Banks and lenders
Consumer, microcredit and commercial portfolios, with the level of traceability and reporting a regulator demands.
- Collections at every stage
- Auditable reports
- API integration
Who trusts us with their portfolio
Banks, credit unions and businesses in Ecuador, Peru and Colombia. In more than twenty years we have recovered more than USD 20 million for them, with our own team in each country and collection work that is documented and auditable from start to finish.
01 / Who we serve
Three different worlds, one discipline
Each sector has its own regulations, its own relationship with the debtor and its own way of measuring results.
Credit unions (savings and credit cooperatives)
A member isn't just any debtor: we collect without breaking the bond, with the legal framework for debtor protection front and center.
- Member portfolios
- Written-off portfolio
- Treatment that protects the relationship
Businesses and retail
Overdue invoices, breached contracts and receivables spread across many small customers that no one in-house has time to chase.
- Invoices and contracts
- Department outsourcing
- Many-customer portfolios
02 / Clients
Some of our clients. Banks, credit unions and businesses.
Banco Pichincha
Banco Bolivariano
Banco del Austro
Cooperativa Luz del Valle
Cooperativa JEP
CACEBCE
Almacenes Mirna
Banco PichinchaBanco BolivarianoBanco del AustroCooperativa Luz del ValleCooperativa JEPCACEBCEAlmacenes Mirna03 / Portfolios we manage
From accounts not yet due to those already given up for lost
We take on portfolios in any condition. What changes is the route.
01
Not yet due
Not delinquent yet. We send reminders and document everything.
02
Early delinquency
The first missed payments, while there is still willingness to pay.
03
Late-stage delinquency
A formal, enforceable agreement is negotiated.
04
Written-off portfolio
Provisioned and given up for lost: there is still money to collect here.
05
In litigation
Lawsuit, precautionary measures and enforcement.
We don't work with a fixed timetable of our own: when to move from one route to another is determined by the contract, each country's regulations and what the file itself shows.
Results
+USD 20million recovered
For banks, credit unions and businesses across the region.
Years in operation+20
Countries3
Own offices5
05 / How it starts
Before you sign anything, we tell you what is collectable
Four steps, at no cost until you decide.
Assessment
We look at your portfolio and tell you what is collectable and through which route. Free of charge.
Agreement
Proposal, confidentiality and collection rules in writing.
Kickoff
The portfolio is loaded, segmented by risk and collection work begins.
Reporting
You see recovery, DSO, cost and promises kept, not call counts.
06 / 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.
07 / 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.
Next step
Start a strategic recovery of your portfolio
Talk to our specialists today.
Freeyour portfolio assessment
No commitmentyou decide afterward
Three countriesEcuador · Peru · Colombia