Your original creditor transferred the collection rights of your debt to Recovia through an assignment agreement. This means Recovia is now the legal owner of your debt and has the right to collect it under the law.

Assignment is a legal process where one party (assignor) transfers the right to collect a debt to another party (assignee). In this case, your original creditor transferred that right to Recovia.

Yes. Debt assignment is fully legal and regulated under the Ley General de Títulos y Operaciones de Crédito, among other applicable laws in Mexico.

Recovia is the legal owner of the debt, not just a collection agency. Therefore, it can:
• Report your debt to the Credit Bureau;
• File legal claims for non-payment;
• Request a judicial embargo of your assets;
• Continue applying interest as established in the original loan contract.

Yes. As the new creditor, Recovia has the right to apply interest according to the terms of the original loan agreement.

You can:
• Check your credit report in the Credit Bureau (updates may take up to 30 days);
• Contact your original lender, who will confirm the assignment of the debt to Recovia.

Please contact our customer service team — [link to contact section]. We’ll help you review your balance, payment options, and answer your questions.

Yes, Recovia works with several authorized collection agencies.
You can check the official list of partner agencies here — [link].
These agencies collect payments only into Recovia S.A. de C.V. accounts. Always verify the recipient before making any payment.

Once we confirm full payment or compliance with a payment agreement, we will remove the debt from the Credit Bureau.
Please note: the update may take up to 30 calendar days.
You can request your Carta Finiquito using [form / link].
After verifying and confirming the debt closure, we’ll send the letter to your email.