of Conveyance is a legal document used to transfer the ownership of land or building (that has no C of O) from seller to buyer for an agreed price. It is the document with which the seller passes his ownership rights and interests in a property to the buyer. Without this document, a buyer may pay millions of naira and still lack legal proof that the property belongs to him. Payment alone does not transfer ownership of land. A Deed of Conveyance is what legally moves the property from vendor to purchaser. It is a land/building buyer's proof of ownership. It contains details such as the description of the land/ building, agreed purchase price, names of the parties and a declaration that the seller is transferring ownership to the buyer. Once properly drafted, signed, witnessed, stamped and registered, it becomes legal evidence of ownership. A poorly drafted Deed of Conveyance document can create loopholes, issues and even loss of property by the buyer. That is why an experienced Property Lawyer must handle the drafting to ensure the buyer’s ownership is properly secured. In property transactions, a Deed of Conveyance is the legal bridge that firmly moves ownership from the seller to the buyer. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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HOW TO BECOME A LEGAL GUARDIAN IN NIGERIA Becoming a legal guardian in Nigeria is not as simple as just taking care of a child, ward or dependant. It is a legal duty that must be recognized by the Family Court. Many people assume that once a child’s parents consent or are no more, guardianship automatically takes effect. Without a valid court order, your guardianship has no legal backing, no matter how noble your intentions are. To be a legal guardian, you must first apply to the Court, stating your relationship with the child and why you are suitable to act in that capacity. The Court will consider your character, financial ability, moral standing and the best interest of the child before making an order. Whether or not the child's parents are alive, the court will request supporting affidavits, medical reports, consent letters and welfare reports before making a decision. Missing one step can cause serious delays or outright rejection of your application. That is why you need an experienced Lawyer to help you. A Lawyer ensures that your application is properly prepared, complies with court rules and anticipates any objections that may arise. This takes care of future legal challenges like issues of custody, inheritance or traveling abroad with the child. At Apex Chambers, we assist clients in preparing proper guardianship applications, representing them in Court. Get legal guardianship done the right way with legal help that fully protects both you and the child. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WANT TO BUY LAND/BUILDING IN NIGERIA? GET A PROPERTY LAWYER The land documents looked genuine and complete and the seller sounded convincing. Payment was made in full. Then the unthinkable happened. Another man appeared claiming ownership. Then a Government notice surfaced. The land turned out to be under acquisition and the “owner” had already sold the same property to many buyers. What looked like a good investment became a legal crisis. This happens every day in Nigeria. Buying land or house is a legal transaction and the law does not protect carelessness. Too many buyers rely on agents, relatives, assurances or unverified documents without getting an experienced Property and Real Estate Lawyer to properly investigate the transaction first. A receipt is not proof of ownership and a survey plan alone proves nothing. Even genuine-looking documents can have serious legal issues, pending disputes, forged signatures, unpaid Government fees or other ownership problems capable of nullifying the entire transaction. So get a Property Lawyer before payment, not after wahala comes, to conduct due diligence (checks), verify ownership, search Government records, investigate fully, review ownership history, identify risks most buyers would never detect on their own and prepare the right purchase documents. For Nigerians in the diaspora, distance creates vulnerability and many have lost properties back home because they trusted the wrong people. Buy smart. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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COSTLY MISTAKES LANDLORDS AND LANDLADIES MAKE IN NIGERIA Many Landlords/Landladies in Nigeria lose out of getting full benefits from their rented houses because they repeat the same costly mistakes over and over again. Owning a building is one thing; managing it well is another. One of such mistakes is trying to manage their property by themselves without engaging an experienced Property Lawyer who understands tenancy laws, eviction procedures and how to structure and enforce rental terms to protect the Landlord’s interests. Without the right step, Landlords often run into issues with Tenants, some dragging on, even ending up in court. Another major blunder Landlords make is not having a comprehensive Tenancy Agreement. Many rely on verbal promises or forms downloaded online. This is dangerous. A proper Tenancy Agreement should state the rent amount, payment duration, default consequences, notice periods, the rights and duties of both Landlord and Tenant. It is the single document that determines who wins or loses if a dispute arises. Other common mistakes are failing to screen tenants, ignoring property maintenance and mixing business with emotions. A tenant-occupied property managed by a competent Property Lawyer helps a Landlord secure rental income, preserve the property and have rest of mind. A Landlord who ignores these legal steps is not managing property but gambling with his property. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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COMMON COSTLY MISTAKES LANDLORDS MAKE Our focus here is on the mistakes land and property owners make in tenancy and lease agreements. One of the biggest mistake is this: not having a written Agreement at all. It is something I can't seem to rationalize. Why would you make huge investments in real estate with the current state of the economy and rising cost of everything, bring in an occupant who pays rent to you and not have a Tenancy or Lease Agreement binding you two? I understand some property owners take that route to save cost or because he or she trusts the occupier to not disappoint. Very big mistake. Huge miscalculation. Take it from me: it doesn't end well. It's a time bomb waiting to explode. The issues surrounding tenancy and lease are too many and complicated to be left in the realm of oral agreements and trust. When issues regarding just about anything that relates to the tenancy or lease crop up, it's the Landlord's word against those of the Tenant. Chances are you will end up getting hurt. No two ways about it. In our 19 years experience in property law practice at Apex Chambers, this avoidable error keeps reoccurring. Don't fall into that error. First things first. Always remember, some mistakes are too costly to remedy. Have a properly worded and comprehensive Tenancy or Lease Agreement prepared by a Property/Real Estate Lawyer before the property is occupied. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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BUYING LAND OR BUILDING IN NIGERIA WITHOUT A PROPERTY LAWYER IS AT YOUR OWN RISK A man saw a nice piece of land in Port Harcourt. Very beautiful location. The price seemed fair and the seller looked trustworthy. Excited, he paid and got a Lawyer to prepare the purchase documents. He thought the deal was done. Fast forward to one year. He wanted to sell the land, only to discover that the person who sold the property to him was not the owner. The real owner was his cousin, who had already sold it to someone else. The Deed of Conveyance he signed was worthless. This happened because he avoided an important step: due diligence (investigation). In Nigeria, buying land without verifying ownership and legal history is an expensive error. A property may look perfect, but without proper checks, you could end up with excess legal trouble. Engaging an experienced Property and Real Estate Lawyer gives you the needed protection as he ensures the seller is the rightful owner, verifies land records, confirms there are no issues and prepares comprehensive Agreement. He will safeguard your property investment before you pay one Naira. He will help you avoid mistakes, making your property transaction smooth, secure and legally sound. Do not let excitement cloud your judgment. So before you buy land or house/building in Nigeria, consult a trusted Property Lawyer first. Your peace of mind depends on it. Avoid losing out. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN PAYING FOR LAND OR BUILDING IN NIGERIA IN INSTALMENTS, HAVE A CONTRACT OF SALE A Contract of Sale of Land is a written Agreement that clearly states the terms of payment, binds the seller to the transaction and protects your ownership rights as you pay over time. Without it, the seller can wake up one day, deny the deal, resell the property to a higher bidder or change terms midway. In Nigeria, this risk happens every day. A properly drafted Contract of Sale locks the transaction in place. It ensures that once you begin paying for the land/house, the seller cannot legally back out or deal with the property behind your back. It also defines what happens if either party defaults, giving you legal ground to enforce your property rights. Unfortunately, many people sign vague, downloaded or poorly written Agreements. That is a big mistake. A Contract of Sale of Land must be prepared by an experienced Property and Real Estate Lawyer who understands the traps, loopholes and the realities of land transactions in Nigeria. Engage a Lawyer early enough to conduct proper due diligence (investigation) before you pay any money. This is how hidden issues are discovered how your Sale Agreement is well structured to protect you from day one. This applies to persons in Nigeria and diaspora who want to buy land or building in Nigeria. __________________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN PAYING FOR LAND OR BUILDING IN INSTALMENTS, HAVE A CONTRACT OF SALE OF LAND Imagine making part payment for land/building only to wake up one day and find it sold to someone else offering a higher price. It sounds like a bad dream but it happens every day, because many buyers fail to make a Contract of Sale of Land. A Contract of Sale of Land is a written agreement between a land buyer and seller, stating that the buyer will pay in instalments, and ownership will be transferred once the payment terms are fully met. During this period, as long as the buyer keeps to the agreed terms, the seller cannot legally terminate the deal or resell the land to another person. This contract protects the buyer. It locks in the transaction and prevents a greedy seller from collecting a deposit from you and later backing out when he gets a better offer. Many buyers make the big mistake of waiting to complete payment before preparing legal documents. That delay is dangerous. So having a Contract of Sale of Land is very necessary. It gives you legal protection, payment structure and peace of mind. With a solid Contract of Sale, your property interest is protected from day one. It proves the deal exists, outlines your payment terms and ensures your land is secured while you complete payments. So get a Property Lawyer to prepare a Contract of Sale of Land for you. Secure land with law; not with trust. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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🇳🇬 HAPPY INDEPENDENCE DAY & HAPPY NEW MONTH OF OCTOBER 🇳🇬 As Nigeria celebrates 66 years of independence, we celebrate the courage, strength and determination for a better Nigeria. May October bring fresh hope, new opportunities, greater prosperity and sweet success to you, your family and your business. At Apex Chambers, Legal Practitioners, we remain committed to supporting people and businesses with sound legal guidance, protection and value-driven legal solutions as we build a better Nigeria together. May our nation grow and prosper. Happy Independence Day, Nigeria 🇳🇬 Happy New Month. _ APEX CHAMBERS, Barristers, Solicitors, Attorneys and Notary Public in Port Harcourt, Nigeria.
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5 REASONS WHY YOU NEED A PROPERTY LAWYER WHEN BUYING LAND/BUILDING IN NIGERIA One mistake in land/house buying transaction can make you lose your hard-earned money. This is why engaging a very experienced Property Lawyer is something you must do. These are 5 reasons why you must engage an experienced Property Lawyer early when buying land/house: 1. Comprehensive Due Diligence (findings): An experienced Property Lawyer verifies ownership, checks for issues, conducts thorough searches at the Land Registry and confirms documents, else you risk paying for a scam or Government-acquired land. 2. Proper Documentation: The Property Lawyer will draft/prepare land/building purchase documents (Deed of Conveyance or Deed of Assignment) and receipt and also review the Survey Plan and every document. Poor documentation can destroy your land/house ownership rights. 3. Fraud Detection: Land/building sale in Nigeria is filled with sophisticated scams. A Lawyer spots red flags instantly, so that you don't lose your money. 4. Negotiation Power: A Property Lawyer protects your interests during negotiations, ensuring you do not end up with unfavourable or one-sided terms. 5. Legal Protection & Peace of Mind: With a Lawyer, your transaction is structured to withstand disputes, litigation and future challenges. Without these you may end up with endless court cases or lose property due to avoidable mistakes. Get a Property Lawyer early to avoid issues. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN BUYING LAND/ BUILDING IN NIGERIA, LET A PROPERTY/REAL ESTATE LAWYER DO YOUR DOCUMENTATION You need a Property/Real Estate Lawyer when buying land/building. Every land document must be prepared by a Property/Real Estate Lawyer, or else you have nothing but a piece of worthless paper. You can not do it yourself. A Lawyer is in a better position to know the correct legal document to prepare. It could be a Deed of Conveyance, Transfer, Gift, Partition, Assignment, etc. Do not let legal fees scare you away and push you into the waiting hands of quacks. Business centres and agents will put you in trouble, run from them. Many land/house buyers have, to cut cost, fallen victim to the dishonesty of persons whom they trust, and had their fingers burnt. It is common for land/house buyers to engage Surveyors, estate agents, etc to secure the preparation of land documentation by a Lawyer. Such persons, fraudulently play smart, pocket more money and look for avenues to do shady legal documentation and end up undoing the buyer and pushing him into avoidable legal problems. It is either the right way or the wrong way. Do not leave your legal matters in the hands of non-Lawyers. Protect what is yours, have peace of mind. Many persons are suffering for the big mistake of thinking they could do what a Property/Real Estate Lawyer should do for them. Some things are not as simple as they seem. There are serious legal consequences. Prevention is better than cure. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHY A BUSINESS LAWYER SHOULD REGISTER YOUR COMPANY, BUSINESS, ASSOCIATION, SCHOOL, CHURCH, N.G.O Registering a company, association, organization school, church or NGO is not just about filling Corporate Affairs Commission CAC) forms. It is about laying a solid legal foundation that protects your vision, assets and future. A Business/Corporate Lawyer ensures that your legal entity is properly structured from day one. The right name search is conducted; correct objectives are drafted; the appropriate structure is chosen and legal compliance requirements are met. This prevents rejection, penalties, regulatory issues and delays. A Business Lawyer helps protect assets. Without proper legal guidance, you may unknowingly expose yourself to personal liability. A wrongly structured registration can blur the line between you and your business, putting your properties and investments at risk. Legal compliance builds credibility with clients/customers, banks, investors, partners and regulatory bodies, positioning your establishment for growth, funding opportunities and long-term success. Mistakes often happen when registration is handled casually or by non-professionals. Corrections can be expensive, stressful and sometimes impossible. Engage a Business/Corporate Lawyer to handle your registration professionally and strategically. Secure the future of your establishment from the start and prevent avoidable issues. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHEN MAKING A WILL, DON'T LET YOUR BENEFICIARY SIGN AS A WITNESS Before now we at Apex Chambers, best Law Firm of Property/Real Estate and Business/Corporate Lawyers and Attorneys in Port Harcourt, Nigeria, have emphasized the importance of writing a will, whether as a man or woman. Writing a will will help secure your legacy and make adequate provisions for your family, loved ones and charity. While making a will, ensure that a person you bequeathed (gave) any of your property in the will does not sign as a witness of that will. Witness requirements: Wills laws requires witnesses to the will to be impartial and unconnected to the estate and property of the person making the will. Conflict of interest: A beneficiary witnessing the will may raise questions about undue influence. Presumption of bias: There may be an assumption that the beneficiary-witness had an opportunity to influence the testator (person making the will). The law is that a beneficiary must not witness the will or he may lose the inheritance. Remember, the right thing to do when you want to make a will is to consult a very experienced Property Lawyer to draft for you a very comprehensive and legally fortified will. If you need help with writing a will or distribution of your property by way of Deed of Gift or any other property or inheritance matter, call, email or Whatsapp Apex Chambers, Port Harcourt, a physical and virtual/online Property Law Firm anyday, anytime and from anywhere in the world. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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A BENEFICIARY OF A WILL SHOULD NOT SIGN AS A WITNESS One way to lose an inheritance is to sign as a witness in a Will you are to benefit from. If you are named as a beneficiary in a Will, you should not sign as a witness to that Will. Doing so can deprive you of your benefit in the Will. Under Nigerian succession law, a witness to a Will is expected to be neutral and uninterested. The role of a witness is to confirm that the person making the Will signed the Will voluntarily and in sound mind. But when a beneficiary signs as a witness, it creates a conflict of interest. The law may presume undue influence or bias and the consequences can be terrible and the gift made to that beneficiary may fail. Imagine being entitled to a house, land, money or other property under a Will, only to lose it because you innocently signed as a witness. This error often happens innocently, during moments when merely want to “help." Anything that suggests manipulation, pressure or personal interest can invalidate the benefit given. A Will must be properly drafted and signed. Beneficiaries should stay away from the witnessing process. Let independent adults with no interest sign as witnesses. So protect your inheritance. Ignorance is not an excuse. Once a beneficiary signs as a witness, the damage may have already been done. Proper legal guidance makes all the difference. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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5 REASONS WHY YOU NEED A PROPERTY LAWYER WHEN BUYING LAND/BUILDING IN NIGERIA One mistake in land/house buying transaction can make you lose your hard-earned money. This is why engaging a very experienced Property Lawyer is something you must do. These are 5 reasons why you must engage an experienced Property Lawyer early when buying land/house: 1. Comprehensive Due Diligence (findings): An experienced Property Lawyer verifies ownership, checks for issues, conducts thorough searches at the Land Registry and confirms documents, else you risk paying for a scam or Government-acquired land. 2. Proper Documentation: The Property Lawyer will draft/prepare land/building purchase documents (Deed of Conveyance or Deed of Assignment) and receipt and also review the Survey Plan and every document. Poor documentation can destroy your land/house ownership rights. 3. Fraud Detection: Land/building sale in Nigeria is filled with sophisticated scams. A Lawyer spots red flags instantly, so that you don't lose your money. 4. Negotiation Power: A Property Lawyer protects your interests during negotiations, ensuring you do not end up with unfavourable or one-sided terms. 5. Legal Protection & Peace of Mind: With a Lawyer, your transaction is structured to withstand disputes, litigation and future challenges. Without these you may end up with endless court cases or lose property due to avoidable mistakes. Get a Property Lawyer early to avoid issues. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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BUYING LAND OR BUILDING IN NIGERIA WITHOUT A PROPERTY LAWYER IS AT YOUR OWN RISK A man saw a nice piece of land in Port Harcourt. Very beautiful location. The price seemed fair and the seller looked trustworthy. Excited, he paid and got a Lawyer to prepare the purchase documents. He thought the deal was done. Fast forward to one year. He wanted to sell the land, only to discover that the person who sold the property to him was not the owner. The real owner was his cousin, who had already sold it to someone else. The Deed of Conveyance he signed was worthless. This happened because he avoided an important step: due diligence (investigation). In Nigeria, buying land without verifying ownership and legal history is an expensive error. A property may look perfect, but without proper checks, you could end up with excess legal trouble. Engaging an experienced Property and Real Estate Lawyer gives you the needed protection as he ensures the seller is the rightful owner, verifies land records, confirms there are no issues and prepares comprehensive Agreement. He will safeguard your property investment before you pay one Naira. He will help you avoid mistakes, making your property transaction smooth, secure and legally sound. Do not let excitement cloud your judgment. So before you buy land or house/building in Nigeria, consult a trusted Property Lawyer first. Your peace of mind depends on it. Avoid losing out. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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WHY YOU NEED A PROPERTY LAWYER WHEN BUYING LAND/HOUSE IN NIGERIA Property transactions in Nigeria are not as simple as they appear. Behind every land or building lies a web of legal details that, if ignored, can badly affect your property/real estate investment. This is why it is important that you involve an experienced Property and Real Estate Lawyer. A knowledgeable Property Lawyer brings the legal expertise required to ensure that every document is properly drafted and fully complies with property laws. Each clause is carefully structured to protect your ownership and prevent future wahala. A poorly drafted land/building purchase document can become a legal setback tomorrow. Before you pay any money for land/house, your Lawyer should conduct thorough due diligence (investigation). This involves verifying the true ownership of the property, confirming the authenticity of documents and identifying risks such as disputes, issues, claims and Government acquisition. These issues are addressed early, before they become problematic. If you are in Nigeria or anywhere in the world and you need strategic legal help to confidently buy land/house in Nigeria, engage a trusted Property Attorney. Before you commit to buying land/building in Nigeria, pay money or sign purchase documents, get a reliable Property and Real Estate Lawyer in Nigeria. This decision can save you headache in property investment. __________________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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AN UNSIGNED DOCUMENT IS OF NO USE In law, evidence is king. A Court does not care about how beautifully written a document is or how weighty the words may sound. If a document not signed is brought before a Judge, it is legally useless. It carries no single weight, no authority and no value. An unsigned document is like a letter without a sender. There is no way to trace it, no way to confirm its authenticity and no proof that the supposed maker actually approved or endorsed it. For that reason, Nigerian courts have been clear and firm: an unsigned document is worthless and canno be presented as evidence. The Supreme Court of Nigeria has described an unsigned document as a worthless piece of paper. That blunt description perfectly captures the reality. No matter how impressive the contents look, if the document does not bear the proper signature of all parties, it is legally empty. Legally, a signature is what breathes life into a document. It is the evidence of ownership, consent and responsibility. It confirms that the maker stands by the words and agrees to be bound by them. Without that mark of approval, the document is simply paper and ink with no force of law. So if you want a document to pass the legal validity test, make sure it is properly signed. Without a signature it is of no use. ______________ APEX CHAMBERS, Award-winning Law Firm of Property/Real Estate and Business/Corporate/Commercial Lawyers, Attorneys, Barristers, Solicitors, Advocates, Counsel and Legal Practitioners rendering legal services, Legal Consultants and Notary Public with Law Office in Port Harcourt, Rivers State, Nigeria Phone: +234(0)7030868694 (Calls and Whatsapp) Email: info@apexchambersglobal.com Website: www.apexchambersglobal.com
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