Credit | Credit Recovery in Brazil in the Digital Age: Companies and Investors Must Use Technology/AI + Legal Measures to Generate Results

In the current scenario in Brazil of high volumes of delinquent corporate debt, Non-Performing Loans (NPLs), Distressed Assets, and Special Situations, credit recovery must be based on the intensive use of technologies and AI, combined with strategy and legal measures to collect debts in the shortest time and with the best results.

According to a study by Serasa Experian, Brazil ended 2025 with 8.9 million delinquent companies and BRL 213 billion in negative debts. In other words, there are more distressed assets, more capital competing for opportunities, and less room for traditional recovery strategies.

In this context, we highlight below strategies for debt recovery by Brazilian and foreign companies and investors in Brazil:

1. Companies and Investors Should Consider Using Technology/AI to Track and Cross-Reference Information on Debtors and their Assets: the first point is the development of data intelligence and documentation on debtors and their assets based on technology and AI.

Recent cases of successful recoveries demonstrate that the use of technology and AI for data cross-referencing, monitoring and in-depth analysis of economic connections of debtors, related parties, their businesses and assets, resulted in a greater probability of success and effectiveness.

AI tools allow processing and cross-referencing publicly available information and data, increasing the likelihood of identifying de facto economic groups, asset reorganizations, business successions, family holdings, atypical asset transfers and potential vehicles used for asset protection.

2. Companies, FIDCs, and Investors Must Combine Technology/AI + Strategy and Legal Measures to Make Debt Collection More Effective: Combining the use of technological intelligence with efficient legal measures has a greater potential to result in faster debt recovery.

Based on information and documentation eventually identified, precautionary measures, asset tracing, evidence production, piercing the corporate veil, investigations of fraud against creditors, liability for economic groups, business succession planning, among others, become adequately grounded in order to make them viable.

With the high cost of money in Brazil today, companies and investors must carry out their debt collection by combining technology and AI with modern strategies and legal measures to make them more effective and faster.