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COLLECTION

International Debt Recovery.

Strategic legal services for companies, insurers, exporters and investors seeking to recover debts in Brazil and across international jurisdictions.

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THE CHALLENGE

When an international debt remains unpaid, timing and strategy make a difference.

Our team provides legal analysis, negotiation, debt collection and, when necessary, judicial enforcement, coordinating with local partners as required.

OUR SERVICES

We assist foreign creditors — including exporters, financial institutions, trading companies and credit insurers — in recovering outstanding debts from Brazilian debtors. We combine in-depth knowledge of Brazilian civil procedure with the agility and clarity required by international clients, particularly those unfamiliar with the specific features of the Brazilian legal system.

From extrajudicial notices to judicial enforcement, we manage each stage with a focus on efficiency, transparency and results.

. Extrajudicial notices and direct negotiation with the debtor
. Filing and handling of debt collection and enforcement proceedings
. Asset tracing and attachment (BacenJud/SisbaJud, Renajud, Infojud)
. Coordination with local counsel, insurers and client representatives abroad
. Cost-benefit strategies tailored to the foreign creditor’s profile and urgency

We represent creditors — both Brazilian and, particularly, foreign — in judicial reorganization and bankruptcy proceedings involving Brazilian debtors under Law No. 11,101/2005.

Our work includes filing and challenging claims, participating in creditors’ meetings, critically assessing reorganization plans, and protecting security interests and statutory priorities, always with the objective of maximizing effective recovery in complex insolvency proceedings involving multiple competing creditors.

. Filing, reviewing and challenging claims
. Participation in general creditors’ meetings and committees
. Analysis and negotiation of judicial reorganization plans
. Identification of fraud, asset diversion and legally ineffective transactions
. Monitoring proceedings through conversion into bankruptcy, when necessary

Before extending credit or entering into a new business relationship with a Brazilian counterparty, it is essential to understand the legal risks involved. Our assessments go beyond traditional financial indicators, examining corporate structure, litigation history, available security and the counterparty’s actual ability to meet its obligations — supporting more informed business decisions and the structuring of contracts with appropriate safeguards from the outset.

. Legal due diligence on counterparties and prospective debtors
. Review of corporate structure, assets and litigation history
. Assessment of security interests and contractual protection mechanisms
. Recommendations on jurisdiction, governing law and dispute resolution clauses
. Support for commercial decision-making before credit is extended

We prepare detailed reports on the legal and financial standing of Brazilian debtors and counterparties, consolidating information on pending litigation, enforcement proceedings, protested instruments, asset records and indicators of insolvency risk. These reports support credit decisions, collection strategies and the ongoing monitoring of risk exposure by exporters, financial institutions and insurers.

. Review of litigation, enforcement proceedings and protested instruments
. Searches for registered assets, including real estate, vehicles and equity interests
. Assessment of insolvency risk and payment capacity
. Tailored reports for credit and collection decisions
. Periodic monitoring of risk exposure

We structure payment settlements and debt restructuring plans that balance the need for timely recovery with the debtor’s economic viability. Solutions may include installment arrangements, real or fiduciary security, transfers of assets in lieu of payment and more sophisticated contractual structures for multi-party situations — always taking into account the risks of fraud against creditors and sham transactions under Brazilian law.

. Negotiation and formalization of payment settlements and installment plans
. Creation of real, fiduciary and other forms of security
. Structuring of transfers of assets in lieu of payment and alternative solutions
. Multi-party structures for complex asset situations
. Assessment of risks involving fraud against creditors and sham transactions

International commercial disputes frequently involve issues concerning product quality, compliance of goods, breach of contract and disagreements over payment terms. We investigate the relevant facts and market circumstances, negotiate directly between the parties and, when necessary, handle mediation, arbitration or court proceedings, always seeking a solution proportionate to the value and complexity of the dispute.

. Fact-finding and investigation involving buyers, distributors and market participants
. Direct negotiation between the parties to the dispute
. Conduct of mediation and arbitration proceedings
. Representation in court proceedings when negotiated solutions have been exhausted
. Contract interpretation under Brazilian law and international trade principles

We provide specialized legal advice to export credit insurers and export credit agencies (ECAs) in connection with their operations in Brazil, including the recovery of subrogated claims following indemnification of insured exporters. Our work ranges from claim investigation to debt collection and recovery proceedings on behalf of the insurer, with particular attention to the regulatory and operational aspects of this sector.

. Recovery of subrogated claims following payment of insured losses
. Investigation and analysis of claims involving Brazilian debtors
. Legal assistance to insured exporters in coordination with the insurer
. Legal opinions on risk and insurability of transactions in Brazil
. Coordination with international export credit insurers

HOW WE WORK

A clear. Strategic. Efficient process.

  1. 01 Initial Assessment

    Review of the claim, supporting documents and the debtor’s circumstances.

  2. 02 Strategy

    Definition of the most appropriate recovery strategy based on the circumstances of the case.

  3. 03 Negotiation

    Direct engagement with the debtor to pursue an efficient and commercially viable solution.

  4. 04 Judicial Action

    Where necessary, implementation of appropriate judicial measures to pursue recovery of the debt.

  5. 05 Monitoring and Reporting

    Ongoing monitoring of the matter, with clear reporting on developments and results.

WHY RUCR

Legal rigor. Transparency. Respect.

Debt recovery requires firmness, strategy and responsibility. Our approach seeks to protect rights, conduct negotiations professionally and identify the most efficient solution for each situation.

Respect and Professionalism

We approach every interaction with respect, professionalism and due consideration for the circumstances of all parties involved.

Transparency and Integrity

We act with clarity and accountability, keeping creditors and debtors appropriately informed throughout the process.

Legal Rigor

All measures taken comply with applicable law and are defined according to the specific circumstances and risks of each case.

Solution-Oriented Negotiation

We seek viable solutions for debt recovery, prioritizing negotiation whenever it offers an appropriate and efficient outcome.

Frequently Asked Questions

Find the information that matches your situation.

Select the context of your inquiry below: information about RUCR Law’s international debt recovery services or guidance for those who have been contacted regarding a debt.

Provisional content pending validation by RUCR.

Provisional content pending validation by RUCR.

Provisional content pending validation by RUCR.

Provisional content pending validation by RUCR.

RUCR is contacting you because it has been retained by your supplier and/or credit insurer to review the claim and assist in recovering any outstanding amounts.

Before contacting you, we review the documentation and information related to the claim. This process may include verifying our client's claim, confirming receipt of the goods, and reviewing information about the debtor company, its officers and assets.

Keep the lines of communication open and provide transparent information about the circumstances surrounding the non-payment. We will seek an appropriate solution to settle the debt. If payment in full is not possible, alternatives for structuring a payment plan may be considered, including appropriate guarantees where applicable.

RUCR acts to recover its clients’ claims through the legally available means, always in accordance with applicable law. Where necessary, judicial proceedings or arbitration may be pursued.

In the absence of a negotiated solution, legally available measures may be taken to recover the debt, including, where necessary, judicial proceedings or arbitration. Non-payment may also have consequences for credit assessments conducted by insurers and other parties involved.

Yes. RUCR also provides preventive legal assistance, including credit analysis, assessment of legal and financial risks, review of guarantees and support in structuring contracts before credit is extended or the obligation becomes due.

CONTACT

Request an Initial Assessment

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RUCR LAW is the first Latin-American and only Brazilian member of Global Advocaten

Belo Horizonte

Desembargador Jorge Fontana Street, 50, Office 1110

POSTAL CODE: 30.320-670
Belo Horizonte | MG | Brazil

Phone Number: +55 31 3213 5554

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São Paulo

Eng. Luís Carlos Berrini Avenue, 550, 4º Floor

Postal Code: 04.571-000
São Paulo | SP | Brazil

Phone Number: +55 11 3254 7568

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