Preventive collections
We call while the customer is still a customer.
Ten ways to recover your portfolio
Legal, operational and analytical services designed to maximize collections at every stage of delinquency — from the preventive reminder to court enforcement. With our own team in Ecuador, Peru and Colombia, and the same case file from start to finish.
01 / When each one comes in
Delinquency has stages, and each has its path
Four situations, four responses.
Pre-legal collections
AI chooses the channel, the message and the time.
Legal collections
Lawsuit, precautionary measures and enforcement.
Asset tracing
The debtor and their assets are located.
02 / FEXCOB services
Ten services, one portfolio
Each one addresses a different moment. Click any of them to see its full page.
01 · Before the due date
Preventive collections
We reach out before the due date, while the customer is still a customer.
See service↗ 02 · Already past duePre-legal collections
AI decides the channel, the message and the timing.
See service↗ 03 · No agreement reachedLegal collections
Lawsuit, precautionary measures and enforcement, with our own lawyers.
See service↗ 04 · Can't be foundAsset tracing
We find the debtor and their assets when no one else can.
See service↗ 05 · Your department, our operationCollections outsourcing
We run your collections department under your brand and your rules.
See service↗ 06 · AssessmentPortfolio audit
What's collectible, what's about to be time-barred and what paperwork is missing.
See service↗ 07 · ISO 37001Training and compliance
We train your team and leave every action audited.
See service↗ 08 · By sectorCollections for banks
We move the needle without touching your reputational risk.
See service↗ 09 · By sectorCollections for credit unions
We recover without breaking the bond with the member.
See service↗ 10 · By sectorCollections for companies
Recover what you've already sold, without burning the customer.
See service↗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.
01
Risk-based segmentation
Payment propensity models that rank the portfolio by real likelihood of recovery, not by age.
02
Omnichannel orchestration
Next best action: the system chooses the channel, message and timing of every contact — call, WhatsApp, SMS or email.
03
Self-service and online payment
Portals where debtors check their balance and secure payment links available around the clock, without depending on an agent.
04
Real-time dashboards
DSO, kept promises and cost per recovery, visible to the client at all times. We report results, not activity.
05
API integration
Connection to your ERP, CRM and payment gateways in a few days, without slowing operations or duplicating data entry.
Technology does not replace the legal team: it tells them where to focus and keeps a record of every action.
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.
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 / 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
Start a strategic recovery of your portfolio
Talk to our specialists today.
Freeyour portfolio assessment
No commitmentyou decide afterward
Three countriesEcuador · Peru · Colombia