Debt Collection Lawyers in Costa Rica

Company with an exceptionally high debt recovery rate.

Judicial & Commercial Debt Recovery with Advanced Technology

Recovering outstanding debts in Costa Rica requires more than legal action — it demands strategy, technology, and precision.

Since 1997, BGA Abogados has provided judicial and administrative debt collection services in Costa Rica with an exceptionally high recovery rate. Our firm represents financial institutions, corporations, private lenders, and public entities in the efficient recovery of delinquent accounts, while carefully protecting ongoing commercial relationships.

We focus on results — without unnecessary disruption to your business operations.

Judicial & Administrative Debt Collection in Costa Rica

We manage every stage of the debt recovery process, including:

Pre-default monitoring (early intervention)
Early delinquency recovery
Administrative (amicable) collection
Judicial debt collection proceedings
Enforcement of judgments
Asset seizure and attachment

Our goal is to maximize recovery while minimizing legal risk and reputational exposure.

AI-Powered Debt Recovery System in Costa Rica

BGA Abogados integrates over 50 years of combined legal experience with proprietary technology, including:

MAIA, our artificial intelligence virtual assistant for large-scale debt monitoring
CollectorCore, our proprietary collection management software
Online payment integration through our digital recovery platform

CollectorCore received the Business Excellence Award in Electronic Commerce from the Costa Rican Chamber of Commerce, reflecting our commitment to innovation in legal services.

Through our online payment system, debtors can securely settle outstanding obligations, facilitating faster and more efficient recoveries.

Our Debt Recovery Services Include:

Judicial filing and court representation for unpaid debts
Debtor location and asset investigation
Garnishment and seizure of movable assets
Ongoing case monitoring and enforcement tracking
Legal structuring of collateral for new credit operations
Drafting and formalization of guarantees and secured agreements
Certification of uncollectible accounts for accounting and tax purposes

Our experience includes thousands of judicial and administrative recovery cases successfully processed for both public institutions and private companies in Costa Rica.

Protecting Commercial Relationships

Effective debt recovery does not always require immediate litigation.

When appropriate, we negotiate structured payment plans that preserve the business relationship between creditor and debtor. Our approach balances firmness with commercial intelligence.

Do You Need a Debt Recovery Lawyer in Costa Rica?

If your company is facing unpaid invoices, delinquent loans, or defaulted obligations in Costa Rica, our legal team provides strategic, technology-driven, and results-oriented representation.

Effective debt recovery requires experience, enforcement capability, and intelligent systems.

Frequently Asked Questions – Debt Collection in Costa Rica

1. What is judicial debt collection in Costa Rica?

Judicial debt collection is the legal process of recovering unpaid debts through court action when voluntary payment has failed.

2. What is the difference between administrative and judicial collection?

Administrative collection seeks voluntary payment through negotiation. Judicial collection involves filing a lawsuit to obtain a court order and enforce recovery through legal mechanisms.

3. How do you protect business relationships during collection?

We prioritize negotiated payment agreements whenever feasible, allowing debt recovery without unnecessarily damaging commercial relationships.

4. What technology do you use for debt recovery?

We use MAIA (AI monitoring system) and CollectorCore (collection management software) to track, manage, and accelerate debt recovery.

5. Can debtors make payments online?

Yes. Debtors can securely pay outstanding obligations through our online platform, enabling faster resolution of delinquent accounts.

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