In emergia In emergia we offer solutions dedicated to the collection of unpaid fees, friendly or non-contentious, with the clear objective of making sure the debtor voluntarily pays as soon as possible.
Immediate action raises the chances of collection to 80%.

Through experienced collection managers, emergia has the capacity of acting from the first rejection until all the possibilities of friendly collection have been spent, using for this purpose the most appropriate channels depending on the seniority of the debt, the customer´s history and the proven effectiveness. We have programs for the development of skills necessary to request the payment in a direct and natural way, avoiding conflictive situations, but forcing the debtor to fulfill his obligations.

The identification of the debtor´s profile is fundamental for the application of the appropriate negotiation; therefore, the segmentation according to the type and definition of success expectations at first contact is crucial.

Credit cards DiscoveredUnpaid installments:
personal, consumption, mortgage, car loans...
Individual Professionals Legal Person
Intentional Fortuitous Vague Vindictive
Import Seniority Solvency

Our solutions for non-contentious collection are summarized in the following key aspects:

1. Analysis and segmentation
  • Strategy
  • Specialization
  • Prioritization guidelines
  • Etc.
3. Manager profile
  • Selection
  • Training
  • Skills development
  • Etc.
5. Untraceable
debtors management

2. Argumentation
  • Persuasive communication
  • Collective negotiation
  • Allowed policies of payment
  • Etc.
4. Speed and pro-activeness
  • Immediacy
  • Regularity
  • Progressiveness
  • Constancy
  • Credibility