Direct acquisition of credits claimed towards bankruptcy proceedings
Guber is a company with trading licence pursuant to article 115 of the Consolidated Act of Public Safety Laws and then authorized, as per Ministerial Decree n.53/2015, to acquire non performing loans. So we can purchase debts whose settlement is uncertain and/or difficult collectable debts either from commercial and residential parties or from financial and banking activities.
The debt assignment is usually done without recourse and it is previously subject to a due diligence performance in order to estimate its likely break-up value and/or the same value of an entire debt portfolio subject to a prospective disposal.
Guber is also interested in purchasing single third parties’ debt claims being part of bankruptcy assets.
In our opinion, the counterpart choice is a key issue in terms of debt assignment.
Therefore, we would like to point out that the economic estimation is not the only feature to take into consideration on such matters;
other features such as the professional conduct and the good reputation are highly recommended.
NPL portfolio acquisition
We directly acquire NPL portfolios from Banks.
The feasibility study is carried out at the premises of the potential Assignor with the aim of submitting a proposal taking into account both the recovery estimates and the relevant timing.
Appropriate control systems and exclusion principles prevent any conflict of interest.