Quito
Av. Naciones Unidas E2-30 y Núñez de Vela, Edif. Metropolitan. Main office: 15th floor, office 1504.
Debt collection agency in Ecuador
FEXCOB has operated in Ecuador for more than twenty years, with its own offices in Quito and Guayaquil. We work for banks, credit unions and commercial companies across the country.
01 / Ecuador
The landscape Ecuadorian creditors face
Delinquency at large credit unions reached 8.3% in June 2026, according to the SEPS (Superintendency of Popular and Solidarity Economy), up from 6.42% in June 2023. Microloans reached 10.81%.
Behind those figures is an operational reality: portfolios that grew faster than the capacity to manage them, overwhelmed in-house teams, and provisioning decisions made on accounting data rather than collectability data.
02 / Ecuador
The framework we work within
Debt collection in Ecuador is not a rule-free zone, and that is where improvised providers most often go wrong.
Three different supervisory frameworks coexist within a single Ecuadorian portfolio. A provider that cannot tell them apart creates liabilities.
Differentiated supervision
The Superintendency of Banks (Superintendencia de Bancos) and the Superintendency of Popular and Solidarity Economy (Superintendencia de Economía Popular y Solidaria) each have their own criteria for risk rating, provisioning and write-offs.
Personal data protection
All collection activity is carried out under LOPDP (personal data protection law) protocols.
Court proceedings
Executory, payment-order (monitorio) and ordinary proceedings, with precautionary measures such as attachments and prohibitions on transfer of assets.
03 / Offices
Our offices
Guayaquil
Av. 9 de Octubre y Los Ríos, Edificio El Marqués, piso 4, oficina 2.
04 / Ecuador
What we do in Ecuador
All our services operate in the country: preventive collections, pre-legal and legal collections, asset tracing, legal outsourcing, portfolio audits and training.
05 / Ecuador
Why FEXCOB in Ecuador
We work with Banco Pichincha, Banco Bolivariano, Banco del Austro, CACEBCE, Cooperativa JEP and Cooperativa Luz del Valle, among others.
We are the only firm in the region with ISO 37001 certification for anti-bribery management, we are Great Place to Work certified, and we were recognized by Leaders League from 2020 to 2025 in asset recovery.
06 / Ecuador
Frequently asked questions
Ask another question ↗01Do you serve clients outside Quito and Guayaquil?
Yes. The offices are our operating base, but our collections cover the entire country.
02Do you work with small credit unions?
Yes. The strategy is tailored to the size and structure of the portfolio.
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.
Contact us in Ecuador
Let's talk about your portfolio
We tell you what is recoverable and through which route. Free and with no commitment.
Freeyour portfolio assessment
No commitmentyou decide afterward
Three countriesEcuador · Peru · Colombia