International Debt Collection in Brazil
Recover your outstanding credit from Brazilian debtors with expertise and efficiency
"connecting businesses, collecting results globally"
About us
For 24 years, transforming business relationships and recovering credit
Are you a foreign company facing challenges in recovering unpaid debts from Brazilian debtors? With extensive experience in cross-border collections, cobrart features a specialized International Debt Collection Department, focused on delivering tailored solutions, empowering global businesses to reclaim outstanding credits from Brazilian debtors. If you’ve sold products or services and remain unpaid, our expert solutions are designed to deliver results with efficiency and professionalism.
We offer comprehensive coverage across all of Brazil, leveraging our deep understanding of local markets, regulations, and cross-border complexities. Our services encompass both extrajudicial and judicial debt collection, provided by our in-house law firm—part of the same economic group—with over 50 years of tradition and expertise in Brazilian legal and commercial matters.
Who we are
For over two decades, Cobrart has established itself as a benchmark in the market, providing a comprehensive solution for debt collection and customer service to major institutions, with offerings that range from credit recovery to holistic customer experience management.
Our commitment is to drive our clients' success through results-oriented management, quality, advanced technology, and exceptional service, acting as your partner to connect efficiency and satisfaction to your business.
In addition to nationwide coverage, we offer global reach through international partnerships in the EU, UK, North America, China, Southeast Asia and Argentina. Throughout our long history, our business group has had the privilege of serving some of Brazil’s most renowned companies, including Itaú-Unibanco, Petrobras, HSBC, SKY, Banco do Brasil, Caixa Econômica Federal, Eletrobras, Cyrela, Golden Cross, Axa, iFood, and many others.
Our Services: Your One-Stop Shop for Debt Collection & Credit Risk Assessment in Brazil
By centralizing all debt collection efforts with a trusted partner, companies gain greater control, consistency, and a streamlined process—ensuring that every recovery opportunity is fully explored:
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Digital Collection
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Telecollection
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Extrajudicial Collection
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Judicial Collection
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Credit Risk Analysis
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Debt Buying Solutions
Extrajudicial Debt Collection
We pursue debts through efficient amicable settlements, out-of-court recovery. ,At Cobrart, we leverage cutting-edge technology to enhance the efficiency and success of our extrajudicial debt collection. Our operations are powered by a predictive dialer, ensuring maximum contact rates with debtors, while call recording guarantees compliance and transparency. We utilize digital agents, self-service portals, and AI-driven chatbots to provide fast and effective communication, giving debtors multiple channels to resolve their obligations. Additionally, our WhatsApp, SMS, and email automation enables strategic follow-ups, increasing engagement and accelerating payments. By combining advanced technology with expert negotiation, we deliver a high-performance, data-driven collection process that maximizes results for our clients.
Judicial Debt Collection
Strategic legal action through our experienced in-house law firm, Advocacia Felizardo Barroso & Associados, enforcing payment via Brazilian courts when necessary. Having both judicial and extrajudicial debt collection integrated within a single service provider offers unmatched efficiency, strategic continuity, and higher recovery rates. At Cobrart, our seamless approach ensures that cases transition smoothly from out-of-court negotiations to legal enforcement when necessary, without delays or the need to engage multiple firms. This synergy between our negotiation specialists and our in-house law firm allows us to tailor the best strategy for each case, maximizing results while minimizing costs and bureaucracy for our clients. By centralizing all collection efforts under one trusted partner, businesses gain greater control, consistency, and a streamlined process—ensuring that every possible avenue for recovery is explored.
Credit Risk Analysis: Preventive Financial Insights
Before engaging in business with Brazilian companies, safeguard your investments with our Credit Risk Analysis service. We provide in-depth financial health reports on potential Brazilian partners, assessing their payment history, outstanding debts, and overall creditworthiness. This proactive approach minimizes risks and ensures safer and more reliable business transactions.
Debt Buying Solutions
We assist international institutions, organizations, and private investors interested in purchasing Brazilian portfolios of delinquent or charged-off debts at a fraction of their face value. Our comprehensive debt buying services include:
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Identifying and prospecting opportunities across consumer, corporate, and financial services debt portfolios.
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Assessing the assets and determining the optimal bidding value.
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Facilitating and formalizing the acquisition process.
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Managing debt collection and recovery with efficiency and expertise.
With over 24 years of experience in the Brazilian market, cobrart leverages its proven expertise in debt recovery and strategic partnerships to maximize returns for our clients while ensuring a seamless and secure process.
When it comes to credit recovery, we rely on three fundamental pillars
Our process combines digital innovation and specialized negotiation to deliver results with transparency and agility:
METHODOLOGY
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Outbound calls following pre-approved scripts
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Data enrichment
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Negotiation by a continuously trained team
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Ongoing call monitoring
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Customized reports
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Control Desk monitoring queues in real time
TECHNOLOGY
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Predictive dialer to optimize contact
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Recording of 100% of calls, ensuring transparency and compliance
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Speech Analytics
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CRM integrated with the client’s system
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Digital agents
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Self-service portal
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Chatbots
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Mass WhatsApp, SMS, and email campaigns
RESULTS
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Ranked 1st among other agencies
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Achieved 123% of the annual target
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R$1.2 billion portfolio
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20,000 active judicial cases filed across Brazil
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15,000 productive contacts per month
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700,000 electronic messages sent monthly
Global Reach, Local Expertise:
Why Partner with cobrart?
Diferenciais que conectam você ao sucesso:
NATIONWIDE COVERAGE
With operations and expertise spanning every region of Brazil, we provide comprehensive and efficient coverage for our clients’ needs. cobrart serves the entire national territory, offering both extrajudicial and judicial collection services to ensure seamless credit recovery wherever your business operates.
NO RECOVERY, NO FEE
At cobrart, we believe in shared success. Our efficient, out-of-court recovery process comes with no upfront fees—our remuneration is success-based, meaning we only get paid when you recover your funds. This approach reflects our unwavering commitment to delivering results and ensuring our clients’ succe
RESULTS-DRIVEN APPROACH
Global Reach, Local Action: expertise in the Brazilian Market for seamless support for international clients targeting Brazilian debtors.
Judicial and extrajudicial debt collection integrated within a single service provider offering unmatched efficiency, strategic continuity, and higher recovery rates.
SECURITY AND TRANSPARENCY
With 24 years of expertise in debt collection and customer service, backed by over 50 years of legal tradition, Cobrart upholds a legacy of trust. We ensure full compliance with Brazilian data protection regulations, guaranteeing the security and privacy of all data handled in our operations, delivering peace of mind to our clients.
