Ecuador · Peru · Colombia ES Free assessment ↗

Legal collections: when the amicable route is exhausted

Not every portfolio can be recovered through negotiation. When the debtor stops responding, systematically breaks agreements, or the amount justifies the litigation investment, legal action stops being the last resort and becomes the right decision. We handle the entire process: from case assessment to enforcement of the judgment.

01 / Proceedings we handle

Three routes, and choosing wrong is costly

The route determines the time, the cost and the real likelihood of collecting.

The fast track

Executory proceeding

For obligations backed by enforceable instruments. It is the shortest route when the documentation is in order.

When it appliesPromissory note, bill of exchange, secured contract

Smaller claims

Payment-order proceeding (monitorio)

For documented obligations without an enforceable instrument, when the amount does not justify a lengthy proceeding.

When it appliesInvoices, account statements, emails

Contested

Ordinary proceeding

For cases that require a prior declaration of the right or that face a substantive dispute over the obligation.

When it appliesDisputed debt, challenged guarantees

Choosing the route is not a formality. That is why every case is assessed before filing suit: instrument, amount, documentation and traceable assets. If the case file will not hold up, we tell you.

02 / Precautionary measures

Secure assets before you win

Winning a lawsuit against a debtor with no assets is winning a piece of paper. The difference between a favorable judgment and money recovered almost always lies in precautionary measures and when they are requested.

We pursue attachments and prohibitions on transfer of the identified assets at the right procedural moment, so the debtor’s estate is not emptied while the case moves forward. When the debtor has assets that are not visible at first glance, the case is supported by our asset tracing.

Every asset secured is an asset that can no longer be sold.

03 / JAMAIL™ · AI agentLive reporting
JAMAIL, FEXCOB's artificial intelligence agent
ActiveJAMAIL™Smart management of litigated portfolios
Our first AI collections agent

JAMAIL™ in legal collections.

In every court case, JAMAIL™ reads the case data, keeps the procedural status up to date and tells you what happened, without waiting for the month-end report. Our lawyers litigate; JAMAIL™ makes sure nothing slips through the cracks.

Analyzes court data

Reviews every case in your portfolio to know where it stands and what comes next.

Updates case statuses

Each case is updated in your report as soon as there is any activity.

Writes messages and emails

Drafts the communications for each case for the team to review and send.

Reports to you live

You see the progress of every lawsuit in real time, without calling the lawyer.

JAMAIL™ / Client report · illustrative example
LiveJAMAIL™ activity
01
Court data

Reviewed case files and updated procedural statuses.

Now
02
Drafting

Prepared case communications for review.

Today
03
Your report

Updated with the latest activity in each case.

Live
Meet JAMAIL™ ↗
04 / The litigation path

From case assessment to money back

Four stages. The third one decides the outcome.

01

Assessment

We review the instrument, the amount and whether the debtor has assets.

02

Lawsuit

Executory, payment-order or ordinary, depending on what the case file can support.

03

Measures

Attachment and prohibition on transfer of assets, at the right procedural moment.

04

Enforcement

Judicial auction or settlement, and the money back in the portfolio.

05 / Deadline control

More is lost to missed deadlines than to weak arguments

The alert goes off ahead of time, not on the due date.

We monitor the critical deadlines in every case file centrally and with alerts, not at the discretion of the lawyer handling the case.

For a portfolio of hundreds of simultaneous cases, that operational difference is what separates a litigation operation that recovers money from one that merely piles up open lawsuits.

06 / Visibility for the creditor

Your litigation portfolio, without having to call the lawyer

The most common complaint from risk departments is not knowing where their litigation portfolio stands. We solve it with access to information and real-time updates: procedural status of each case, upcoming steps, measures in place and recovery forecast.

And underneath it all, the portfolio audit that sets what to sue first, and the pre-legal collections that keep running in parallel while an agreement is still possible.

07 / FAQ

What we're always asked

Ask another question ↗
01When is it better to sue and when to keep negotiating?

It depends on the amount, the quality of the documentation and whether the debtor has traceable assets. A lawsuit against an insolvent debtor with no assets is usually an expense, not an investment. That is why we assess every case before recommending legal action.

02Can written-off debt be recovered?

Yes. A portfolio written off for accounting purposes remains legally enforceable as long as the statute of limitations has not run. It is one of the segments where the most value is recovered, precisely because the institution has already given it up as lost.

03What if the obligation is about to become time-barred?

That is the first thing we check. The portfolio audit identifies statute-of-limitations and nullity risks so we can prioritize the cases where there is still time to act.

04In which countries do you handle court proceedings?

Ecuador, Peru and Colombia, with our own lawyers in each country and a single case file for the creditor, with no correspondent firms.

08 / 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.

Leaders League — Ranked Firm 2026
01 · Paris · Annual ranking

Leaders League

Ranked Firm 2026

A distinction awarded from Paris. Each year it ranks the top asset recovery firms in Latin America.

Chambers and Partners · Top Ranked Latin America 2026
02 · International legal directory

Chambers and Partners

Top Ranked · Latin America 2026

One of the most influential legal directories in the world. Its ranking is built by interviewing each firm's clients.

Great Place to Work certification
03 · Workplace culture

Great Place to Work

Certified · Ecuador

International workplace culture certification. A stable team manages your portfolio better.

ISO 37001 anti-bribery certification
04 · Anti-bribery management system

ISO 37001

Certified · Anti-Bribery

International 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.

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Three countriesEcuador · Peru · Colombia