Charging badly comes out expensive: default is imminent, but the damage does not need to be

A, although predictable in any credit operation, is still treated by many companies as a merely operational problem. This limited view has a high cost. When recovery is not conducted with strategy, the impact goes beyond financial health. Cash flow is compromised, trade relations wear out and the legal department is overwhelmed with poorly productive disputes.

Sectors such as the retailer, services and industry face daily the reality of scale default. In these contexts, there is no room for improvisation. It is necessary to transform the collection into a technical and structured axis, based on legal intelligence, governance and focus on effective return. The efficient charge begins, first and foremost, with a change of mindset.

• Prior feasibility analysis: not every credit should become a process

The first question that every company should ask in the face of an open credit is: It is worth it to prosecute? Despite the obviousness, the filing of actions against insolvent debtors, with uncertain address or without any indication of equity is still a common practice, resulting in gone overcrowders of sterile processes, which consume resources and do not generate results.

Feasibility analysis must be rigorous and integrated. It is essential to cross internal data with external sources of equity intelligence, history of compliance, sectoral information and solvency indicators. This initial screening, led by the Legal in partnership with the areas of credit and collection, allows us to focus efforts on more viable opportunities, reducing costs and increasing the recovery rate.

• Extrajudicial collection: communication that solves (or anticipates solutions)

Before prosecuting, to extrajudicial collection It represents a high effective way, especially when conducted with technique and communicational intelligence. The difference between generic notification and a well -structured approach is in the results. Assertive models, with language appropriate to the debtor profile, solid legal basis and strategic tone, significantly increase the chance of voluntary resolution.

In the B2B environment, the clarity and formality of communication reinforce the company’s credibility and help preserve commercial bonds, even in the midst of collection. For this, the legal can act as protagonist, standardizing flows, adjusting notification models, documenting all steps and monitoring the success rates of approaches.

• RIGHT ACTION: TECHNIQUE AND STRATEGY Since filing

The choice of proper procedural route makes all the difference in the result of judicial collection. An execution is more effective when credit is liquid, right and required. Monitoring or collection actions are more suitable for situations with lower formalization or greater need for probative instruction. Opt for the rite

Inadequate, without careful analysis of the debtor’s documentation and situation, can result in nullities, delaying defenses and waste of time and resources.

The legal department must act precisely, evaluating from the beginning real and personal guarantees, risk of prescription and possibilities of precautionary measures, such as arrest, attachment or unavailability of goods via Sisbajud. Early and well -planned performance reinforces the effectiveness of the collection and transmits safety to high management.

• Wallet Management and Monitoring: Billing requires monitoring

It is not enough to make actions. Efficient charge depends on a Active Wallet Monitoring. Proper proceedings often result in inertia extinctions, missing opportunities, and failures that directly affect results.

The legal, in partnership with their external offices, needs to act with clear and consistent indicators of collection portfolio performance:

• Success rate by type of action;
• Average process of procedure until receipt of credit;
• Average cost per process (including costs and fees);
• Volume recovered versus total value demanded.

Alert automation, integrated dashboards and management reports should be routine. Judicial collection needs to stop being a pile of proceedings and become an intelligence center on default behavior and legal effectiveness.

• Charging intelligently is protecting assets and reputation

A well-posted legal performance in credit recovery not only avoids losses, but also improves cash management, preserves the company’s reputation and consolidates a mature posture in the market. Charging intelligently is not acting hard. It is acting with method. With vision. With strategy. Default may even be inevitable. The damage, no.

The company that internalizes this logic and strengthens its legal collection structure ceases to act on improvisation and leads to credit recovery with method, accuracy and strategic positioning, turning a recurring challenge into competitive differential. The return is not only in the numbers, but also in the institutional solidity that is built along the way.

*This text does not necessarily reflect the opinion of the young Pan.