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Insolvency & Mortgages

Loans with solid guarantees, collection if you are not paid, and individual insolvency.

Insolvency & Mortgages: a scale-model house and a payment agreement

Granting credit means taking on risk and making sure contracts are solid and backed by real, enforceable guarantees. That is why we offer our highly experienced team to provide comprehensive advice at every stage of the process and to secure the ability to garnish, seize and auction assets for effective payment of the obligation, even in cases of default.

Our approach focuses on managing, structuring and formalizing agreements so that guarantees are maximized and risks minimized, now and in the future, with solutions tailored to your needs and in line with current regulations.

Within this service we support you with

  • Title review.
  • Debtor viability research.
  • Drafting of loan agreements (mutuo).
  • Drafting of the mortgage public deed.
  • Completion of negotiable instruments.
  • Collection in case of default.
  • Others.

To start collecting the debt

Pre-litigation collection

We send formal notices to the debtor with a short deadline to pay, warning that, failing payment, legal proceedings will be started. It depends on the viability and the collection strategy best suited to the case.

Judicial collection

We start legal proceedings and request precautionary measures, such as the garnishment or seizure of the debtor's assets or salary, to secure payment.

Facing financial difficulties?

We advise you in insolvency proceedings for individuals and merchants, evaluating your situation and the legal alternatives available to reorganize your obligations. Contact us and we'll study your case.

Want a quote for your case?

Tell us your situation and we'll guide you on the requirements, documents and costs.

Send us a WhatsApp message and get your quote in less than 24 hours.

Get a quote on WhatsApp

What documents you need

See the guide for each procedure: documents, steps and approximate time. You can check off what you already have and send us the list.

Clear legal solutions, professional backing and confidence at every step.

Does your case involve insolvency and mortgages?

Tell us your situation. The first 15 minutes of guidance are free of charge, and in the consultation we explain your options, the documents and the costs.

Contact and location

Visit us in Cartago or write to us: we serve you in person, by video call or by phone.

Carrera 4 # 11-84, second floor, office 201
Cartago, Valle del Cauca, Colombia

Next to Banco AV Villas, in the building of the Second Notary Office of Cartago, near Plaza de Bolívar.

How to get to the office

If you are at Plaza de Bolívar, head to Carrera 4 and look for Banco AV Villas: we are right next door. There you will find a door numbered 11-84; go up the stairs to the second floor, in the building that houses the Second Notary Office of Cartago, and look for office 201 with the Perspectiva Jurídica Abogados sign.

Business hours

  • Monday to Friday8 a.m. to 12 p.m.
    2 p.m. to 5:30 p.m.
  • Saturday and SundayClosed

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