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.
Pre-legal collections: recover without going to court
Most of a past-due portfolio can be recovered without setting foot in a courtroom. The problem is rarely the route; it is the execution. Misdirected contacts, agents with no legal judgment, payment promises nobody verifies, and collection activity nobody can reconstruct afterward. We run structured, empathetic collections with a specialized call center, certified agents and an omnichannel strategy.
01 / Omnichannel strategy
Four channels, and a rule for choosing
We work across calls, WhatsApp, SMS and email. The difference is not how many channels are used, but how we decide which one to use.
Our models determine the best channel, message and timing for each debtor, based on their profile and payment behavior.
That translates into three measurable results: more right-party contacts per action, lower cost per recovery and less strain on the debtor.
A debtor who never answers calls but replies on WhatsApp should not get fifteen calls.
02 / How we work
Four decisions before dialing the number
Collections that produce activity and collections that produce recovery look very similar from the outside.
01
Segment before contacting
Every portfolio is segmented by risk and propensity to pay. Treating everyone the same wastes resources on some and burns the relationship with others.
02
Negotiate with real room
Flexible agreements, matched to verifiable ability to pay. A well-built agreement gets honored; an imposed one breaks by the second month.
03
Verify every promise
Every promise to pay is logged, tracked and measured. Promises kept versus promises made is the metric that separates one collection operation from another.
04
Leave the case file ready
Every call, message and agreement is logged. If the case escalates to legal action, nothing has to be reconstructed.
03 / JAMAIL™ · AI agentLive reporting
Our first AI collections agent
Meet JAMAIL™ ↗
JAMAIL™ in pre-legal collections.
In pre-legal collections, JAMAIL™ contacts your delinquent customers through the right channel, prepares each message and email for the case, the team reviews it before sending, and every attempt is logged. You see live what was worked, how each customer responded and what agreements were reached.
Contacts your delinquent customers
Call, WhatsApp, email or SMS, through the channel and at the time each profile responds to.
Writes messages and emails
Each communication is drafted for the case and reviewed by the team before it is sent.
Analyzes portfolio data
Prioritizes the portfolio so effort goes where it pays off most.
Reports to you live
Actions, responses and agreements, in real time.
LiveJAMAIL™ activity
01
Contact
NowSent WhatsApp and email reminders to delinquent customers.
02
Drafting
TodayPrepared payment agreement proposals.
03
Your report
LiveActions and agreements updated live.
04 / Compliance and reputation
Poorly handled collections cost more than the debt
Every action is checked against these rules. That is the difference between auditable collections and a complaint to the regulator.
For a financial institution, an inappropriate contact is not just a lost case: it is a complaint to the regulator, a public review and a reputational risk that costs far more than the disputed balance.
All collection activity is carried out under LOPDP personal data protection protocols and our own compliance frameworks, which define what can be said, to whom, at what times and how often.
Our ISO 37001 certification, unique in the region for this type of service, addresses exactly that concern.
Channel permitted for that debtor
Within authorized hours
Frequency under the protocol limit
Data processed under LOPDP
05 / What FEXCOB reports
Real-time dashboards, not activity reports
A provider that reports “actions taken” is measuring its own effort.
Effective recovery
By delinquency bucket and portfolio segment.
DSO and delinquency trend
How the metric moves month to month, not just the balance.
Promises kept
Versus promises made. It shows which collections actually work.
Cost per recovery
What each dollar collected costs.
Contact rate by channel
Which channel is working for which debtor profile.
06 / FAQ
What we're always asked
Ask another question ↗01What types of portfolios do you work on?
Portfolios from banks, credit unions and commercial companies in Ecuador, Colombia and Peru. We handle both early-stage buckets and seriously delinquent accounts, including written-off portfolios.
02How long does implementation take?
We can start working from portfolio files immediately. API integration with your ERP, CRM or payment gateway usually takes just a few days.
03What if the debtor does not respond on any channel?
That is when we assess escalation. Depending on the amount and profile, the case moves to asset tracing to locate assets, or straight to legal action.
04Are your agents in-house or outsourced?
In-house and certified. Training and quality control are internal, because that is the only way to answer for what is said on every contact.
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.
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