Collections intelligence

Your portfolio recovers less than it should. We prove how much.

For companies holding receivables in stock with recurring collections: Quitta scores every claim using full credit-bureau data, a proprietary recovery dataset and a behavioural model — then runs the operation with a guaranteed performance floor above your current results.

Analyze my portfolio Free diagnostic · answer within 5 business days
PORTFOLIO DIAGNOSTIC — NO. 0147 ANALYZING
CLAIMVINTAGEQUITTA SCOREVERDICT
DPL-0441234d
SETTLED
DPL-0441358d
QUITADO
DPL-0441896d
JUDICIAL
DPL-0442172d
NEGOTIATING
DPL-0442741d
QUITADO
PREDICTED VS. CURRENT RECOVERY
+0%
MODEL v3.2 · BUREAUS ✓
BEHAVIOURAL ✓ · AGENTIC SEARCH ✓
The intelligence layer

Three data sources. One verdict per claim.

Before any contact is made, every claim gets a propensity score, a payment-capacity read and a recommended strategy. Collections without intelligence is a dunning ladder; with intelligence, it is recovery engineering.

PROPRIETARY DATASET

Recovery data no bureau sells

Every settlement closed, promise kept and broken arrangement feeds the model. What powers our prediction is real collections outcome data — proprietary, compounding and impossible to replicate from outside.

FULL BUREAU COVERAGE

Complete view across the major bureaus

Portfolio analysis built on full credit files, negative records, protests and litigation history — payment capacity and propensity assessed debtor by debtor, claim by claim, before any strategy is set.

BEHAVIOUR + AGENTIC SEARCH

Behavioural model and agent-led mapping

Contact history trains the behavioural model; Parallel-class web search agents sweep the debtor’s public signals: active operations, shareholders, assets, litigation. The full map before the first contact.

How it works

Four steps. Zero risk of doing worse than you do today.

The whole flow is built for an evidence-based decision: first we prove it, then we guarantee it.

1

Historical & results analysis

We audit your current operation: recovery by bucket, vintage, channel and cost. Your portfolio’s real baseline — no guesswork, your own numbers.

DELIVERABLE: AUDITED BASELINE
2

Prediction with the Quitta model

We cross proprietary data, bureaus and behaviour to predict recovery claim by claim — and show exactly where your current process leaves money on the table.

DELIVERABLE: PREDICTED VS. CURRENT
3

Success fee with a performance floor

We only earn on what we recover above your current results. The minimum performance floor — above your baseline — goes into the contract.

DELIVERABLE: FLOOR IN CONTRACT
4

Guaranteed recovery

A firm proposal covering your current stock and the flow of the coming months. A continuous collections pipeline — not a one-off project.

DELIVERABLE: STOCK + MONTHLY FLOW
The two tracks

Out-of-court and judicial. Always both, from day one.

Every claim enters the pipeline with a dual strategy set by the model — negotiate, and enforce when the score says so. No claim waits for the amicable route to fail before it starts moving.

Out-of-court track

  • Omnichannel negotiation run by AI agents — tone, channel and timing set by the behavioural model
  • Settlements, installment plans and discounts calibrated to real payment capacity
  • Notary protest and credit reporting deployed as leverage, not routine

Judicial track

  • Mass filings with AI-drafted pleadings — a cost per lawsuit that makes small claims viable
  • Claim aggregation per debtor (Brazilian CPC art. 780) to clear the viability threshold
  • Continuous asset and wealth-signal monitoring via agentic search
ALWAYS OUT-OF-COURT + JUDICIAL IN PARALLEL — THE MODEL DECIDES, CLAIM BY CLAIM
Commitment 01
Free diagnostic, with an audited baseline of your current operation
Commitment 02
A performance floor above your results — in the contract, not on a slide
Commitment 03
A proposal covering both your stock and the coming months’ flow
Start with the diagnostic

Send us your portfolio. The analysis proves the rest.

Idle stock or recurring pipeline: within 5 business days you get the audited baseline and the model’s prediction — and decide with the numbers on the table.

FREE OF CHARGE · NO EXCLUSIVITY DURING ANALYSIS · STANDARD NDA