Industry
Non-Performing Loan Servicing Debt Recovery
Housing loans, personal loans, business loans, current accounts and credit cards
DECOL provides specialised non-performing loan (NPL) servicing and recovery for financial institutions, credit providers and loan portfolios. We handle secured and unsecured NPLs with structured workflows that maximise recovery while preserving asset value and regulatory compliance.
Typical debts we recover
Recovery timeline
Portfolio assessment & segmentation 1–7 days
Classify by product type, age, collateral and viability
Borrower engagement & affordability review 7–30 days
Open dialogue, hardship assessment, restructuring options
Restructuring or settlement 30–90 days
Payment plans, forbearance, partial settlement or collateral realisation
Legal enforcement (if required) 3–18 months
Court proceedings, enforcement orders, asset realisation
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Mortgage / housing loans (most EU) | 10–30 years | Often longer than standard contract limits |
| Personal loans (most EU) | 3–10 years | Jurisdiction-specific |
| Credit card / revolving credit | 3–6 years | Varies by jurisdiction; rolling limitations may apply |
Sector challenges
- •Regulatory capital-requirement implications
- •Collateral valuation and realisation complexity
- •Borrower vulnerability and forbearance obligations
DECOL approach
- •Product-specific recovery strategies (mortgage, unsecured, revolving credit)
- •Affordability-driven repayment plans with documented forbearance
- •Coordination with legal counsel for enforcement and asset recovery