Collecting Bad Debt in Latin America

Circumstances Affecting Collections Beyond Creditor’s Control

Collecting bad debt in Latin America often represents a challenge for foreign businesses.

There are several reasons to mention why businesses stop paying, which may be considered universal: bad economic circumstances, a company having liquidity issues, bad luck in business, mismanagement, and even bad intentions can be reasons causing bad debt anywhere one goes and does business.

However, there are a couple of circumstances which, maybe not exclusive to Latin America, do periodically characterize Latin American societies and economies, and therefore, affect businesses and ultimately also the collection of bad debt.

We will briefly discuss four of such circumstances.

Political Instability Causing Economic & Monetary Issues

Although this may vary substantially from country to country, and even within countries from region to region, political instability has been a common phenomenon in Latin America. Political instability may be visible through weakness of institutions, corruption, and policies imposed by the State contrary to the interests of the population, resulting in amongst others a lack of diversity in economy, underdevelopment in rural regions and impoverished urban areas, insufficient infrastructure, currency exchange controls and import / export tariffs in an attempt to protect the own economy. Political instability generally tempers economic growth and development and foreign investment. All these elements ultimately negatively affect the position of businesses, whether these are big corporations or small enterprises. Payment behavior may deteriorate and collecting bad debt may become more difficult. Countries like Argentina, Brazil, Venezuela, Mexico, Colombia, Ecuador, amongst others, have all been faced with some of these or similar issues.

Malfunctioning Judicial Systems Limiting Recovery of Bad Debt

Apart from a few exceptions, the legal systems in Latin America can in general be considered little accessible to foreign creditors.

From a foreign creditor’s point of view, judicial systems in Latin America can be perceived as complex, inefficient, closed minded, and incompatible. Often, there are no treaties in place between countries. This means that cross boarder issues are subject to local law in Latin America and the debtor’s jurisdiction applies if a foreign creditor wants to enforce payment of bad debt legally. In practice however, foreign claims are tough to enforce reducing the likelihood for collection and leaving the creditor with high, often unrecoverable legal expenses.

Infrastructure Missing Key Elements for Doing Business Globally

In several regions of Latin America, businesses are faced with a lack of infrastructure. This may include proper roads or airports, but also limited banking services and payment options, undeveloped educational institutions and professional support services, weak or absent authorities and limited or no access to the internet. Such business may be perceived as remote and difficult to reach for foreign creditors. Collecting bad debt can become a real challenge if debtors in more remote areas do not cooperate.

(Semi-)Informal Character of Business Preventing Sustainable Growth

The nature of doing business in Latin America can be very informal. This may allow a business to function locally but can cause issues when business is done internationally. For foreign creditors, the shadow side of the level of informality of businesses in Latin America can include: questionable financial management on the side of the debtor, limited options for local businesses to pay internationally, limited or no access for debtors to credit, and the fact that many business with a high level of informality are run based on a day to day strategy, without a long term vision. Because of this, the debtor lacks sustainable growth, which ultimately affect the creditor’s likelihood to collect bad debt.

In this post I mentioned four circumstances that may negatively affect collection of bad debts and which are typical for doing business in Latin America: economic downfall caused by political instability, malfunctioning of the judicial system, a lack of infrastructure, and the often (semi-)informal character of businesses in Latin America.

David Zannoni


If you are interested in learning more about typical circumstances that may negatively affect collecting bad debt in Latin America, please reach out to Cobroamericas, on Linked-In or follow us on Twitter.

To participate in conversations about debt collection in Latin America please join the Linked-In Group Debt Collection Latin America.


If a Company in Mexico is Not Paying

Mexico is an emerging market and for many foreign companies it offers a wealth of opportunities to do business. But what you encounter payment issues with a Mexican client? What if a company in Mexico is not paying?

Check Your Files

Mexico company not payingFirst of all, check your files. Are you able to reach your client by phone and email? Dou you have cell phone numbers of the decision makers? Have you spoken with payment at the accounts payable, as well as people on the commercial side? Are all your internal sources exhausted and is your client in Mexico still not paying? Then make sure that you have a complete file, including paperwork, contact details and notes of actions taken, before you proceed with the next step.

Contact a Debt Collection Agency

The next step is to engage a debt collection agency who can service you in Mexico. This can be your local debt collection agency, if they have an international network that includes Mexico. An alternative is to contact a debt collection agency in Mexico directly. It is important that the Mexican agency has international experience, has a proven reputation and is able to communicate with you in English.

Assess your Leverage and Debt Collection Strategy for Mexico

Not Paying Company MexicoOnce a debt collection agency is engaged, it is important to assess together with them the leverage you have. Is the paperwork like contracts, invoices and correspondence, solid enough to potentially go legal in Mexico? Is the collection agency able to obtain information on size, payment behavior, legal status, and assets of the company in Mexico that is not paying? Is it possible to credit register the Mexican company? Does your commercial relationship with the Mexican company still exist, that is to say, are you still doing business with them? Based on this assessment, a debt collection strategy should be elaborated which includes focus (amicable or legal), time lines and reporting frequency.

Debt Collection in Mexico

And then the debt collection process in Mexico starts. In general, debt collection in Mexico on behalf of foreign creditors is different from local debt collection. Often, for example, it is complicated or practically impossible to go legal, which changes the nature of collections substantially. It is important to understand all the steps taken and considered, and to adjust your expectation management accordingly. Hopefully, the debt collection process will result in full payment of the outstanding amount, a reasonable payment plan, or at the very least a settlement with partial payment.

Learn from the Experience and Prepare for Next Time!

If not, let it not discourage you. There will be lessons to be learned from the experience. How did you end up with the company in Mexico not paying? Did you properly mitigate the credit risk? How was your due diligence process for this company in Mexico, and how is your due diligence process in general for foreign clients? Is your Know Your Client Policy up-to-date for Mexico? How is the internal communication between sales, client relationship management and account receivables management?

What to do if a Company in Mexico is Not Paying

If a company in Mexico is not paying, we suggest you follow the following steps: first, check your files and make sure you are fully up-to-date, then contact a debt collection agency, assess your leverage and debt collection strategy together with your debt collection agency, then start the debt collection process in Mexico, and finally, regardless of the outcome, learn from the experience and prepare for next time you doing business in Mexico.

Cobroamericas is a boutique service providers offering debt collection, credit consultancy and company research information services to international companies doing business in Latin America and the Caribbean.

If you would like to know more about the options you have when a company in Mexico is not paying, please feel free to reach out to us, connect with Cobroamericas on Linked-In or follow us on Twitter.

To participate in the conversation about debt collection in Latin America please join the Linked-In Group Debt Collection Latin America.

Settlement Negotiations In Latin America

You may have been in a situation that, while doing business in Latin America, your Latin American client refuses to pay because of issues.

Provided that your client is a professional party with good intentions, there may be plenty of reasons not to go for hardline collections or legal measures, but rather take on the approach of settlement negotiations.

The following are in our experience the most common categories of issues that may be the reason Latin American companies default on payments with foreign business partners.

Your Client May Have Financial Issues

Latin America financial issuesYour counter party might have stopped or slowed down with payments because it encounters financial issues. This could be because of business specific situations, including bad commercial decisions, mismanagement, start-up difficulties and therefore struggles with cashflow, or just bad luck with its products or services.

Sometimes the issues are sector related, and a whole sector may suffer because of natural disasters (epidemies, earthquakes, draught or wildfires), technological development with products or servicing becoming less needed or completely out of use, or otherwise.

And finally, your business partner in Latin America may suffer financially because of a whole nation or region being in an economic crisis. This can be de result of national economic circumstances (Brazil), political decisions (Venezuela), or national disasters (earthquakes in Mexico and hurricanes affecting Caribbean nations).

Exchange Rate Issues In Latin America

It could be that your debtor in Latin America is facing exchange rate issues.

This can be the result of economic factors, or political decisions. In recent years we have seen Colombia, Mexico, Brazil, Argentina and Venezuela, all to a larger or lesser extent, been affected by exchange rate fluctuations, especially the exchange rates with the US Dollar and the Euro, two of the main trading currencies for Latin American companies that do business internationally.

For companies that import from abroad, or use global services, prices of international products may rise substantially in a short period. If the volume is considerable, and especially if their markets are local and they earn in local currencies, unable to compensate for the increase in import costs, companies in Latin America may face serious issues because of changing exchange rates.

For more info on exchange rate issues in Latin America check out our previous blog post.

Product Or Service Related Issues

Latin America product issuesYour debtors in Latin America may have genuine issues with your products or services provided. Now this can be the result of bad expectation management on the debtor’s side, or mistakes in commercial communication between both parties. It can also be that the local markets, unexpectedly, do not embrace your products and your counter part in Latin America, being the middle man, fails to sell the products. Or your counter part feels it is experiencing problems with the delivered products or provided services.

If any of these issues apply to your debtor in Latin America, it is very important to consider settlement negotiations as opposed to hardline collections or legal proceedings, and here are five arguments why.

 Avoiding Legal Proceedings In Latin America

 Settlement negotiations are aimed at finding an amicable solution. By doing so, you will avoid going legal. This is highly recommendable as legal measures in Latin America are in general expensive, slow and often impractical or even impossible. Please read for more info our previous blog post about legal proceedings in Latin America.

Settlement Negotiations Reduce Costs

Focusing on settlement negotiations mean that the parties will intent to find an amicable solution within a limited period of time. This will not only avoid legal fees and costs, but also costs you would incur during the whole amicable collection process.

Settlement Negotiations Reduce Time Spent

Collection procedures in Latin America can be very slow and time consuming. By focusing on settlement negotiations, you will reduce the time spent substantially and therefore, you will have more time to dedicate on other, perhaps more rewarding activities.

Concrete Solution For The Outstanding Debt

The outcome of settlement negotiations should be a concrete solution, which is to be signed off by both your debtor in Latin America, and yourself. Concrete solutions reduce or even eliminate future misunderstanding and room for interpretation and discussion.

Solution Driven Approach May Save Commercial Relationships

Latin America trade issue solutionGoing for the solution driven approach of settlement negotiations, as opposed to hardline collections and legal, substantially increases the chances of saving the commercial relationship with your business partner in Latin America. This means you will not only collect outstanding amounts, but you will also continue to do business and earn money on your Latin American business partner.

The reason that your Latin American client slows down or stops paying your invoices, may be because they face financial issues, exchange rate issues or issues related to delivered products and services.

If the relationship between your client and yourself is genuine, it is recommendable to take on the approach of settlement negotiations. Five arguments in favor of settlement negotiations as opposed to hardline collections are: avoiding legal, reductions of costs, reduction of time spent, focus on obtaining a concrete solution, and a solution driven approach may save commercial relationships.

If you are interested in learning more about settlement negotiations in Latin America for outstanding debts and commercial issues, please connect with Cobroamericas on Linked-In or follow us on Twitter.

To participate in the conversation about debt collection in Latin America please join the Linked-In Group Debt Collection Latin America.

Escrow Accounts for Global Trade in Latin America

Several of the Latin American economies are considered emerging markets, and they offer excellent potential investment opportunities for foreign businesses.

However, when trading in unexplored markets, a main concern for foreign businesses is always: payment default on the side of the local business partner. Whether this means that your business partner in Latin America does eventually not pay for goods delivered of services provided, or that the partner defaults on a project you invested in.

 A solution that may assist you in successfully closing a global transaction in Latin America, is running your transaction through an escrow arrangement, by setting up a so-called escrow account.

How does escrow work?

The role of the escrow agent explained

escrow accounts latin americaHere is how escrow works. The escrow service provider, as “escrow agent”, will receive, hold and disburse deposits on behalf of the seller and buyer; or investors, or lender and borrower, as the case may be. The nature of the transaction can be investment, the purchase or sale of goods or products, or engagement of services.

Buyer, seller and escrow agent enter into a so called “escrow agreement” and the escrow agent opens an “escrow account” in which the buyer deposits the funds.

The escrow agent will subsequently hold the funds until an agreed cutoff date, as set forth in the escrow agreement.

If the conditions in the escrow agreement have been met – that is to say, if the seller has complied with the conditions as agreed between buyer and seller, pursuant to the escrow agreement – on or above the cutoff date, the escrow agent will forward the funds to the seller, and the financial transaction is successfully closed.

If the conditions are not met ultimately on the cutoff date – so in case the seller does not comply with what has been agreed between buyer and seller –  the funds will be transferred back by the escrow agent to the buyer, and the financial transaction is cancelled.

Escrow as tool to de-risk credit exposure in Latin America

The escrow agent acts solely as a neutral, trusted third party and does not have any other interest in the transaction as such. It protects the interest of both buyer and seller. It makes it possible for investors, buyers and sellers involved in international trade to substantially diminish financial risks, especially in those cases where there is no purchase on credit and / or a transaction is not covered under a credit risk insurance.

Therefore, escrow should be considered as a tool to de-risk payment default and credit exposure and should be taken in consideration by companies doing business in Latin America, in addition to other essential elements of best practices, such as credit insurances, receivables management, and debt collection.

Cobroamericas is a boutique service provider offering debt collection, credit consultancy and company research information services to international companies doing business in Latin America and the Caribbean.

If you are interested in learning more about escrow accounts for global trade in Latin America, please feel free to reach out to us, connect with Cobroamericas on Linked-In or follow us on Twitter.

To participate in the conversation about debt collection in Latin America please join the Linked-In Group Debt Collection Latin America.

Credit Risk Latin America: Four Services Providers for Small Foreign Businesses

Small foreign businesses run a certain credit risk when they do business in Latin America. If eventually, your counterpart does not pay, the financial impact on your company can be substantial and money and resources can be lost.

How can small foreign businesses protect themselves from such risks, when they enter the lucrative Latin American emerging markets? Here are four business partners you should consider as a small business owner.

Engage a Local Commercial Representative for Latin America

Latin america local representativeTo start with, engage a local representative for the Latin American market specialized in servicing foreign companies. The local representative can provide a local network of potential business partners and can help you enter the Latin American market. Also, it can assist with legal and administrative advice, do due diligence for you in Latin America, and connect you with reliable local lawyers, accountants and service providers. This might require a small initial investment by contracting a local company or individual representative on a retainer basis and eventually, you may want to consider establishing a local stronghold if the business requires so. It will on the long run bring you business, build up your local network and reputation, and limit potential financial and credit risks and therewith, save you money in the future.

An Insurance Company that provides Trade Credit Insurance

If international export or services is an important part of your business model, and Latin America is part of your foreign business expansion, you should contract an insurance company that provides credit insurance for international trade. There are several international insurance companies and government agencies that provide trade credit insurance for businesses that export internationally, and want to protect themselves from losses due to default, or insolvency or similar legal circumstances on the buyer’s side.

Escrow Arrangements for your Financial Transaction in Latin America

Latin America escrow credit riskDepending on the kind of products your deliver or services you provide, you may want to consider using an international escrow service provider to safeguard the financial transaction between your business partner in Latin America and yourself. This is how it works. An independent, third-party escrow manager will be engaged to open a segregated bank account, called the escrow account. Your business partner will pay a part of, or the full amount of the agreed purchase price for your products or services into the escrow account. Both parties will together with the escrow manager enter into an escrow agreement which will describe under which conditions the purchase price will be forwarded to yourself as provider. Such conditions will describe when delivery of the products or the services is considered delivery. Using an escrow protects you from the risk of a financial transaction in Latin America going wrong, whereby either your buyer can eventually not pay or you are the victim of intentional default or insolvency on the buyer’s end.

Account Receivables Management: a Collection Agency for Latin America

For your account receivables, make sure you use an international collection agency with a local partner in Latin America. They will be able to assist you with collections on outstanding and overdue invoices, and if necessary, provide debt collection services. This will eventually reduce your outstanding debt in Latin America to a minimum.

Small businesses that trade with Latin America run certain credit risks. As the owner of a small business with international ambitions aiming at Latin America, you should consider engaging as your business partners a local commercial representative, an insurance company that provides an international credit insurance, an escrow services provider to protect your position in a financial transaction in Latin America, and a collection agency for Latin America specialized in servicing foreign clients.

Cobroamericas is a boutique service providers offering debt collection, credit consultancy and company research information services to international companies doing business in Latin America and the Caribbean.

If you are a small business owner and are looking to expand business into  Latin America or the Caribbean, please feel free to reach out to us, connect with Cobroamericas on Linked-In or follow us on Twitter.

To participate in the conversation about debt collection in Latin America please join the Linked-In Group Debt Collection Latin America.

Cobranza en México: Seis Sugerencias para Acreedores Extranjeros

Algunos extranjeros que demandan pagos de deudas no pagadas o deudas vencidas en México ven la cobranza de deudas ese país como complicada, impráctica o incluso imposible.

Otros, por el contrario, tal vez subestimen los desafíos que se pueden encontrar ya que comparan la relativa facilidad y simplicidad de la cobranza en sus propios países.

La verdad se encuentra, muchas veces, entre la mitad de esos dos extremos. Es perfectamente posible cobrar deudas en México, pero es fundamental entender el entorno particular del país y las circunstancias de la cobranza de deudas.

Esta es una lista para cualquier extranjero para ser usada como marco de referencia en México y manejar apropiadamente las expectativas.

El tamaño de la demanda

Al fin y al cabo, todo se trata de los números. ¿Que tanto te deben y cuáles serían los costos de la demanda y la cobranza?

La cobranza de deudas en México puede ser costosa (especialmente si recurres a instancias legales), toman mucho tiempo, y puede ser un proceso lento o muy lento. Debes asegurarte de tomar un acercamiento realista – desde una perspectiva económica – sobre lo que esperas financieramente de la cobranza de deudas en México, si el tiempo y dinero invertido valen la pena, y que tan lejos llevarás el proceso.

Naturaleza de la demanda

¿Estás demandando el pago a una compañía o un individuo, tu demanda de pago consiste en facturas vencidas relacionadas con una transacción comercial o estás buscando el pago de un préstamo? Esto puede causar una gran diferencia – en lo que respecta a las probabilidades de éxito – el hecho de que tu deudor sea una compañía o un individuo, o que estés demandando el pago de facturas vencidas o un préstamo pendiente. Las circunstancias legales y la situación financiera de tu deudor pueden determinar el éxito o el fracaso en tu intento de cobro.

Calidad de la demanda

La clave para una cobranza de deudas exitosa en México es que tan “limpia” o que tan completa sea tu documentación. Contratos, fórmulas de pedido, confirmaciones de orden y de entrega, facturas, correspondencia (de correo electrónico), detalles de contacto de tu deudor, detalles de dirección, antigüedad de la deuda pendiente, todo esto es fundamental para el éxito de la demanda en la cobranza de deudas en México. Si tu documentación es completa, entonces incrementarán sin duda tus probabilidades de éxito. Debes ser realista con las expectativas y como regla general, no debes desperdiciar dinero y tiempo en considerar una alternativa legal si tus papeles no poseen los documentos de soporte necesarios para realizar la demanda de pago.

El uso de recursos para obligar el cumplimiento de un pago

Debes usar los recursos que tengas disponibles. Si tu deudor es una compañía que ha recibido productos o servicios de tu parte, y puede que exista un interés comercial en continuar comprando tus productos o usar tus servicios, debes usar ese recurso para presionar una solución amigable, como un plan de pago con cuotas mensuales, una liquidación u otro tipo de compensación material o monetaria. Si tu deudor es un individuo, a pesar de que el uso de recursos puede ser menos simple, él o ella tal vez quieran comprar tus productos o continuar su educación (universidades), o necesita tener un historial de crédito limpio. Al usar estos recursos, es importante que muestres flexibilidad y abordar la situación teniendo actitud enfocada en encontrar una solución.

Red de contactos

Si estás tratando de cobrar una deuda en México, usa tu red de contactos. De manera directa, si tienes tus contactos en agencias, firmas de abogados o con representantes, o indirectamente, referencias de relaciones de negocios o compañías que hacen negocios en México, negocios que están operando en los mismos mercados y se hayan enfrentado a problemas similares. Desde mi experiencia personal, no puedo hacer suficiente énfasis sobre lo importante que es trabajar usando referencias en México, más que en muchos otros países con los que estoy familiarizado.


Y finalmente, la ubicación. México es un país grande con áreas urbanas altamente desarrolladas (Ciudad de México, Monterrey, y Puebla, por ejemplo) y también por el contrario, hablando de manera profesional, lugares sumamente remotos. Y desafortunadamente, algunas áreas de México han sido fuertemente golpeadas por la inestabilidad social y política. En principio, no debería haber problemas para realizar tu cobranza de deudas en las áreas urbanas de México. El intentar cobrar en áreas más remotas puede ser un desafío, o en el peor de los casos, prácticamente imposible.

Al intentar cobrar una deuda en México, los extranjeros deben tener en cuenta los siguientes puntos en su lista: tamaño de la deuda, la naturaleza de la demanda, la calidad de la demanda, recursos, red de contactos y ubicación.

Estos aspectos determinan las probabilidades de éxito y son básicas para la gestión de expectativa.

Si estás interesado en aprender más sobre el tema de cobranza de deudas en México, conectate conmigo en Linked-In o sígueme en Twitter.

Para participar en discusiones sobre la cobranza de deudas en Latinoamérica, por favor únete al grupo de Linked-In Debt Collection Latin America.

Latinoamérica: Seis Desafíos al Iniciar Un Procedimiento Judicial

En el mundo globalizado se hacen más negocios internacionales que nunca antes. Y el crecimiento económico está tomando lugar en lo que solíamos llamar países en desarrollo.

Al enfocarnos en Latinoamérica, tenemos países como Brasil y México, pero en los últimos años también países como Colombia, Perú, Chile y Panamá han experimentado periodos de crecimiento significativos que han atraído a negocios e inversiones extranjeras.

¿Pero qué pasa si estás establecido en Norteamérica o Europa y realizas con frecuencia negocios en uno de estos países, o cerraste un trato de negocios muy importante y tu cliente no está pagando, que tal si el trato no está cubierto por tu asegurador de crédito, tu cliente ha realizado todas las diligencias y procedimientos debidos y conoce las políticas de tu cliente, y la cobranza amigable, la intervención de una agencia de cobro de deudas, representantes locales o incluso una firma de abogados no resultan en el pago de la deuda pendiente.

Ciertamente el próximo paso sería considerar un procedimiento legal para obligar el pago de los bienes entregados o los servicios prestados.

Sin embargo, debes estar al tanto de que puede ser un desafío cuando se trata de procedimientos legales relacionados con la cobranza de deudas en Latinoamérica.

A pesar de que cada país tiene su propio sistema legal y experimentan circunstancias particulares y los países son diferentes unos de otros, he determinado lo que en mi opinión pueden ser considerado como los Seis Desafíos Para Iniciar Procedimientos Legales en Latinoamérica relacionados con la cobranza de deudas.

Latinoamérica, territorio desconocido

.procedimiento judicial latinoamericaPrimero que todo, para muchas personas fuera de Latinoamérica, el territorio es desconocido. Las personas no conocen cómo funcionan los sistemas legales. También puede que no sepas si obligar a tu cliente a pagar por medios legales, y que compañía o firma de abogados contratar. Latinoamérica parece muy lejos, puede que no hables el idioma y que no sepas ni siquiera donde está establecido tu cliente de manera exacta.

Cobro judicial en Latinoamérica: sistemas legales complicados.

Pero incluso si estás familiarizado con el territorio, generalmente los sistemas legales son lo suficientemente complicados para hacer que los procedimientos legales no sean sencillos. Puede haber varios tipos de procedimientos, varias cortes y jurisdicciones locales, varias etapas y procedimientos de apelación dentro de los procedimientos legales.

Costos legales pueden ser considerables

costos cobro judicial LatinoamericaPor lo general los procedimientos legales son costosos. Las cantidades mínimas para iniciar procedimientos legales que valgan la pena desde un punto de vista económico pueden ser mucho mayores a las cantidades en tu país de origen (Sin embargo estoy al tanto de que existen grandes diferencias entre, por ejemplo, Estados Unidos y muchos países de Europa). Y existen ciertos costos que pueden incurrir que no puedes recuperar a través del deudor.

Sistemas judiciales en Latinoamérica: muchas veces, ineficientes

Además de complicados, los sistemas legales tienden a ser ineficientes, por decirlo de una manera políticamente correcta. A pesar de que la ley puede estar de tu lado, la manera en que el “sistema” funciona en la práctica debido a razones políticas o sociales (me refiero a la corrupción, desorden social y restricciones de cambio de divisas como ejemplos más evidentes), pueden incluso hacer más complicado el hacer cumplir tus derechos para recibir un pago de una deuda.

Incompatibilidad de documentación

Este es un factor en el que tal vez no pensemos inmediatamente, pero que en la práctica a menudo causa sorpresas desagradables. La forma en que hayas reunido la documentación con tu cliente, la manera en que hayas facturado o la jurisdicción a la que tu trato de negocios está sujeto, puede causar que no sean compatibles legalmente en el país de tu cliente y por lo tanto terminan siendo inútiles. O puede que tus facturas hayan expirado según la ley y ya no pueden ser demandadas legalmente. Puedes tener un abogado brillante a cargo del caso, pero si tu reclamo es incompatible con el sistema, hay pocas probabilidades de tener éxito.

Tal vez el veredicto no se pueda hacer cumplir

juicio cobranza latinoamericaSupongamos que decides optar por una opción legal y “sobrevives” a los cinco primeros desafíos. Entonces tal vez tengas que enfrentar un sexto obstáculo. Debido al alto nivel de “informalidad” en los negocios (muchas pequeñas compañías con poca responsabilidad), compañías que no están formalmente establecidas, negocios que no están adecuadamente registrados o establecidos localmente, la inaccesibilidad de las áreas, dueños de compañías que no se pueden rastrear, falta de infraestructura y la inexistencia de acciones pueden hacer que no sea posible cumplir el veredicto que hayas obtenido en la práctica en lo absoluto.

En resumen, existen desafíos para las compañías que quieren iniciar procedimientos legales en Latinoamérica cuando se trata de cobranza de deudas. Yo incluí a el desconocimiento del territorio, los considerables costos legales, sistemas legales ineficientes, incompatibilidad y la no posibilidad de hacer cumplir un veredicto como los seis principales desafíos.

Esto no significa que no deberías iniciar procedimientos legales, puedes hacerlo si el trato involucrado es considerable, tu documentación está actualizada, tienes un presupuesto disponible para los procedimientos legales y estás consciente de que la paciencia es algo esencial. Existen excelentes abogados que conocen el sistema de adentro hacia afuera que pueden hacer un gran trabajo representándote y que pueden cobrar de manera exitosa deudas pendientes.

Este articulo tiene el propósito de dar una visión general de los desafíos que las compañías extranjeras pueden enfrentar cuando consideran iniciar procedimientos legales y no tiene como intención generalizar o simplificar. Estoy consciente de que los desafíos mencionados también pueden aplicar en cualquier otra parte del mundo.

Si estás interesado en aprender más sobre los temas de procedimientos legales o cobranzas en general en Latinoamérica, por favor conéctate con nosotros en Linked-In o sígueme en Twitter.

Para participar en discusiones sobre la cobranza de deudas en Latinoamérica y El Caribe, por favor únete al grupo de Linked-In Debt Collection Latin America.