01
Portfolio acquisition
Evaluation, due diligence, and deal structuring with financial, commercial, and fintech originators.
DEAL FLOW · 2026 Q1
Financial · Commercial · Fintech
01 / Comprehensive Management
Comprehensive management of distressed assets.
Acquisition, management, recovery, and reinclusion — a single traceable pipeline.
At Novartec we structure end-to-end solutions for the acquisition and recovery of charged-off portfolios — combining advanced analytics, operational management, and legal execution to maximize results and generate second financial opportunities.
5
Countries with presence
6
Sectors served
3
Operating languages
↳ 98% of account holders initiate voluntary payment after first contact.
02 / Services
Five lines. One strategy.
Integrated pipeline of acquisition, management, execution, intelligence, and reinclusion.
02
Management & recovery
Strategies segmented by delinquency, channel, and profile — ethical by default, with auditable reporting.
DELINQUENCY SEGMENTATION
0-30 · 31-90 · 91-180 · 180+
03
Legal execution
Standardized litigation pipeline with procedural SLA and continuous review.
PROCEDURAL SLA · STANDARD CASE
Standardization + continuous review
04
Asset intelligence
Identification, analysis, and verification of assets that strengthen the legal strategy.
SOURCE CROSS-REFERENCE
Real estate · Vehicles · Companies
05
Financial reinclusion
Normalization, discounts, and positive reporting to credit bureaus — returning the borrower to the system.
SCORE · RESET PROGRAM
Positive reporting to credit bureaus
03 / Why clients choose us
Institutional by design.
Proprietary analytical models
Scoring + portfolio segmentation
Full traceability
Audit of every action, reporting to originators
Efficient legal execution
Standardized litigation pipeline with SLA
Ethical approach
Compliance with SFC · SIC · Ley 2300 de 2023
Applied technology
AI + Machine Learning + BI + API integrations
Operational scale
3 languages · 5 countries · 6 sectors
04 / Process
From charged-off asset to second chance.
Four stages. One unified traceability.
01
Purchase
Due diligence, valuation, and closing. We engage only when the case justifies it.
02
Management
Portfolio segmentation and multi-channel activation — ethical by default.
03
Engagement
Out-of-court route prioritized — we facilitate the borrower paying with dignity.
04
Reinclusion
Normalization, strategic discounts, and return to the financial system.
06 / Compliance
Transparency, by regulatory framework.
Full compliance with financial, data protection, and anti-money-laundering frameworks.
Ley 2300 de 2023Form enabled for account holders
Habeas Data · Ley 1581Published data processing policy
SFC / SIC supervisionPeriodic reporting in progress
SAGRILAFT / PTEEManual + designated officer
ISO 27001 · SecurityImplementation · 2026
Account holder service channel
Access, consult, update, rectify, or delete your personal information.
protecciondedatos@contactosolutions.com
Direct line
(601) 744 2079
Response time
≤ 15 business days
Compliance officer
Currently designated
07 / Contact
Agreements that work for you.
Let's talk about your case. Institutional response in under 48 business hours.