How we work
Seven connected stages, from receiving the file to the final report.
How a debt file moves through Qemma
Every file goes through the same stages, and the financing entity stays informed of its progress at each one.
See our servicesReceiving the file
We receive the debt details, debtor information and supporting documents from the financing entity.
Analysis and assessment
We assess the amount, due date and debtor history, then choose the most suitable strategy.
A tailored plan
We build a collection plan for each case and set priorities by debt size and importance.
Notices and contact
We send initial notices, then call to explain the amount due and the payment deadline.
Negotiation and settlement
We negotiate a suitable payment agreement with the debtor, which may include flexible scheduling.
Legal action
If payment is not made, a specialized legal team files claims and other lawful procedures.
Follow-up and reporting
We follow every case regularly and give the financing entity periodic updates and reports.