Risk-based segmentation
Payment propensity models that rank the portfolio by real likelihood of recovery, not by age.
Debt collection with artificial intelligence
Artificial intelligence doesn't collect: it decides where it's worth pressing. At FEXCOB it prioritizes the portfolio before the first contact, chooses the channel, message and timing of every action, and records everything so you can see results live.
Technology does not replace the legal team: it tells them where to focus and keeps a record of every action.
01 / JAMAIL™ · AI agentLive reporting
Our first AI collections agent
Meet JAMAIL™ ↗
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.
Analyzes court data
Reviews every case in your portfolio to know where it stands and what comes next.
Updates case statuses
Every case is kept up to date in your report, without waiting for the end-of-month report.
Contacts your delinquent customers
Call, WhatsApp, email or SMS, using the channel and time each profile responds to.
Writes messages and emails
Drafts each message for the specific case; the team reviews it before it goes out.
LiveJAMAIL™ activity
01
Court data
NowReviewed case files and updated procedural statuses.
02
Contact
TodaySent WhatsApp and email reminders to delinquent customers.
03
Your report
LiveUpdating live.
02 / What the model does
AI doesn't collect: it decides where it's worth pressing.
What the model does, specifically: your portfolio goes in as it is and comes out organized, with a path for every case.
In
Portfolio as it isCourt filesContact dataPayment history
JAMAIL™ organizes and decides
Out
Collect nowHigh likelihood of payment
NegotiateAgreement and payment plan
Legal actionWith enforceable instrument and assets
Close in timeFrees up budget
01
Chooses the channel and the time
It doesn't call everyone at ten in the morning. The model learns when and through which channel each profile responds, and that's where it makes the attempt.
02
Ranks by likelihood of payment
Propensity models that move to the top of the list the cases where the same effort pays off most.
03
Sets aside dead-end cases
Time-barred debt or incomplete documentation is identified from the start, so effort is focused where recovery is possible.
04
Records everything
Every attempt, every response and every agreement is tracked and available for audit, whether yours or the regulator's.
03 / The platform
A portfolio goes in, and comes out organized.
Artificial intelligence to decide, a leading U.S. collections CRM to execute, and Business Intelligence to measure what is actually recovered.
Omnichannel orchestration
Next best action: the system chooses the channel, message and timing of every contact — call, WhatsApp, SMS or email.
Self-service and online payment
Portals where debtors check their balance and secure payment links available around the clock, without depending on an agent.
Real-time dashboards
DSO, kept promises and cost per recovery, visible to the client at all times. We report results, not activity.
API integration
Connection to your ERP, CRM and payment gateways in a few days, without slowing operations or duplicating data entry.
04 / Omnichannel strategy
One conversation, not five calls.
We integrate and coordinate every contact channel into a single conversation, so the debtor has a unified experience rather than a chain of repeated calls.
A complete view of the customer: contact adapts to their behavior and preferences. And every attempt is recorded, so the process doesn't restart when the channel changes.
360° · one fileCallWhatsAppSMSEmailChatbot
05 / What you get
We report results, not activity.
Four figures visible at all times, not a monthly report with the number of calls made.
Effective recovery
How much actually came in, not how many actions were taken.
DSO
The days it takes to collect, and how that moves month to month.
Cost per recovery
What each recovered dollar costs, so you know whether the chosen path pays off.
Promises kept
What share of the agreements reached ended in payment.
And underneath, full traceability: every contact, every response and every agreement is recorded and available for audit — yours or the regulator's.
06 / AI + people
Technology doesn't replace the legal team.
It tells them where to focus and keeps a record of every action. Behind JAMAIL™ there is an in-house call center, field agents, lawyers and financial analysts, all on payroll.
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.
Next step
Try debt collection with artificial intelligence
Tell us which portfolio is stalled. We'll tell you what is recoverable and through which path, at no cost and with no commitment.
Freeyour portfolio assessment
No commitmentyou decide afterward
Three countriesEcuador · Peru · Colombia