Real collectability
What supporting documents exist, which guarantees are enforceable and what ability to pay the debtor has. The result is a snapshot of how much of that portfolio is recoverable money and how much is just a book balance.
Portfolio audit: know what is truly collectable
Most institutions don't have a collections problem: they have an information problem. They don't know which part of their past-due portfolio is recoverable, which part is at risk of becoming time-barred and which part isn't worth pursuing. Without that assessment, resources are spread evenly between cases that pay off and cases that never will.
01 / What we assess
Three questions your balance sheet can't answer
Accounting tells you how much is owed. The audit tells you how much can be collected.
Statute-of-limitations and nullity risk
The finding that most surprises risk committees: obligations about to become time-barred and contracts with defects that would make them unenforceable in court. Each one is a loss that can still be avoided if detected in time.
Segmentation by profile and bucket
We classify the portfolio so effort goes where it produces results. Not every debtor deserves the same strategy or the same collection cost.
02 / The missing picture
Stop spreading effort evenly
Without segmentation, the same collection intensity is applied to a case with an enforceable guarantee and to one whose contract won't stand up in court. One of the two always loses out, and it's almost never the one you think.
The audit splits the portfolio into tranches with different destinations: what can still be recovered through collection efforts, what requires legal action, what is at risk of becoming time-barred and what has no real probability of collection.
With that breakdown in hand, provisioning, write-off or sale decisions are no longer made based on portfolio aging alone.
Illustrative proportions. The actual composition depends on each portfolio, and that is exactly what the audit establishes.
Provisioning level
Portfolio write-off
Portfolio sale
03 / JAMAIL™ · AI agentLive reporting
Our first AI collections agent
Meet JAMAIL™ ↗
JAMAIL™ in the portfolio audit.
During the audit, JAMAIL™ analyzes your portfolio data and each court case to show you what is collectable, what stage each case is at and which route is best to move forward. The result isn't a report that goes stale: it's a report you check live.
Analyzes court data
Reviews every case in the portfolio and its actual status.
Updates case statuses
Each case is classified with its latest filing.
Organizes the portfolio
Separates what is collectable from what isn't and proposes the route for each case.
Reports to you live
The assessment lives in a report you can check whenever you want.
LiveJAMAIL™ activity
01
Court data
NowReviewed the portfolio's cases and their status.
02
Analysis
TodayClassified cases by recovery route.
03
Your report
LiveAssessment available live.
04 / What it's for
Decisions backed by evidence
The audit exists to support five specific decisions.
Resource prioritization
Focus collection efforts where there is a real probability of payment.
Cost optimization
Stop spending on portfolio that won't pay off.
Provisioning decisions
Support the level with evidence of collectability, not just aging.
Write-off decisions
Determine what should be written off and what can still be worked.
Portfolio sale
Value a portfolio with sound judgment before negotiating its price.
05 / What you get
A report you can act on
Not a general assessment: three concrete deliverables.
01
Full segmentation
The portfolio classified by profile, bucket and risk, with the estimated collectability of each tranche.
02
Cases nearing time-bar, prioritized
The list of at-risk obligations, sorted by urgency. This is the part that usually justifies the entire audit.
03
Recommended strategy by segment
What to do with each tranche, whether your in-house team or a dedicated team carries it out.
06 / FAQ
What we're always asked
Ask another question ↗01Do I have to hire collection services after the audit?
No. The audit is contracted independently and the report is yours, whether you use it with us, with your in-house team or as the basis for collections outsourcing.
02Does it work for written-off portfolios?
Especially. That's where recoverable value the institution had given up on turns up most often, because a write-off is an accounting decision, not an extinguishment of the obligation.
03What information do you need to get started?
The portfolio database and access to supporting documentation for a representative sample. The exact scope is defined during the initial review.
04Does it apply to commercial, non-financial portfolios?
Yes. We work with banks, credit unions and commercial businesses.
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.
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