First days past due
The debtor still responds to contact and the conversation does not start from conflict. This is the window where every action pays off most.
Preventive collections: act before delinquency gets expensive
Once an obligation falls into arrears, every day that passes lowers the chance of recovering it. Collecting early costs a fraction of collecting late and does not wear down the business relationship. We step in while the credit can still be recovered amicably, with a legal and financial assessment that defines what can be demanded, how and with what backing.
01 / When it makes sense
Four signs that there is still time
Preventive collections do not apply to the entire portfolio. They apply to this part.
Temporary difficulty
Customers who have always paid and are going through a rough patch. Here the goal is not to apply pressure: it is to restructure without losing the customer.
The same debtor every quarter
When the problem is not willingness to pay but the structure of the agreement, the balance keeps coming back. Fix the agreement, not just the balance.
Guarantees never reviewed
Transactions whose contractual terms nobody examined in detail. If the backing will not hold up, pressing on it is wasted time.
If your portfolio already shows advanced delinquency or debtors who have stopped responding, the right starting point is pre-legal collections.
02 / The window that decides
Collecting early costs a fraction
The likelihood of recovery does not drop all at once: it drops every day. Each delinquency bucket that passes requires more effort, more cost and more structure to collect the same dollar.
That is why the key decision is not how to collect, but when to start. A portfolio worked from the first days past due needs less intensity, less escalation and less litigation.
Once that window has passed, the right order is to start with a portfolio audit that identifies which part can still be collected amicably.
The later you step in, the more it costs to recover. Preventive collections work on the left side of the curve.
03 / How we work
Three moves, in this order
Order matters: contacting before reviewing is the most common mistake.
01
Legal and financial assessment
Before contacting anyone, we review contracts, guarantees and credit terms to establish what is legally enforceable and with which instruments.
02
Formal demands
Communications that serve two purposes at once: securing payment and creating a record. Every demand is logged and can be used if the case escalates.
03
Enforceable agreements
An agreement the debtor cannot meet is just a postponement. It is structured around real ability to pay and drafted to be enforceable.
04 / What your institution gets
What changes in your operation
Fewer average days past due
Early intervention shortens the recovery cycle and improves cash flow.
Less repeat delinquency
By fixing the structure of the agreement and not just the balance, the same debtor stops reappearing every quarter.
Fewer escalations to court
Every case resolved at the preventive stage is a lawsuit that never gets filed, with the time and cost savings that implies.
Business relationship intact
A customer who pays without feeling harassed remains a customer.
Full traceability
All collection activity is documented under personal data protection protocols.
05 / FAQ
What we're always asked
Ask another question ↗01How do preventive collections differ from pre-legal collections?
Preventive collections address obligations in early delinquency, where the debtor still responds and the business relationship can be preserved. Pre-legal collections step in when delinquency is already entrenched and a more intensive contact strategy is needed. Many portfolios need both, in sequence.
02Can it be applied to a portfolio that is already several months past due?
It can, but performance drops. Preventive collections perform best the earlier the intervention. For seriously delinquent portfolios, we recommend starting with a portfolio audit to identify which bucket can still be collected amicably.
03How is the customer relationship protected during collections?
With defined contact protocols, certified agents and quality control over communications. All collection activity is carried out under the personal data protection laws applicable in each country.
04Do systems need to be integrated to get started?
Not to get started. We can work from portfolio files on day one and, in parallel, set up API integration with your ERP or CRM, which usually takes just a few days.
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.
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Three countriesEcuador · Peru · Colombia