Extrajudicial collection
Pre-legal management of overdue commercial and consumer receivables: documented notices, calls and written communication within statutory hours.
Believer S.A.S. is a collection agency registered in the Mercantile Registry of the Cámara de Comercio de Medellín. We manage overdue receivables on behalf of creditor companies — by agreement, in writing, and within the limits that Colombian law sets for every collection contact.
We are not a bank and not a lender. We do not grant credit, take deposits, or offer financial products. Our work is governed by Ley 2300 de 2023 (collection conduct) and Ley 1266 de 2008 (financial habeas data), under the oversight of the Superintendencia de Industria y Comercio (SIC).
We act only under a written mandate from the creditor. Every file we manage corresponds to a documented obligation; we do not pursue debts we cannot substantiate on paper, and we provide the supporting documentation to any debtor who requests it.
Pre-legal management of overdue commercial and consumer receivables: documented notices, calls and written communication within statutory hours.
Negotiation of restructured payment schedules on the creditor's instructions — always issued in writing, with a copy for the debtor.
Reconciliation of accounts, verification of balances, and orderly documentation of each obligation before any contact is made.
Support with reporting obligations under Ley 1266 de 2008 — including the prior notices and corrections that financial habeas data requires.
Colombian law fixes when, how often, and whom a collector may contact. These limits bind us, and we state them here so that any person we contact can hold us to them.
| Day | Permitted contact hours |
|---|---|
| Monday – Friday | 7:00 a.m. – 7:00 p.m. |
| Saturday | 8:00 a.m. – 3:00 p.m. |
| Sundays & public holidays | No collection contact permitted |
Oversight: the Superintendencia de Industria y Comercio (sic.gov.co) handles complaints about collection conduct. If you believe any contact from us breached these rules, we ask you to tell us — and you may complain to the SIC regardless.
Businesses that promise to delete accurate negative records for a fee — so-called reparadoras de crédito — cannot deliver what they sell. The only lawful ways a negative entry leaves your file are payment, correction of an error, or expiry of the legal term. We are not a credit-repair business and have no relationship with any.
Every file we manage has an identified creditor and a written mandate. Ask for both; we are obliged to say on whose behalf we are calling and to substantiate the obligation in writing.
Confirm Believer S.A.S. (NIT 901885361) in the public registry at rues.org.co. A caller who cannot be matched to a registered company is not us.
Any payment plan, discount or settlement is valid only when issued in writing on behalf of the creditor. A verbal "offer that expires today" is a pressure tactic, not a document.
Payments go exclusively to the account stated in the written agreement — in the name of the creditor or of Believer S.A.S. Never to the personal account, Nequi or Daviplata of an "advisor".
After settlement you receive a receipt and written confirmation that the obligation is closed. Do not accept a closure that exists only by phone.
Fraudsters pose as collection agencies: they demand immediate transfers, ask for card numbers or verification codes, and press people to pay into personal accounts. We never ask for your card number, PIN, passwords or one-time codes, and we never take payment into personal accounts. If a contact claiming to be Believer S.A.S. does any of this, end the contact and write to us at the address below.
You provide the portfolio and its supporting documentation. We assess what is substantiated and collectible — and decline what is not.
A contract defines the scope, the fee basis and the conduct standards. Fees are agreed per engagement and are not published as a price list.
All contact with your debtors follows Section 02 — statutory hours, capped frequency, no third parties. Your name is used only as the law permits.
Recovered amounts are settled in Colombian pesos (COP) to your account under the contract, with periodic written reporting on every file.
No. Believer S.A.S. is a collection agency (CIIU 8291). We do not grant loans, take deposits or offer any financial product, and we are not an entity supervised by the Superintendencia Financiera de Colombia. Our conduct in collection matters is overseen by the Superintendencia de Industria y Comercio.
Search "Believer S.A.S." or NIT 901885361 in the national business registry RUES (rues.org.co), maintained by the chambers of commerce. The record shows our registration with the Cámara de Comercio de Medellín, incorporated 30 October 2024, with an active matrícula.
We were incorporated in October 2024 and say so plainly — the registry record is short, and we do not dress it up with invented history or client lists. What we offer instead is verifiable: a registered company, documented mandates, and conduct standards published on this page that you can hold us to.
No — and no one lawfully can. Accurate negative data leaves your file only through payment, correction of an error, or expiry of the legal term under Ley 1266 de 2008. Anyone selling guaranteed deletion is selling something that does not exist.
Tell us in writing — we will review the contact and correct it. You may also file a complaint with the Superintendencia de Industria y Comercio (sic.gov.co), which sanctions breaches of Ley 2300 de 2023. The legal contact windows are listed in Section 02.
"Believer" is the registered trade name of this company and nothing more. We are not affiliated with any other business, in Colombia or abroad, that uses a similar name.
Calle 3 Sur Nº 43A-52, Oficina 702
Medellín, Antioquia 050022, Colombia
Monday–Friday 7:00 a.m. – 7:00 p.m.
Saturday 8:00 a.m. – 3:00 p.m.
Closed Sundays and public holidays — as required for collection contact under Ley 2300 de 2023.
Disputes about any obligation we manage, or about our conduct, may be sent to the e-mail above and are answered in writing.