Brazil's fast-track needs only weak paperwork to start — an unsigned invoice or an email chain can be enough. And unlike our correspondent-only desks, we have our own office in São Paulo. First results typically within 20 days. You pay only when money moves.
Este escritório representa o seu credor em relação ao crédito comercial acima indicado, atualmente vencido e não pago.
Solicitamos o pagamento integral do valor devido no prazo de sete dias a contar da data desta notificação, acrescido de juros de mora nos termos dos artigos 394 a 407 do Código Civil. Na ausência de pagamento, estamos instruídos a ajuizar, sem aviso adicional, uma ação monitória com base na Lei 13.105/2015.
Nossa equipe em São Paulo já dispõe do processo completo.
This is what your Brazilian debtor receives — sent by our own team in São Paulo, not a correspondent. And because an ação monitória only needs written evidence short of an enforceable instrument, imperfect paperwork rarely stops the case from moving. Hover the black bars — that is where your debtor's name goes.
Brazil's fast track needs only weak paperwork to open — the opposite of the strict documentary bar in Poland, Italy, or Austria. Tap a stage — see what the debtor receives, what it costs them, and what the law hands you next.
«Informamos que a fatura ████ no valor de R$███,███ encontra-se em aberto…»
«Solicitamos o pagamento no prazo de sete dias, acrescido de juros de mora…»
«Com base em prova escrita sem eficácia de título executivo, requer-se a expedição de mandado…»
«O réu poderá opor embargos monitórios no prazo de 15 dias úteis…»
«Na ausência de embargos, o mandado converte-se em título executivo, procedendo-se à ██████ Ltda.»
Cosmodca runs this ladder for overseas creditors every day — a debt collection agency for Brazil with our own office in São Paulo, not just a correspondent network, following your case from filing through enforcement. Brazil's fast track is deliberately permissive: where Poland's nakaz zapłaty or Italy's decreto ingiuntivo demand strong documentary proof before a case can even open, Brazil's ação monitória only needs evidence sufficient to support a probability — exactly the situation most overseas creditors with imperfect Brazilian paperwork are actually in. Debtor elsewhere in Latin America? See the international debt collection agency desk.
Creditors in the US, UK, Germany, and beyond place Brazilian cases with one desk — our own team in São Paulo, one dashboard in your language.
Brazil is one of the few greenfield countries in this wave with real payment and insolvency data, though both need careful reading:
77% of Latin American companies reported late payment in 2025 and average delays ran 42 days — both are regional Coface figures, not Brazil-specific, shown here only for context. Serasa Experian's Indicador is the standard reference every Brazilian outlet and the judiciary itself quote, but it's a private intermediary series, not an official government statistic — treated as MEDIUM confidence accordingly. The clearest signal in the data: Brazilian financial distress is increasingly routed into restructuring rather than liquidation. Sources: Coface, 2025 Latin America Corporate Payment Survey · Serasa Experian, Indicador de Recuperações Judiciais e Falências · US Census Bureau, Trade in Goods with Brazil
Debt collection in Brazil is the recovery of overdue invoices from Brazilian businesses on behalf of the creditor — formal notice, then, where unresolved, an ação monitória filed on written evidence alone. For an overseas creditor, a debt collection agency for Brazil with its own office in São Paulo runs the entire ladder locally while you keep one contact.
Your case reaches our own team in São Paulo the same day.
Live entity confirmed against the Brazilian commercial registry.
Notificação extrajudicial, commonly issued through a cartório for proof. Most Brazilian commercial cases settle here.
Filed under CPC Art. 700 — needs only written evidence short of an enforceable instrument, not a strong documentary record.
The debtor has 15 business days to contest; uncontested, the order becomes an executive title automatically.
Execution follows directly; or funds transferred with a full report. No recovery, no fee.
Three models cover nearly every Brazilian commercial case. The percentage depends on claim age, size, and complexity. Legal costs are quoted and approved by you before any filing.
A flat-fee Brazilian demand sequence under your name — cobrança amigável and notificação. Escalates only if the debtor stays silent.
A success fee on the amount actually recovered. Nothing upfront. Nothing on failure. Código Civil interest (Arts. 394–407) often offsets part of the fee.
Ação monitória filing and enforcement through our own São Paulo office. For urgency, the fast debt collection service; for contested claims, attorney-based debt collection from day one.
Every other pillar on this site runs through vetted local correspondents — lawyers and collectors we work with, not employ. Brazil is different: Cosmopolite has had its own São Paulo office since March 2023, which means your case is handled by our own team from the first notificação extrajudicial through enforcement, not handed off. Combined with Brazil's genuinely permissive ação monitória — which needs only written evidence short of an enforceable instrument to open — this is one of the strongest positions in our entire network for a creditor with real but imperfect paperwork. Specialist B2B debt collection puts that machinery behind your receivable on a success-fee basis, with industry desks for manufacturing, logistics, healthcare, aviation, maritime, and technology.
Debt collection in Brazil escalates from a cobrança amigável to a notificação extrajudicial — a formal notice commonly issued through a cartório for proof — then to an ação monitória filed under Article 700 of the Código de Processo Civil. If the debtor doesn't file embargos monitórios within 15 business days, the resulting mandado de pagamento becomes an executive title automatically.
A Brazilian business that ignores an ação monitória without contesting it faces cumprimento de sentença — direct execution against its assets — since the uncontested mandado de pagamento converts into an executive title without any further judgment step.
Yes. Unlike every other country we cover, which runs on a correspondent network of local lawyers and collectors, Cosmopolite has operated its own office in São Paulo since March 2023. Your case is handled by our own team from the first notificação through enforcement.
Article 700 of the Código de Processo Civil requires only prova escrita sem eficácia de título executivo — written evidence that falls short of an enforceable instrument. Brazilian courts have held this doesn't need to be robust, just sufficient to support a judgment of probability. An unsigned invoice or an email chain is often enough — the opposite of the strict documentary bar that gates fast-track procedures in Poland, Italy, or Austria.
On the contingency model, nothing upfront: the success fee is a percentage of the amount actually recovered, quoted in writing before you place the case. Articles 394 to 407 of the Código Civil entitle a B2B creditor to statutory default interest, which we cite in the notificação extrajudicial and which often offsets part of the fee.
Yes, directly. An ação monitória doesn't require a prior US or UK judgment — it's filed straight with the Brazilian civil courts (Justiça Estadual). Where you already hold a foreign judgment, our São Paulo team assesses whether recognition changes the strategy.
The longer read for creditors doing their homework: how Brazilian collection actually runs, the weak-paperwork signature that makes Brazil different, the ação monitória procedure in detail, what Brazilian law does and doesn't give you, and when placing a case is the wrong move. Open what matters.
A debt collection agency working Brazil for an overseas creditor does four things you cannot efficiently do from abroad. It verifies the debtor against the Brazilian commercial registry. It applies pressure via notificação extrajudicial, citing the Código Civil. It escalates through an ação monitória filed with the civil courts. And it enforces via cumprimento de sentença.
Unlike every other pillar in this network, Brazil is handled by Cosmopolite's own São Paulo team, not correspondents — genuinely different from how the rest of the site is built, and worth stating plainly rather than folding into generic "local collectors" language.
Article 700's bar is deliberately low: written evidence that falls short of an enforceable instrument is enough to open an ação monitória. Brazilian courts have held it need only support a judgment of probability, not prove the debt conclusively at the filing stage.
That's the opposite of Poland's nakaz zapłaty or Italy's decreto ingiuntivo, both of which demand strong documentary proof before a case can even open. For a foreign creditor whose Brazilian paperwork is real but imperfect — an unsigned invoice, an email chain, a purchase order without a countersignature — Brazil is one of the more forgiving jurisdictions in this entire network.
The claim is heard in the ordinary state civil courts (Justiça Estadual), not a specialist forum. Once the mandado de pagamento is issued, the debtor has 15 business days to file embargos monitórios.
Filing embargos sends the matter to ordinary litigation, argued on the merits. Filing nothing converts the mandado into an executive title automatically, and cumprimento de sentença — execution — follows directly.
Articles 394 to 407 of the Código Civil entitle a B2B creditor to default interest, cited directly in the notificação extrajudicial. And the 2025 numbers tell a specific story: record recuperações judiciais alongside a 19% fall in falência requests — Brazilian financial distress is increasingly routed into restructuring rather than liquidation, which changes what a realistic recovery looks like in practice.
Two honest caveats: the 77% late-payment and 42-day delay figures are Latin America regional Coface numbers, not Brazil-specific, and Serasa Experian's insolvency series is a private intermediary count rather than an official government statistic. Both are shown captioned rather than dressed up as more authoritative than they are.
Candor is cheaper than a wasted mandate. If the debtor is already in recuperação judicial — and 2025's record-high processes make this a live possibility, not a corner case — a fresh ação monitória is the wrong tool, and we will tell you so at assessment. If the debtor genuinely disputes what you delivered, embargos monitórios is likely, and the file needs to be built for ordinary proceedings from the outset. And if the claim is past the applicable limitation period, no collector revives it.
Everything else — the silent Ltda., the debtor who "never received" the invoice, the customer betting an overseas creditor won't instruct a real São Paulo office — is exactly what this desk exists for. The assessment costs nothing and tells you which category your case is in. Debtors elsewhere in Latin America belong with the global coverage hub.
Free assessment · answer within one business day · no recovery, no fee
Place a case →Our debt recovery agency with over 25 years of experience provides: Business to Business Collections Services, Legal Debt Collections and worldwide Skip Tracing services.
