Under Kenyan law, an oral agreement is considered a valid contract — Immani lets you take action to recover money lent with no contract. Why this happens: Many Kenyans lend money to friends, family, or business partners without a written contract, only to struggle to recover their money when the borrower defaults. The usual advice is to go to court, but this can be time-consuming and expensive. How Immani works in this specific context: If you lent money with no contract, you can file a dispute against the borrower's phone number using Immani. This costs KSh 100 and allows you to describe what happened and the amount owed. The borrower will be notified immediately and has a short private window to respond and engage directly. If there is no response, the dispute becomes visible to anyone who looks up that phone number within Immani, which can prompt a reply. What happens next, concretely:

1. You file a dispute against the borrower's phone number using Immani, describing what happened and the amount owed.
2. The borrower is notified immediately and has a short private window to respond and engage directly.
3. If there is no response, the dispute becomes visible to anyone who looks up that phone number within Immani.
4. You can negotiate a settlement or payment plan with the borrower.
5. If an agreement is reached, you can close the dispute on Immani and confirm that the issue is resolved. Immani and Immani Legal AI are not law firms and do not provide legal advice. This post is general information, not legal advice for your specific situation. For complex cases, consult a qualified advocate.

Disclaimer

This article is for general informational purposes only and does not constitute legal advice. Immani and Immani Legal AI are not law firms and do not provide legal representation. The information provided may not reflect the most current legal developments. For legal advice specific to your situation, consult a qualified advocate licensed to practice in Kenya.