Effico, a 100% Grupo BNP - Paribas subsidiary, has cultivated a know-how in the field of amicable and legal collection that, with the potency of its methods and a financial strength, make it an exceptional partner.

Effico counts on a proper work philosophy, reflected in a specific method and vanguard technological structure. The consequences of a deficient or inadequate recollection in a company image are difficult to control. For this reason, it is important to choose a reliable partner.

We operate according to three clearly defined concepts:

>> Treat the debt as a "second sale".

In the initial phases of the debt, promotes the maintenance of the relationship with the client and may treat the recovery of the debt as a "second sale", that permits the debtor to be treated as a client once more, after the regularisation of his situation.

It permits the company to recuperate the client: Bonding

>> Promote an amicable negotiation.

In most cases, an amicable agreement is the fastest and most interesting way from the financial point of view. For this reason, has developed a methodology bases on direct contact with the client / debtor. It has to do with understanding, avoiding speaking about the incidents. A rigorous follow-up of each dossier, phase by phase, step by step, is essential to obtain the maximum efficiency.

Objective: an amicable conciliation

>> To improve the legal negotiation.

Effico offers you the structures for the appropriate judicial treatment of debt, when necessary, and when it is justified by the debt itself or requested by the client.

Effico counts on its own lawyers and solicitors, constantly assisted by our collaborators, specialists in the matter, who develop a complementary know-how.

This synergy of means and relations, permits a personalised treatment of each case. This ensemble of mechanisms assures the efficiency of the recovery and cost savings..