Regional reach
Our own teams in Ecuador, Peru and Colombia. One portfolio, three jurisdictions, a single point of contact.
Receivablesturned intoliquidity.
Debt collection company specializing in debt recovery. More than 20 years recovering portfolios for banks, credit unions and companies across the region, with ethical practices, legal backing and full traceability of every contact.
01Our own team
02JAMAIL™, our AI agent
03ISO 37001 traceability
FEXCOB · Debt collection company
Recovered+USD 20 M
for banks, credit unions and companies
JAMAIL™ · AI agentFour routes
- Preventive
- Pre-legal
- Legal
- Asset tracing
ClientsBanks · Credit unions · Companies
Some of our clients. They trust FEXCOB with their portfolios.
Banco Pichincha
Banco Bolivariano
Banco del Austro
Cooperativa Luz del Valle
Cooperativa JEP
CACEBCE
Almacenes MirnaBanco PichinchaBanco BolivarianoBanco del AustroCooperativa Luz del ValleCooperativa JEPCACEBCEAlmacenes Mirna01 / The FEXCOB modelOne single process
Full recovery. Turn your debt into liquidity.
Three pillars working together on every portfolio. They aren't standalone services: it's one process with different levels of pressure.
End-to-end model
From preventive collections to court enforcement, without changing providers or rebuilding case files.
Technology and investigation
Artificial intelligence to decide on contact, and forensic investigation to locate assets when the usual route runs out.
02 / The routesWhen each one comes in
Delinquency has stages. Four connected routes.
01Before the due date
Preventive collections
We call while the customer is still a customer.
↗ 02Already past duePre-legal collections
AI chooses the channel, the message and the time: call, WhatsApp, email or SMS.
↗ 03No agreement reachedLegal collections
Lawsuit, precautionary measures and enforcement, with our own lawyers.
↗ 04Can't be foundAsset tracing
We find the debtor and their assets when no one else can.
↗
Results
+USD 20million recovered
For banks, credit unions and businesses across the region.
Years in operation+20
Countries3
Own offices5
03 / JAMAIL™ · AI agentLive reporting
JAMAIL™Smart management of litigation portfolios
Built by FEXCOB
Meet JAMAIL™. Our first AI collections agent.
JAMAIL™ is the first AI-powered collections agent built by our team. It intelligently manages the litigation portfolio: it analyzes the data for each case, keeps case statuses up to date, contacts your delinquent customers and drafts every message and email, which the team reviews before they are sent. You see everything it does, live, from your report.
See how we use AI in collections ↗AnalyzesUpdatesContactsDraftsReports
How JAMAIL™ works
01
It receives your litigation portfolio
It loads the cases and files in your portfolio, exactly as they are.
02
Analyzes court data
It reviews each case to know where it stands and what comes next.
03
Updates case statuses
Every case is kept up to date in your report, without waiting for the end-of-month report.
04
It contacts and writes
It contacts your delinquent customers by phone, WhatsApp, email or SMS, and drafts each message and email according to the case; the team reviews it before it's sent.
05
Reports to you live
You log in to your report and see collection activity, case statuses and agreements in real time.
LiveJAMAIL™ activity
01
Court data
NowReviewed case files and updated procedural statuses.
02
Contact
TodaySent WhatsApp and email reminders to delinquent customers.
03
Drafting
TodayPrepared emails and payment agreement proposals.
04
Your report
LiveUpdating
04 / ServicesSee all ↗
Ten services. One portfolio.
From preventive collections to court enforcement and asset tracing, with tailored solutions for banks, credit unions and companies.
01 · Before the due date
Preventive collections
We reach out before the due date, while the customer is still a customer.
See service↗ 02 · Already past duePre-legal collections
AI decides the channel, the message and the timing.
See service↗ 03 · No agreement reachedLegal collections
Lawsuit, precautionary measures and enforcement, with our own lawyers.
See service↗ 04 · Can't be foundAsset tracing
We find the debtor and their assets when no one else can.
See service↗ 05 · Your department, our operationCollections outsourcing
We run your collections department under your brand and your rules.
See service↗ 06 · AssessmentPortfolio audit
What's collectible, what's about to be time-barred and what paperwork is missing.
See service↗ 07 · ISO 37001Training and compliance
We train your team and leave every action audited.
See service↗ 08 · By sectorCollections for banks
We move the needle without touching your reputational risk.
See service↗ 09 · By sectorCollections for credit unions
We recover without breaking the bond with the member.
See service↗ 10 · By sectorCollections for companies
Recover what you've already sold, without burning the customer.
See service↗05 / Our own teamUnder one roof
All the muscle of serious collections. No subcontracting.
We don't outsource the hard part. Every front of a portfolio is handled by a team of our own.
+20Years in operation
5Offices of our own
20Phone agents
34Field agents
In-house call center
Operators on our payroll, supervised scripts and every contact recorded and traceable. There are no intermediaries between you and your debtor.
Field agents
They go out in the field to locate the debtor and verify address, activity and assets when the phone is no longer enough.
Highly trained lawyers
Our own legal team for the court route: lawsuits, precautionary measures and enforcement, with the same case file from day one.
Financial analysts and economists
They segment the portfolio, calculate real ability to pay and define what gets negotiated and what gets enforced.
06 / How it startsFour steps
Before you sign anything, we tell you what's collectible.
01Free
Assessment
We review your portfolio and tell you what's collectible and through which route.
02In writing
Agreement
Proposal, confidentiality and collection rules in writing.
03Risk-segmented
Kickoff
The portfolio is loaded, segmented by risk and collection work begins.
04At all times
Reporting
You see recovery, DSO, cost and promises kept, not call counts.
07 / CredentialsRankings and certifications
Trust and recognition across the region.
International rankings and certifications audited by independent third parties back every action we take on your portfolio.
01 · Paris · Annual ranking
Leaders League
Ranked Firm 2026A distinction awarded from Paris. Each year it ranks the top asset recovery firms in Latin America.
02 · International legal directory
Chambers and Partners
Top Ranked · Latin America 2026One of the most influential legal directories in the world. Its ranking is built by interviewing each firm's clients.
03 · Workplace culture
Great Place to Work
Certified · EcuadorInternational workplace culture certification. A stable team manages your portfolio better.
04 · Anti-bribery management system
ISO 37001
Certified · Anti-BriberyInternational anti-bribery standard, audited by an independent third party. Ethical, traceable management of every portfolio.
08 / TestimonialsFEXCOB clients
What they say who already work with us.
The Savings and Credit Cooperative of Employees, Retirees and Former Employees of the Central Bank of Ecuador (Cooperativa de Ahorro y Crédito de Empleados, Jubilados y Ex Empleados del Banco Central del Ecuador, CACEBCE) certifies and recommends the services of FEXCOB. Since January 2024 they have provided legal advisory services to our institution, demonstrating professionalism, responsibility and commitment to our needs.
FEXCOB has shown exceptional commitment to the recovery of litigated and pre-legal portfolios. Their team combines deep legal knowledge with precise attention and professional service, strengthening our trust with every interaction. They are a valuable ally for any institution seeking effective legal solutions.
FEXCOB provided us with exceptional regulatory compliance advisory. Thanks to their program, we strengthened our risk map, whistleblower channel and institutional ethics culture. Their professional, preventive approach has been key to improving our processes.
09 / FAQBefore handing us a portfolio
What people ask before handing us a portfolio.
Ask another question ↗01What is the minimum portfolio amount or volume you work with?
We handle both mass portfolios from banks and credit unions and high-value individual cases. The first step is a free assessment: we review the makeup of your portfolio and tell you what's recoverable and through which route.
02What if the debtor can't be located?
That's where the field team and asset tracing come in: address verification, economic activity and asset location. It's the step before precautionary measures, and it's what separates collections that just insist from collections that recover.
03Can I move from pre-legal to legal collections without starting over?
Yes. That's the whole point of the end-to-end model: the same case file moves from the preventive stage to the legal stage without changing providers or rebuilding the documentation. Nothing gets lost along the way.
04How do you guarantee ethical treatment of my customers?
We're ISO 37001 (anti-bribery) certified and a Great Place to Work. Every contact is recorded and traceable, and the script is supervised: today's debtor may be your customer again tomorrow.
05What do I need to start legal proceedings?
An enforceable instrument—promissory note, bill of exchange, loan agreement, amortization schedule—together with the account statement and proof of prior collection efforts. If any of these documents is missing or improperly issued, we'll tell you in the assessment: it's the mistake that sinks the most lawsuits before they start.
06Can the debt become time-barred?
Yes, and the time limits vary by country and type of instrument. That's why the first thing we check when we receive a portfolio is the age of each obligation and what actions interrupt the statute of limitations. A stalled portfolio loses value every month, and there comes a point when it can no longer be claimed.
07What precautionary measures can be requested against the debtor's assets?
Depending on the jurisdiction and what the asset investigation turns up: freezing of funds, attachment of movable and real property, prohibition on transfer of assets, and seizure. They're requested when asset tracing confirms there is something real to secure payment against; requesting them blindly only alerts the debtor.
08How is the debtor's personal data protected?
We process the data solely for the collection work entrusted to us, under a confidentiality agreement and with role-based restricted access. Every contact is logged and auditable, both for your institution and in response to any request from the data subject.
09Do you work outside Ecuador?
Yes. We have our own teams in Ecuador, Peru and Colombia. A single portfolio can span all three jurisdictions with a single point of contact on your side.
Free assessment
Tell us what portfolio you have stalled.
We'll tell you what's recoverable and through which route. The assessment is free and doesn't commit you to anything.