Ideas to recover more of your portfolio
Practical guides on debt collection, regulations and portfolio management in Ecuador, Peru and Colombia, written by the FEXCOB team.
Asset tracing: how a debtor's assets are legally located
Which public records can be searched, why bank accounts are protected by secrecy and when it pays to trace assets before suing.
September 5, 2026↗What a collections agent can do under the law
Hours, frequency and who can be contacted: what Ecuadorian law allows in collection efforts and how to do it right.
September 5, 2026↗Receivables recovery in condominiums: how property managers collect
The manager's certificate is an enforceable instrument by law. What Law 675 (Ley 675) allows, which penalties for arrears are not permitted and why the portfolio becomes time-barred in layers.
September 5, 2026↗Collections at credit unions: what the regulations require
Rating by delinquency, write-offs, qualified providers and joint liability for how members are treated. What sets a credit union apart from a bank.
September 5, 2026↗Sell the portfolio or work it: what makes sense depending on delinquency status
The four factors that decide between selling the portfolio and working it, and why without documents no sale is possible.
September 5, 2026↗How a debt collection agency works: what it does, what it charges and what to demand
What it really does, how it charges and the five things you should demand before handing over your portfolio: qualification, contact limits and a data agreement.
September 5, 2026↗The metrics a collections manager should check every week
Six weekly metrics to know whether your collections team is gaining or losing ground, and the mistake of measuring against an uncleaned portfolio.
September 5, 2026↗How to build a credit and collections policy that reduces delinquency
Who approves credit, which document gets signed, how collection escalates and which legal limits your team must respect in Ecuador.
September 5, 2026↗When to send a debt to legal collections
Enforceable instrument or payment-order procedure, what the COGEP (General Code of Procedure) requires and the five conditions that make litigation pay off. Plus the four cases where it's better to wait.
September 5, 2026↗Written-off portfolio: what it is, when debt is written off and why it can still be recovered
In the books of a bank or credit union, “writing off” a loan sounds like the end of the road. The loan comes off the balance sheet, the provision has already been made, and the case stops appearing in the risk unit's reports. For many institutions, that's the end of the story. It isn't. A write-off is an …
September 5, 2026↗How to collect overdue invoices without losing the customer
Don't let sales do the collecting, escalate the tone in stages and keep a record of everything. The method for collecting overdue invoices without breaking the business relationship.
September 4, 2026↗A customer won't pay me: what a business in Ecuador can do, step by step
Document, negotiate firmly and only then go to court. The two COGEP (General Code of Procedure) routes for collecting in Ecuador and the mistakes that cost you the debt.
September 4, 2026↗Start a strategic recovery of your portfolio
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