Credit recovery
- Team focused exclusively in the area of default and credit recovery.
- Research and investigation, to uncover fraud and deceits, identifying hidden assets to obtain, with practical and very effective field measurements, extremely positive results in the recovery of defaulted loans.
- Application of methodology based on the information to the detriment of obsolete and outdated techniques that have become harmful to credit recovery process.
- Expertise in market credit recovery in order to optimize the recovery procedure as follows:
- Negotiating Collection
Consists in the written notification of the debtor, with the presentation of the debt and payment request; that is the necessary relationship to receive the credit. - Extensive Collection
At this stage happens the search for true awareness of the debtor to the negotiation process, guided and supervised by the legal department, together with the collection on the spot. - Special Collection
It aims to ensure greater effectiveness in the receipt of claims from customers and seek to negotiate through the Legal Department, including technical reports which explain the content of the negotiations. - Intermediate Collection
With the objective to reduce the time and avoiding court costs for customers, Ardanaz Society of Lawyers makes use of an innovative billing system recently introduced in the Judiciary of São Paulo, which consists in seeking the credit recovery quickly and efficiently. - Judicial Recovery
Even with all efforts that are spent in extrajudicial proceedings, which may be unsuccessful; there is the possibility of a settlement of the judicial level. The office has implemented measures in order to protect the credit interests and psychological effects of their customers, informing them of the whole procedure by updated reports.
- Formalizing its own and specialized procedure of credit recovery, as the default profile of the portfolio.