EXTRAJUDICIAL Collection – Delayed Arrears

• Management service debt collection with a delay that ranges from 121 to 360 days.
  
  
• Case management based on regular assignments, which deals with so-called personalized, interactive and automatic, and contacts via SMS.
  
  
• In turn, the management strategy is complemented by the sending of letters with some frequency.
  
  
• Runs parallel with the task of skip-trace (data enrichment), which is critical in this segment in order to: - Improve the collection of debt by increasing the recovery after 100 days in arrears. - Optimize the costs of collection. - Reduce risk of default forecasts.
  
  
• The outsourcing of this management can increase the recovery through the competition between different companies in collection management.
  
  
• The contracting modality is mainly based on "success" in a time window.