NPL portfolio management
Outsourcing of judicial recovery of non-performing mortgage and personal debt portfolios. Client-focused management with periodic reporting, per-file tracking and objective-based planning, tailoring the litigation strategy to each portfolio type.
How we work
Our methodology for this service
Portfolio intake and diagnosis
We receive the case portfolio, classify files by type, amount and procedural status, and conduct a viability assessment to prioritise files with the highest recovery potential.
Procedural strategy assignment per file
For each file we define the most appropriate strategy — payment order, mortgage enforcement, verbal, ordinary or negotiation — optimising procedural costs and recovery prospects.
Volume management with periodic reporting
We manage all files with controlled deadlines, individual follow-up and periodic reporting to the client on the status and progress of each segment of the portfolio.
Enforcement and file closure
We enforce favourable rulings with active asset investigation and manage the closure of each file with the corresponding settlement and outcome documentation.
Who this is for
Banks, debt servicers and investment funds that outsource judicial recovery of mortgage and consumer credit NPL portfolios. Also asset managers acquiring distressed portfolios that need a legal partner with high-volume management capacity.
Discover more by sector
Why MES Legal?
- Specialist lawyers with proven expertise in each practice area
- Offices in Barcelona and Madrid with national coverage throughout Spain
- Results-oriented, practical approach with clear risk management
- Direct professional relationship — no large-firm layers or intermediaries
Other services in this area
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Judicial debt recovery
Recovery of unpaid debts through payment order proceedings, verbal and ordinary trials. Strategy tailored to the debtor profile and available documentation, with extensive experience managing large case portfolios for banks and debt servicers.
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Breach of contract
Action against breaches of contractual obligations in sales, leases, construction contracts and commercial agreements. Involvement in pre-litigation demand and negotiation, as well as judicial defence to enforce performance, rescind the contract or claim damages.
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Monetary claims
Management of the most appropriate proceedings for recovering outstanding amounts, including principal, default interest and legal costs. Analysis of the best recovery route depending on the nature of the debt, the debtor's solvency and available documentation.
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Civil liability and damages
Civil liability actions for material, personal and financial damages arising from breaches, negligence, accidents and construction defects. Assessment of the extent of harm and development of claims or defences with a rigorous evidentiary basis.