The recovery of credits is the action that aims to return or paying claims that are in good standing, past due or in default, by notification to the debtor, with the aim of settling within a specified period. This operation is extrajudicial and usually made by companies and professionals with experience in collection of outstanding claims. With the increase in bad loans, financial institutions and companies choose to use the credit recovery companies services, to recover the amounts granted and avoid the costs of litigation.
The overdue loans recovery is now a huge fruit challenge the current economic climate, the need to reduce the risk associated with credit and the need to improve the cash flow of the companies. In fact, the extra-judicial settlement of the shortcomings is not only economically interesting against most debt situations but also, in many circumstances, protect the trade relationship with customers, ensuring their loyalty.