Debt collection agency in Quito

For outsourced collections, the norm in Ecuador is a commission on what is actually recovered, and the percentage varies with the age of the delinquency and the type of portfolio: a 30-day portfolio isn't collected the same way as one written off three years ago. At FEXCOB we review the portfolio first and only then propose a fee structure. If we don't recover, you don't pay a commission.

Pre-legal collections seek an agreement: contact, negotiation and a payment arrangement without going to court. It's faster and much cheaper. Legal collections begin when the debtor doesn't respond or when there are assets to secure, and involve a lawsuit, precautionary measures and procedural deadlines. The sensible approach is to exhaust the out-of-court route and take to court only what the asset investigation shows is recoverable.

Our Quito office is in Edificio Metropolitan, on Av. Naciones Unidas, and from there we cover Pichincha and coordinate the rest of the country. We also have our own office in Guayaquil, and operations in Bogotá and Lima for regional portfolios.

With processes certified under ISO 37001 anti-bribery, scripts and channels approved by the client, call recording and traceability, and strict compliance with Ecuador's legal framework protecting debtors. All collection activity is documented and auditable.

In preventive collections and early-stage delinquency, the first payment agreements usually come within the first few weeks. With written-off portfolios the horizon is longer, because the debtor must first be located and checked for assets. That's why we always start with a portfolio audit: we tell you what's realistic to expect before you sign anything.