RecoveringReceivableswith a clear method.
We handle the collection of past-due debt portfolios for banks, credit unions and companies, from the first contact with the debtor to judicial enforcement. We combine artificial intelligence, CRM systems, our own state-of-the-art LegalTech platform, a call center and trial lawyers, with Fextor's investigations to locate assets and addresses.
A debt that no one manages loses value every single day. That's why we work it with constant contact, agreements that are honored and, when needed, firm legal action.
From first contact to recovery of the debt.
We organize the work in stages, exhausting the amicable route first and going to court with the information and evidence ready.
- 01
Portfolio analysis
We review the loans, their collateral and documents, and prioritize by amount, age and likelihood of collection.
- 02
Direct contact
Our call center reaches out to debtors to understand their situation and propose a solution.
- 03
Negotiation
We negotiate realistic payment agreements and, when it makes sense, turn to mediation to formalize them.
- 04
Follow-up
We monitor compliance with every agreement and act immediately when payments fall behind.
- 05
Location
With Fextor, we locate the addresses and assets of debtors who do not respond.
- 06
Judicial collection
We file the claim, request attachments and enforce the collateral until the debt is recovered.
Organized collections from start to finish.
We serve financial institutions, companies and individuals with comprehensive management, both pre-litigation and judicial, with clear reports for your team.
- Pre-litigation collections
- 01
Direct negotiation
- 02
Payment agreements and mediation
- Technology
- 03
AI, CRM and in-house call center
- Litigation
- 04
Collection lawsuits
- 05
Attachments and enforcement of security interests
- Investigation
- 06
Debtor and asset tracing
Direct negotiation
We contact the debtor, understand their situation and seek a payment solution before going to court.
- Debtor contact
- Payment proposals
- Formal notices
Payment agreements and mediation
We formalize payment agreements and, when it makes sense, take them to mediation to give them greater certainty.
- Payment plans
- Collections mediation
- Term restructuring
AI, CRM and in-house call center
We use artificial intelligence to segment the portfolio and prioritize actions, a CRM that logs every contact and agreement, and our call center for direct contact with debtors.
- Artificial intelligence
- CRM systems
- In-house call center
Collection lawsuits
We prepare and file court actions based on the instrument and the debt, and represent your institution at hearings.
- Collection lawsuits
- Hearings
- Appeals
Attachments and enforcement of security interests
We request measures against the debtor's assets and foreclose mortgages, pledges and other security interests.
- Attachments
- Foreclosure of mortgages and pledges
- Judicial auctions
Debtor and asset tracing
With Fextor, our sister investigations firm, we locate addresses and assets so that collection actions have something to enforce against.
- Updated addresses
- Debtor assets
- Tracing reports
Constant contact, firm action.
Debt recovery works when day-to-day management and legal action work together. These are the fronts we cover for your institution.
AI, CRM and our own LegalTech working for your collections.
Artificial intelligence helps us prioritize the portfolio, the CRM logs every contact and agreement, and our own LegalTech platform lets you follow each case in real time. Our call center keeps in touch with debtors and monitors every agreement, while Fextor's investigators locate assets and addresses and our lawyers take cases to court when the amicable route is exhausted.
Direct contact
In-house call center reaching debtors.
Payment agreements
Clear, documented agreements.
Artificial intelligence
Prioritizes and segments the portfolio.
CRM and LegalTech
Every action logged and measurable.
Location
Addresses and assets with Fextor.
Lawsuits
Judicial collection and hearings.
Attachments
Measures against debtor assets.
Collateral
Foreclosure of mortgages and pledges.
Collections designed for every creditor.
We tailor our approach to each client's type of portfolio and regulatory framework. For banks and credit unions, we work hand in hand with our financial law practice.
Banks
Past-due consumer, microcredit and commercial loans.
Credit unions
Member loan portfolio management with regulatory insight.
Commercial companies
Unpaid customer invoices and credit.
Service companies
Accumulated accounts receivable.
Negotiable instruments
Unpaid promissory notes, bills of exchange and checks.
Secured loans
Mortgages, pledges and guarantees.
Individuals
Debts owed to private individuals.
Written-off portfolios
Review of aged loans and their collectability.
One team, one point of contact.
Initial meeting
We listen to your situation in full confidence and review the information available.
Assessment
We identify risks, outstanding obligations and priorities for your company.
Plan and budget
We propose the roadmap, timeline and team, including any other practice areas of the firm that need to be involved.
Execution and follow-up
A lead lawyer coordinates everything and keeps you clearly informed at every step.
Six consecutive years in Band 1.
Leaders League has ranked Fexlaw in the top band for Criminal Law and Compliance in Ecuador for six years running. Chambers and Partners and the intellectual property rankings also recognize us for our anti-piracy work.
The people behind your collections.
Trial lawyers and legal assistants who coordinate pre-litigation and judicial work, backed by our collections department, our technology and Fextor.
Practice lead
What clients often ask us.
General answers to common questions. Every company is different: write to us so we can review your situation.
01When should you move from pre-litigation to judicial collection?
When the debtor does not respond, breaches agreements, or there is a risk they will dispose of their assets. We assess each loan to decide the right moment and keep it from losing value.
02What documents do I need to start collection?
The contract or instrument evidencing the debt (promissory note, bill of exchange, check, invoice or loan agreement), the collateral, account statements and communications with the debtor. With these, we define the most efficient route.
03What if I don't know where the debtor is or whether they have assets?
With Fextor, we conduct investigations to locate addresses and assets. That information allows the debtor to be served and measures to be requested against their assets. If the case involves fraud or hidden assets, we coordinate with our asset recovery practice.
04Can mediation be used to collect a debt?
Yes. An agreement reached in mediation and recorded in the corresponding mediation record has the effect of a court judgment, which gives the creditor greater certainty if the debtor defaults. Learn more about mediation and arbitration.
05How are debtors and their data treated?
We conduct collections respectfully and in accordance with applicable regulations, including personal data protection rules. Proper collection practices also protect your institution's reputation.
Let's talk about
your receivables.
Choose the option that best describes your situation and we will message you directly on WhatsApp to book a confidential initial meeting.
with past-due receivablesBook via WhatsAppJUDICIAL COLLECTIONI have a promissory note, guarantee or debt
I need to collectBook via WhatsApp
