The Firm has a dedicated division specialising in the management and recovery of non-performing loans (NPLs). The management, both judicial and out-of-court, of distressed receivables portfolios (unsecured NPLs and secured credits) originated by banks, financial institutions and utilities, is carried out through operational processes aimed at accelerating recovery timelines and optimising management procedures.
Legal and procedural analysis
- analysis and assessment of legal and procedural profiles;
- recovery methodology and analysis of the issues relating to the enforcement phase.
Credit and collateral analysis: due diligence
- type of receivable to be acquired (trade, financial, banking, utility receivables, etc.);
- vintage and ageing of the receivable;
- geographical distribution;
- collateral and security analysis;
- pricing.
Out-of-court recovery activities
- debtor assessment;
- formal notice of default;
- telephone follow-up;
- written correspondence follow-up.
Judicial recovery activities
- assessment of recovery potential, including identification of the expected cash flows arising from the scheduling of the various Courts, based on forecasting models;
- management of enforcement and insolvency proceedings through our network of over 200 attorneys across the national territory.
Reporting and performance
Portfolios are monitored through an operational KPI dashboard, which allows us to measure results on each portfolio, compare them with the targets agreed with investors and continuously optimise recovery strategies.
Who we assist
Banks, financial institutions, securitisation vehicles, servicers, investors in non-performing and unlikely-to-pay credit, and utilities with receivables to be managed or recovered.