04 — COLLECTIONS & CREDIT
We recover what you already sold.
Early-stage, extrajudicial and legal recovery for banking, retail, services and corporate credit — with portfolio scoring and regulated debtor treatment.
$1.84B
Portfolio under management (MXN)
78%
Contact rate
14 d
To first payment
0.4%
Complaints per 1,000 contacts
Cumulative recovery by stage
Share of total balance placed for recovery
Day 0Day 30Day 60Day 90Day 180
Portfolio mix
By creditor sector
Banking & consumer credit41%
Retail & trade credit24%
Services & subscriptions18%
Corporate B2B17%
The four stages
PREVENTIVE
Before due date
Reminders and payment options that keep the account out of arrears.
EARLY
1–90 days
Omnichannel contact and payment agreements — where most of the balance is recovered.
EXTRAJUDICIAL
91–360 days
Structured negotiation, authorised write-downs and restructures with notarial follow-up.
LEGAL
360+ days
Commercial litigation with partner firms — only where scoring justifies the cost.