Debt collection for consumer credit and BNPL
In instalment credit, the first days of delinquency decide how much you recover. JustSolve agents act straight away, on every channel, in a tone that protects the relationship with the customer.
A day in the life of whoever handles missed instalments. Lots of small cases, little time for each.
High volumes, small amounts
Every day brings new unpaid instalments of a few tens of euros: too many to follow one by one, too small to justify a phone call.
A very narrow window
If the customer isn't reached in the first few days, recovery gets harder and the next instalment risks being missed too.
Recovery targets under pressure
Recovery is measured week by week, while the team spends its time exporting lists and launching campaigns by hand.
External vendors that lack transparency
When cases go to an agency, visibility is lost: who was contacted, how, and with what outcome.
Where value is lost, stage by stage. The path of a missed instalment, today and with JustSolve.
- [01]
Contact
Today: A standard SMS or email, often days after the due date, and no follow-up if the customer doesn't reply.
With JustSolve: Contact starts the same day, on the channel the customer actually uses, with automatic follow-ups.
- [02]
Understanding the context
Today: Those who simply forgot and those who can't pay receive the same message.
With JustSolve: Agents read the history, replies and payment habits and adapt the message to each customer.
- [03]
Negotiation
Today: Moving a date or splitting an instalment needs an operator, so it often doesn't happen.
With JustSolve: Agents offer new dates or plans within the limits you set; cases outside the rules go to your team.
- [04]
Keeping to the plan
Today: Nobody checks in time that the agreed plan is kept: the problem surfaces at the next instalment.
With JustSolve: Every due date in the plan is tracked, and at the first delay the agent contacts the customer again.
- [05]
Handover to legal
Today: Cases reach lawyers without a clear history of contacts and payment promises.
With JustSolve: Only the cases that need it reach your lawyers, with the full history of contacts and replies.
- [06]
Formal notice of default
Today: Formal notices of default are prepared by hand and timing depends on the team's workload.
With JustSolve: The formal notice is prepared and sent at the point the path calls for, through the formal channel you chose.
- [07]
Court action
Today: Cases go to court even for amounts that don't justify it, because the out-of-court stage isn't enough.
With JustSolve: Court action stays the last resort: the out-of-court stage works earlier, and better, on every case.
“The wrong reminder will cost us the customer.”
It's the most common fear in consumer credit, and for good reason: today's late payer is often tomorrow's applicant for a new loan. That's why tone is a rule, not a detail.
You set the tone
Define the style, the words to avoid and the limits of communications: agents respect them on every channel.
Messages that help people pay
Clear reminders, payment links and new dates offered at the right time, instead of generic chasers.
People stay involved
Complaints, sensitive situations and plans outside your rules go to your team, with the whole conversation.
Spend less. Recover more.
+80%
Recovery rate
On receivables overdue by less than 30 days.
-86%
Time saved
Over 20,000 hours saved per team every year.
96%
Customer satisfaction
Among the clients who chose us.
Questions about consumer credit collections
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More industries. The same method, adapted to every type of receivable.
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