Cárdenas Maestre Abogados

Receivables Management & Recovery Solutions.

We recover value.
We create paths to resolution.

CMA helps organizations manage and recover receivables while supporting account holders in resolving outstanding obligations, combining legal expertise, specialized management, data, and technology.

Explore Our Solutions I Have an Account with CMA
Conceptual executive office overlooking the city and mountains, with a sofa and a small chess table
More than recovery.
Relationships built to last.
Discover our approach
SPECIALIZED EXPERTISE BUILT OVER TIME

13+YEARS OF EXPERIENCE

Legal ExpertiseSpecialized ManagementTechnologyData & TraceabilityOmnichannel Engagement

Solutions

One Integrated Model.
Three Stages of Recovery.

Receivables management and recovery supported by the judgment to determine the appropriate path for each account.

01 / TIMELY OUTREACH

Early-Stage
Recovery

Early outreach to establish contact, support resolution, and help prevent accounts from becoming more delinquent.

Recovery Starts with Information
02 / NEGOTIATION & AGREEMENTS

Pre-Litigation
Resolution

Specialized outreach, negotiation, documentation, and follow-up on agreements, informed by a review of each account.

Structured Options. Consistent Follow-Through.
03 / SELECTIVE LEGAL ACTION

Legal
Recovery

A selective path pursued only after evaluating documentary, legal, and economic viability and the reasonable likelihood of recovery.

Evaluated Before Proceeding

Information in action

Technology and Information for Smarter, Measurable, and Traceable Recovery.

Legal expertise and specialized management are supported by segmentation, automation, data, and omnichannel engagement. Information helps teams monitor progress and make better decisions.

Technology & AutomationData & TraceabilityOmnichannel Engagement
RECOVERY MODELConceptual View
INFORMATION THAT DRIVES DECISIONSSegmented Recovery Management

From receivables analysis to follow-up on every account.

SegmentationOutreachNegotiationAgreementsFollow-UpTraceability
OMNICHANNEL ENGAGEMENTVoice · SMS · Chat · Email · Digital Channels
APPROACHDecision Support · Follow-Up

The idea behind our work

Our view of recovery

Recovery Goes
Beyond Collection.

It also means understanding each situation, establishing contact, negotiating options, facilitating agreements, resolving obligations, and measuring results to make better decisions.

What supports the model

Integrated Capabilities.

CMA brings legal judgment, specialized operations, technology, and information together around receivables management and recovery.

01

Legal Expertise

Legal judgment to assess obligations and support sound decisions.

02

Specialized Management

Strategies tailored to the characteristics of each receivables portfolio.

03

Technology & Automation

Tools that support continuity and operational efficiency.

04

Data & Traceability

Actionable information for follow-up and better decisions.

05

Omnichannel Engagement

Communication channels tailored to each recovery program.

How we work

Results Matter.
So Does the Way We Achieve Them.

Effective recovery requires results—and a responsible way of achieving them.

01

Rigor

Rigor without rigidity.

Method, judgment, and attention to detail.

02

Integrity

Transparency and accountability.

Alignment between what we promise, what we do, and what we report.

03

Humanity

Recovery with respect.

Respect, empathy, and clarity in every interaction.

04

Intelligence

Technology with a human touch.

Experience and information for better decisions.

05

Excellence

Improvement backed by results.

Measurement, learning, and continuous improvement.

FOR ORGANIZATIONS

Make Receivables Recovery a Strategic Part of Your Operation.

Segmented management, omnichannel engagement, negotiation and payment arrangements, traceability, and actionable information support a more disciplined recovery process.