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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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HOW TO LEGALLY ADOPT A CHILD IN NIGERIA Adopting a child is one of the most beautiful family decisions anyone can make. It is also one of the most legally sensitive processes you will embark on. One wrong move and what should be a story of love could turn into years of court cases or even criminal allegations of child trafficking. In Nigeria, adoption is not done by word of mouth or by just taking a child home. It must be done legally through the Family Court, in strict compliance with the Child’s Rights Law. The process begins with an application to the Family Court. You must first be declared a “fit and proper person” by the Social Welfare Department. After investigations, interviews and background checks, the court may then issue an Adoption Order, which legally transfers parental rights from the biological parents (or the State) to you. But many people get it wrong by trying to do it on their own or through middlemen. That is a disaster waiting to happen. Without a Lawyer, you may sign fake documents, deal with unapproved orphanages or adopt a child illegally, offenses punishable by law. A Lawyer ensures every step is right, filing the right court documents, legal representation, etc. He protects you from scam, emotional distress and issues. Adoption should bring you peace and fulfillment, not regret. So before you begin, get a Lawyer. In adoption, love may lead the way but the law must clear the path. ______________ 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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ARE YOU FACED WITH A LEGAL ISSUE? GET A LAWYER Yesterday a young man called Apex Chambers, well-known & award-winning Law Firm of very experienced and trusted Property/Real Estate and Business/Commercial Lawyers, Barristers, Solicitors, Advocates, Attorneys and Notary Public with 19 years legal experience and Law Office in Port Harcourt, Rivers State, Nigeria. He said he was referred to Apex Chambers when he did an online search for the best Property Lawyers in Port Harcourt, Nigeria. He was seeking to consult us regarding legal matter. Land/Property, Tenancy and business issues are some of the legal issues that are best handled by a reliable Property/Real Estate and Corporate Lawyer. We always advise that when you're confronted with legal matters, the first step you should take is to engage a very skilled/expert Lawyer to give you sound legal advice so that you will be on a strong footing and not jeopardize your legal interests. Some legal issues that seem really easy may not be as you think. Law is very complicated and what you judge simple and easy to handle may be a thorny issue that will at the end of the day cause you more pain than you imagined. So quickly get a good Lawyer to give you legal guidance when you face legal matters. If you need legal advice, guidance and consultation or help with any Property/Real Estate or Business/Commercial matter or transaction, call, WhatsApp or email Apex Chambers anytime, anyday 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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IRREVOCABLE POWER OF ATTORNEY FOR LAND In several Nigerian States (such as Abia State, Imo State, Enugu State and Akwa Ibom State) a Deed of Irrevocable Power of Attorney is used to transfer ownership of land/building. It is a binding legal document that grants the buyer full authority over the property, including the power to take possession, manage, develop and perfect ownership at the Lands Registry. When properly drafted, it gives the buyer strong legal standing but when poorly prepared, it negatively impacts on the buyer's ownership rights. Many buyers make the big mistake of downloading templates or getting non-lawyers to prepare Irrevocable Power of Attorney. That is very risky. One wrongly worded clause, missing term, drafting error or ambiguity can expose the buyer to revocation claims, ownership or boundary disputes, or avoidable financial loss. A Deed of Irrevocable Power of Attorney must be well structured to reflect the true intention of transfer of ownership, contain protective covenants, price and perfectly align with applicable land laws in the State where the property is located. Shortcuts are to be avoided. To truly protect your property/business investments and prevent issues in the future, it should be prepared by an experienced Property Lawyer who understands the legal implications and ensures your ownership is secure. __________________ 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, ASK FOR CLEAN PAYMENT RECEIPT When you pay for land or house in Nigeria through bank channels, demand for and receive payment receipt on confirmation of the payment by the seller. The receipt is your evidence of payment for the land. Do not accept to be issued such payment receipt later. The receipt should be issued at the time of payment. Whether it is hand-written or typed, the land/building buyer should ensure it is duly signed and dated by both himself and the seller and that the receipt clearly has the details of the seller and the buyer, and also describes the purpose and details of payment made. Mutilations and cancellations in receipts are not permissible, even if a signature of the correcting party is made beside the detail corrected. Where any correction or and amendment is made on the payment receipt, it is the buyer’s duty to demand for a replacement with a clean copy, as such cancellation or correction may work against the buyer. Arguments may arise from the cancellation made, even if it was made without bad intentions at the time. The buyer should be given an original copy of the payment receipt. If the receipt comes in two copies (original copy and carbon copy), the buyer is entitled to the original copy while the seller keeps the carbon copy. Ensure you keep the receipt safe and in good condition. __________________ 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, SIGN THE PURCHASE DOCUMENTS AT THE TIME OF PAYMENT, NOT LATER It is advisable that you sign the land or house purchase documents (Deed of Conveyance/Assignment) at the point of making payment. Do not trust your seller or his agents so easily and let your guard down. Insist on signing at the time of payment. This secures your position, as the vendor could become evasive, unavailable or reluctant to sign the purchase documents after receiving payment in full. Merely paying for land or house does not make you the owner. The legally recognized mode of transfer of ownership of land/house in Nigeria is in writing and through the right purchase documents. Outside that, there is no inference or assumption of transfer of ownership of land/house. In the absence of proper documentation, there is no transfer of ownership. So ensure you sign the land documents while making the payment. Do not accept the postponement of the signing. If the legal documents are yet to be prepared by a Property Lawyer or they are not ready for signing, do not pay yet until the documents are ready for signing. Do not let your vendor or his agents pressure you. Shake off such pressure. Refuse to be pressured. It saves you a lot of stress and secures your legal interests. Until the signing is done, the land/house is not yet your own, even if you have completed all payments and collected receipt. __________________ 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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DIFFERENCE BETWEEN GUARANTOR AND SURETY You agreed to help your friend secure a loan, you signed a document, the money was released and you went home thinking, “I am just a guarantor.” Then your debtor friend disappeared and the creditor is looking at you. This is why you must know the difference between a Guarantor and a Surety before signing a financial or business document. A Surety undertakes to pay or perform the obligation of the debtor from the beginning, while a Guarantor becomes liable to pay when the debtor fails to pay. What you sign (i.e. as a Surety or Guarantor) will determine when the creditor can come after you and how far your liability extends. Do not rely on the title of the written document. The actual wording, structure and circumstances of the agreement may determine the legal meaning, nature and extent of your legal duty. Before you sign as a guarantor, surety, indemnifier or in any similar capacity, let an experienced Nigerian Lawyer/Barrister/Attorney prepare or review the document. A few words in a contract/Agreement can impose a financial obligation that will affect you for years. At Apex Chambers, we advise that you clearly understand what you are actually agreeing to before you put your signature. Do not sign just because you trust the person asking you to sign. Sign only when you understand the legal consequences. Know what you are signing. __________________ 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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MAKE PAYMENTS ONLY THROUGH BANK CHANNELS While making payments for land or house you are buying in Nigeria, do so through bank channels/platforms (i.e. banking hall, bank app, online transfer, bank draft or cheque. This will provide the necessary evidence (reflected in your bank statement) that you need to prove the payment you made. By all means, avoid paying for land or building with cash. Even if you have cash at hand, pay through the bank and indicate in the payment narration that the payment is for the purchase of land or house. The bank’s books and records are very useful when you need to prove payments for land and house. Even when you will be issued a payment receipt, paying with cash is a wrong move. Don’t do it. It leaves you vulnerable to the seller or his representatives. The authenticity of the receipt could even be challenged. An insincere vendor could deny the cash payment, leaving you frustrated and in the cold. Trust in property transactions is an expensive luxury you cannot afford. Try not to give your seller the benefit of the doubt. It is a business transaction, not a friendship or family affair. It is serious business and must be treated as such. Don’t let your guard down. Secure your interest and do not sacrifice your financial, property and business investment interests on the altar of trust, friendship or over-familiarity. __________________ 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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LAND CERTIFICATE OF DEPOSIT One big mistake people make when buying land/house in Nigeria is falling in love with it before making findings. The beautiful land/building, attractive location and the seller’s convincing story mean very little if it has ownership problems. This is why a registered Survey Plan should never be treated as a mere piece of paper. A registered Survey Plan helps identify the exact location, size, boundaries, coordinates of the land and enables proper investigation to determine whether the property falls into another person’s land, Government acquisition, scheme or an area affected by other restrictions or issues. Take the Survey Plan to a Property and Real Estate Lawyer before you pay. Your Lawyer should investigate the seller’s ownership, verify the transaction and identify issues. Then get Certificate of Deposit. Do not allow a seller, agent/realtor, family member or a friend to convince you that the land is genuine just because they have sold properties there before. A property can look genuine and still have serious legal problem. If you are abroad, do not buy land/building in Nigerian merely because someone you trust has inspected it for you. Distance makes professional due diligence even more important. Apex Chambers advises that buying land/building property should begin with investigation, not payment. Check well and then decide whether to buy or not A Property Lawyer is part of your legal protection. Embrace one now. __________________ 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/HOUSE IN NIGERIA, DO A REGISTERED SURVEY PLAN BEFORE PAYING A Survey Plan is a document that has accurate measurement, size, description and boundary of land. It is important that you know the true dimension and size of a land you want to buy. The Survey Plan also shows your boundaries on all sides and captures your name and the actual location of the land. Engage a licensed Surveyor and ensure the Survey Plan is registered with the Ministry of Lands and Survey where the land is located and a copy lodged at the Ministry. An unregistered Survey Plan is of no use; it is as good as not making a Survey Plan at all. Avoid unlicensed Surveyors and quacks in survey. They will charge you less, but at the end you have done nothing. It will save you a lot of trouble now and in the future. 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 try not to cheat yourself. Note that the Deed of Conveyance or Deed of Assignment (legal documents of transfer of ownership of land/house during sale) will make reference to the details captured in the Survey Plan. So if the Survey Plan turns out to be invalid for not being registered, the document of land sale cannot stand on its own. Remember, you cannot put something on nothing. It doesn’t work that way. __________________ 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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IF THE OWNER OF LAND/BUILDING YOU WANT TO BUY IS DEAD, ASK FOR DOCUMENTS PASSING OWNERSHIP TO THE SELLER Where the owner of the land or house you are interested in buying is late, insist on a document that transfers ownership to the seller. There are a number of legal documents that confer or transfer ownership of land/house of a dead person to a living person. They are Letters of Administration from the probate registry of a court, vesting assent (document of sharing from a Court), Deed of Assent, Deed of gift or orders of Court in a judgment. An ownership document in the name of a dead owner is not a proper document to be relied on by a buyer wanting to buy land/house. Transfer of ownership to a buyer must come from a valid ownership document, even when the person seeking to sell is a wife, son, daughter, sibling or other close relative of the late owner. Relying on the late owner’s ownership document is wrong. It is an error that should be avoided. A person who wants to sell can only sign in his own name and not in the name of the dead owner, and that would leave a discrepancy (i.e. the difference in the name of the late owner and that of the person selling. If you don’t buy from the real owner who has a verifiable proof of ownership, then you have bought nothing. You cannot place something on nothing and expect it to stay there; it will fall. Nobody can validly sell as his own, what is not his. Buyers beware. __________________ 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, CONDUCT LAND REGISTRY SEARCH When you want to buy land/house in Nigeria, get a Lawyer in Nigeria to do a search at the lands registry to know its current status. Registration of land at the lands registry is endorsed on the ownership document. If the land is registered, it may reveal if there is any form of legal issue like sale, mortgage, mortgage, caveat, etc. Such legal issues would ordinarily be recorded in the details of the land at the lands registry. There are consequences of transacting in a land/building affected by legal issues. The proper thing to do would be to discontinue the buying. This search is a fact-finding mission, and facts received from the search should guide your decision and proper steps taken to avoid getting hurt. Where there is a legal issue affecting the land, that is a red flag and the buyer has a duty to proceed with caution. In most cases sales, mortgages, transfers, pledges, caveats, etc are not usually registered in the land registry even when previous transactions over that land are registered in the land registry. Have it at the back of your mind that there may be some other transactions over the land that were not registered in the land registry and that surely counts. So the outcome of a search at the land registry does not end the search for the current ownership or legal status of the land/house. __________________ 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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ASK TO SEE A POWER OF ATTORNEY IF SALE OF LAND/BUILDING IN NIGERIA IS BY THE SELLER’S REPRESENTATIVE A Power of Attorney is a written authority to act for another person. There are circumstances where the owner is unavailable or unable to transact in person with the buyer. It could be due to distance barrier (maybe he is abroad), age or health issues. Land/house can be sold by the owner’s representative where the owner signs a proper Power of Attorney giving the power to sell to another person. Demand to see a Power of Attorney from the land/building owner in favour of the representative. When you are shown a Power of Attorney, verify its authenticity by reaching out to the owner. With due diligence (investigation) by a trusted Lawyer, you will know if the owner is genuine. Proper findings will point you to the real owner. While confirming the genuineness of the seller and the Power of Attorney, the Lawyer will scrutinize every detail in the Power of Attorney and ensure that it grants that representative powers to sell the land or house. Check the identity of the land. Pay close attention to details. Be sure that the Power of Attorney is duly signed by the seller, then signed and stamped by a Notary Public (notarized). It is only when you have verified the identity of the owner and that the Power of Attorney is not fake that you should consider proceeding with buying the land/house. __________________ 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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DON’T BE PRESSURED TO FAST-TRACK PAYING FOR LAND/BUILDING If someone is rushing you to pay for land/house, slow down. Do not let the land/building seller or a realtor mount pressure on you to speed up the buying process. Most times, vendors who pressure a buyer to hasten up are not genuine. Consider being pressured a red flag and proceed with caution. When such pressure comes, downplay it and do not give in. Don’t skip or do away with any part of the buying process. The major aim of mounting pressure is usually to make the buyer ignore what should be given proper attention. Land/house buying is not an emergency transaction. So there should be no urgency in it. Take serious steps to be double sure. Take your time, make your findings and insist on what needs to be insisted on. Be immune to pressure from the seller and agents. It is in your best interest. Don’t be too quick to pay. A genuine seller will allow you to investigate what you are about to spend your money on. Before making any payment, get a trusted Property and Real Estate Lawyer in Nigeria to conduct proper due diligence (investigations): verify ownership, check the documents, investigate the property and ensure that the transaction is well documented. Once your money is gone, solving the problem can be very expensive. The seller may move on, but you will be left with the problem. Don't allow excitement to make you careless or reckless. Take your time, ask questions, investigate, verify, then decide. __________________ 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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INVOLVE COMMUNITY LEADERS WHEN BUYING LAND IN SEMI-URBAN AND RURAL AREAS Community Chiefs, Elders and Leaders are in the best position to point you in the right direction when buying land in semi-urban and rural areas in Nigeria. Engage them secretly while doing the transaction, to know the true owner of the land. They are in a position to show you the correct boundaries too. Inform them of your desire to buy the land, and seek their input. Engage as many of them as you can, but be sure that their input is not tainted with malice or ill-will. Do not underestimate the value of local knowledge. These are people who will know the history of the land, the families connected to it and disputes that will never appear in the seller's documents. They may also know whether the person presenting himself as the owner has power to sell. This will eliminate fraud and misrepresentation of facts as they will indicate to you which land is community or family land and the identity of the owner. In rural areas, everybody knows everybody. So it is very easy to get facts about the land. But community information is not a substitute for legal due diligence (investigation). After making these inquiries, get a Property and Real Estate Lawyer to investigate the ownership, Government interest, verify the seller's authority, review the relevant documents and prepare the purchase document before you pay. A few conversations with the right people can expose what a seller may never tell 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 YOUR PROPERTY/REAL ESTATE LAWYER BY YOURSELF When you want to buy or transact in land/building in Nigeria, get a Property and Real Estate Lawyer yourself. Letting your seller, his representative or agent secure a Property/Real Estate Lawyer for you is wrong. Remember that your Lawyer has a duty to protect your interests and his allegiance/loyalty should be to you as his client. Allowing them get a Lawyer for you could expose your Lawyer to conflict of interests. The Lawyer given to you by the seller or his agent may in fact be their own Lawyer. Even where he is not, it could be difficult to shield him from looking out, even though subconsciously, for the interests of the seller or realtor who could be said to be his benefactor for the purposes of the land or house transaction. You do not want to end up with a Lawyer for the other side. Do you? So search for a Lawyer by yourself or your own people. That way, he will be insulated from the control or influence of the seller and his agents. Remember that the Lawyer ought to be involved in due diligence (investigations). In practical terms, it is hard to imagine how a Lawyer would independently investigate the claims of his helper. That would be a very difficult thing for the Lawyer to do. So to get the best from your Lawyer, choose one for yourself. It is better to err on the side of caution. __________________ 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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BEGIN LAND/BUILDING BUYING PROCESS WITH A PROPERTY AND REAL ESTATE LAWYER There is need for a land purchaser to, at the earliest possible time, engage an experienced Property and Real Estate Lawyer to kick-start the process of buying land or house in Nigeria. Bear in mind that not every Lawyer is knowledgeable enough to handle land/house buying transactions. Experience is key. A Property Lawyer is trained to handle the intricacies, processes and issues around buying of land/house. His professional legal help is needed and from the beginning, not along the line, in the middle of it, after payments have been made or when things go wrong. Engage the services of a Barrister as soon as you decide to acquire land or house, for proper guidance. Let the Property and Real Estate Lawyer guide you every step of the way. Most importantly, follow legal advice. It is one thing to engage the services of a Lawyer and another thing to follow his legal advice. It could cost you a little more to get a Lawyer, but in the long run it is worth it. Do not be penny wise pound foolish. It is very easy for a Lawyer to smoke out red flags, fraud and suspicious issues at the early stages of the buying process. Consulting a Property Lawyer will protect your legal interests. Native intelligence will not help you when buying land/house in Nigeria. 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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BUY LAND/HOUSE IN NIGERIA SAFELY Amongst the property acquisition and investment options in Nigeria, buying land appears to be one of the most favoured. Land is an important part of human existence. It is a valuable commodity that has proven to have a high appreciation in value over time. Land could be bought to develop it for commercial purposes, personal uses or for land banking. Land banking is the act of buying land as a future investment and with no immediate or specific plans to develop it. Such purchase is to allow the land appreciate in value over time. Buying land or house in Nigeria ought to be done carefully and with a thorough and detailed understanding of what it truly entails. Depending on how you go about land purchase, it could be either a huge source of relief and happiness or a source of sadness and regrets. To avoid regrets in land/building buying transactions, Apex Chambers legal tips will guide you in practical terms and a simplified form to avoid issues that arise in land/house purchase transactions. So pay very close attention to these practical guides to protect your hard-earned money and save yourself the troubles of land/house ownership. We will consider those steps that must be taken when you want to buy land/house in Nigeria. Each is as important as the other, and none should be considered less worthy of attention. Little things in land/house buying matter. __________________ 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 LAND/HOUSE WAS BEAUTIFUL; THE PROBLEM WAS WHAT HE COULD NOT SEE The land/building looked perfect, location was excellent and the seller looked genuine. The documents looked convincing. So the buyer paid. Months later, he discovered that the seller did not have the right to sell. Party scatter. This is how many property troubles begin in Nigeria. Not because the buyer was careless, but because he trusted what he could see instead of investigating what he could not see. When buying land or house, your first concern should not be “how much is it?” It should be “who actually owns it, and can I safely buy it?” So you need a Property and Real Estate Lawyer. Before you pay for land/building, your Lawyer should investigate it, verify the seller’s ownership, scrutinize the documents, conduct searches, check the survey plan and location, investigate Government interest, claims, Court cases, mortgages and other issues, and prepare the right purchase documents. Do not wait until you have paid before calling a Lawyer. At that point, the Lawyer may be trying to save a transaction that should never have happened. If you live abroad, do not rely just on an agent, relative, photographs or videos sent from Nigeria. Get a Property Lawyer to investigate the property on your behalf before you pay. Apex Chambers advises that you buy, not because the land/building looks right but because it has been properly investigated. __________________ 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 available 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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BOOT AGREEMENT What if you could build a major project without paying the entire cost upfront? That is the thinking behind a BOOT Agreement: Build, Own, Operate and Transfer. It is a form of Public-Private Partnership (PPP) in which a company takes on the duty of developing a public infrastructure project with its own full or part financing. The company builds the project, owns and operates it for an agreed period, generates revenue from it, recovers its investment and eventually transfers the project to the Government. Think of a road, bridge, power plant, water facility, hospital or other major infrastructure. Instead of Government providing all the money at the beginning, a private investor can develop and operate the project under agreed terms. Who provides the land? Who finances construction? Who bears the risk of cost overruns? How will revenue be generated? What happens if Government changes policy? What standards must be maintained? What happens if the project fails? When must the project be transferred and in what condition? These must be contained in a structured BOOT Agreement, so as not to turn a promising project into disputes and financial losses. That is why an experienced Corporate Lawyer should be involved from the start. Apex Chambers advises that property, infrastructure and corporate transactions require proper structuring, risk allocation and legally sound Agreements that protect the interests of parties. __________________ 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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ESCROW AGREEMENT Imagine paying millions of Naira for a property, land/building or business, only for the seller not to keep to his words. Imagine handing over your land/house ownership documents and not receiving the purchase money. These risks destroy transactions. An Escrow Agreement is a legal contract in which a trusted neutral third party, known as the Escrow Agent, temporarily holds money, property or important documents until every agreed condition of a transaction has been complied with. Only then will the money or documents be released to the appropriate party. It is one of the safest ways to complete a high-value transaction, as it protects both buyer and seller. The buyer knows the money will not be released until the agreed conditions are met and the seller knows the buyer has the funds to pay. If well used, an Escrow Agreement prevents fraud, avoidable issues and builds trust. A poorly drafted Escrow Agreement can create confusion over when funds should be released, who bears responsibility if something goes wrong, and how disputes should be resolved. An Escrow Agreement should be prepared or reviewed by an experienced Property and Business Lawyer, to anticipate risks, draft clear release conditions and ensure your interests are fully protected. Apex Chambers advises you have an Escrow Agreement that minimises risk, prevents fraud and boosts confidence. __________________ 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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CHANGE OF OWNERSHIP You paid for it and collected it. But can you prove it is truly yours? This has cost many people vehicles, machinery, equipment and other valuable assets. Payment alone does not prove ownership. What protects your ownership is a Bill of Sale, commonly known as Change of Ownership. A Bill of Sale is the legal document that confirms that ownership of a movable property has lawfully passed from a seller to a buyer. It describes the parties, property, purchase price, date of transfer and serves as evidence that the buyer is now the rightful owner. Without it, you may find yourself unable to prove ownership if the seller later denies the sale, another person claims the property or the asset becomes the subject of a dispute, theft investigation or Court case. A receipt may show payment, but it does not transfer ownership. Sadly, many people in Nigeria buy expensive movable assets based on trust, promises or poorly written documents, only to realise the danger when a dispute arises and they have little or no legal protection. So buying valuable movable property should be backed by a Change of Ownership prepared or reviewed by a Property and Business Lawyer who will ensure the document accurately reflects the transaction and fully protects your ownership rights. Apex Chambers urges you to buy movable assets in Nigeria properly with legally sound ownership documents that stand the legal test of time. __________________ 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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SERVICE AGREEMENT The most expensive business mistake is not a bad deal. It is signing a good deal on bad terms. Many business owners believe a WhatsApp chat or receipt is enough to protect them. It is not. Business relationships are smooth when everyone is happy. The real test comes when expectations change, payments are delayed, confidential information is leaked or one party suddenly leaves. That is why you need a well-drafted Service Agreement. A Service Agreement states the service to be rendered, agreed standard, delivery timeline, payment terms, ownership of intellectual property, confidentiality duties, remedies for breach and how disputes will be resolved. It removes assumptions and replaces them with legal certainty. Without one, you may struggle to prove what was agreed, recover unpaid fees or hold the other party accountable. Even where your claim is genuine, a poorly drafted Agreement can make enforcement difficult, expensive and time-consuming. A Service Agreement should be prepared or carefully reviewed by a trusted Business/Corporate Lawyer who will identify risks, anticipate issues and ensure the agreement protects your interests. Whether you are a consultant, contractor, software developer, creative professional, supplier or business owner, never rely on templates downloaded from the internet. Your business deserves a contract that reflects your unique transaction. Prevention is better than litigation. __________________ APEX CHAMBERS, 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, 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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JOINT VENTURE AGREEMENT The biggest business mistakes are hardly caused by bad ideas, but mostly by bad agreements. A nice opportunity can lead to quarrels when two or more people go into a business without clarifying their rights, duties and expectations. Good intentions may start a business, but a properly drafted Joint Venture Agreement keeps it on track. A Joint Venture Agreement is a legally binding contract that allows two or more parties to collaborate on a specific business/project. It states what each party will contribute, how profits/losses will be shared, who makes key decisions, how the venture will be managed and how each party can exit. Unlike a Partnership Agreement, a joint venture is project-specific and does not merge the parties as one. So many promising ventures collapse because these issues were not discussed or well documented. When disagreements arise over money, management or ownership, memories differ, relationships break down and Court cases follow. So a Joint Venture Agreement should be prepared or carefully reviewed by a sound Commercial Lawyer to identify risks, draft enforceable terms, protect your investment and ensure your interests are fully secured. Whether you are developing real estate, executing a construction project, investing in agriculture, technology or any commercial venture in Nigeria or from the diaspora, never rely on trust alone. Apex Chambers advises that you build strong legal foundations so that you avoid regrets. __________________ APEX CHAMBERS, 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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DEED OF DISCLAIMER The law is that you cannot be forced to accept every benefit. But if you reject one the wrong way, the implication can be really bad. Many people believe that once a gift, inheritance, property or legal right is offered to them, they have only two choices: accept it or ignore it. The law requires a proper way to say "No." That way is through a Deed of Disclaimer. A Deed of Disclaimer is a legal document with which a person legally rejects a property, inheritance, gift, right or any other lawful benefit he or she does not want to accept. Once properly prepared and signed, it releases you from the rights and duties attached to that benefit. An inheritance may come with debts, a gifted property may be subject to disputes or legal issues, a business interest may expose you to liabilities you never intended to assume. Simply walking away or saying you reject it may not give you the legal protection you need. So a Deed of Disclaimer should be prepared by an experienced Property/Real Estate and Business/Commercial Lawyer in Nigeria. The Lawyer will ensure the disclaimer is well drafted, legally valid and effective, preventing future issues and protecting your interests. Do not assume that rejecting a legal benefit is as simple as saying, "I don't want it." Apex Chambers advises that you make legally sound/solid decisions, protect your rights and avoid mistakes by having legal documents prepared by a sound Lawyer in Nigeria, that stand the test of time. __________________ APEX CHAMBERS, 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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DEED OF VARIATION Many people assume that once an Agreement/Contract has been signed, a change can be made with a letter, text, Whatsapp message or handwritten amendment. That error has cost people too much. When terms change, the law expects the change to be properly documented. A Deed of Variation is a legal document used to amend specific terms or clauses of an existing property or business Agreement. Whether you are changing the purchase price of a property, extending completion dates, modifying payment terms, altering duties or revising commercial arrangements, a well drafted Deed of Variation ensures the changes are legally valid, clear and enforceable. The danger lies in getting it wrong. Poorly drafted amendments can create avoidable problems, trigger expensive disputes or render the intended changes unenforceable. What appears like a minor adjustment now could become a major legal problem later. That is why every amendment should be handled by an experienced Property/Real Estate and Business/Corporate Lawyer who will ensure the amendment is clear, legally effective and fully protects your interests and not create unintended consequences. Whether you are dealing with land, building, commercial transactions or business contracts, avoid promises or informal alterations. Apex Chambers advises that you prepare and amend written Agreements that preserve your legal rights and prevent issues from arising. __________________ APEX CHAMBERS, 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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DEED OF NOVATION Business never stands still. Companies are sold, investors come in, partners leave, projects change hands and duties are transferred. But replacing one party with another is not as simple as crossing out a name and writing a new one. If done wrongly, the entire agreement can turn out bad, disputed or legally unenforceable. A Deed of Novation is a legal document that replaces one party in an existing contract/Agreement with a new party, transferring the rights and duties so the Agreement continues without interruption. A poorly drafted Deed of Novation can expose a business to serious legal and financial risks. Questions may arise over who is liable, whether duties were properly transferred or if the new party is legally bound by the agreement. Mistakes can be avoided. So engage a Property and Business Lawyer before attempting to transfer rights or duties in a Contract. The Lawyer will carefully review the original Agreement, identify risks, prepare a comprehensive Deed of Novation and ensure the transfer is legally valid, enforceable and protects the interests of parties. If the transaction involves contracts, property development, real estate, business acquisitions or investment, never rely on assumptions. It needs careful legal attention. Apex Chambers advises that you get a trusted Property and Business Lawyer in property and business transactions, to ensure that your Agreement/Contract is made to protect your interests today and avoid trouble. __________________ APEX CHAMBERS, 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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