The indicated times and conditions
are just as an indication and they can change
for some credits’ typologies
EPISTOLARY
REMINDER 7 days
Mailing of written communication to
the debtor, through which we inform
about the received order summoning
him/her to pay the credit within seven
days.
7 days
TELEPHONE
REMINDER
We provide, through a qualified staff,
to get in touch by phone with the
debtor pressing for the payment of
the credit.
10 days
INTERVENTION
OF THE AREA OFFICER
We proceed with the attempt of collection
through the tax officer, responsible
for the area, who gets in touch with
the debtor, when he/she doe not provide
to pay up his/her position in good
time after the previous reminders.
20 days
2ND
EPISTOLARY REMINDER
We allow the debtor a deadline (5
days) informing him, through a written
communication, that failing a regularization,
the practice will be entrusted to
a law firm.
25 days
LEGAL
NOTICE
Injunction to pay of the expired of
our law firm with notice to the debtor
that , on default, a prompt legal
action towards him will be undertaken.
35 days
CONSIGNMENT OF INTERVENTION
REPORT
The customer is informed about the
reasons which have brought about the
credit’s irrecoverableness with
contextual proposal of carrying out
economic/patrimonial controls in order
to value the advantage to start a
legal action against the debtor.
COMAS employees do not carry out the simple office
of cold or authoritative debt collection, because
they are highly qualified and provided with a
good insight into the psychology of the debtor,
as well with an suitable knowledge in the judicial
and accounting matter in order to prevent possible
attempts of the debtor for avoiding the execution
of his obligations.
