EN 
Evertec’s credit collection platform is recognized for Its technology-driven and personalized approach
Unfortunately, delinquency remains a common challenge for financial institutions in Brazil. According to the Consumer Indebtedness and Delinquency Survey (PEIC) conducted by the National Confederation of Commerce of Goods, Services and Tourism (CNC), in May 2026, 81.6% of Brazilian households were in debt, while 29.9% had overdue bills.
However, data from the Central Bank of Brazil (BCB) shows that delinquency rates in consortia remain significantly lower than those observed in the broader credit market. Delinquency rates in the consortium system are calculated by the Central Bank based on amounts owed by awarded consortium members.
Delinquency in Consortia
While the Consumer Indebtedness and Delinquency Survey (PEIC) reported that 29.9% of Brazilian households had overdue bills in 2026, the consortium system recorded a delinquency rate of only 2.35%, according to the Central Bank. This figure reinforces that the sector maintains rates significantly below those observed in the Brazilian economy as a whole.
Consortia are considered a low-risk investment option. After all, this modality includes mechanisms such as reserve funds, insurance coverage, collateral requirements for awarded members, and credit history analysis of applicants, all of which help minimize the risk of delinquency.
Nevertheless, delinquency can still occur. Another point of attention is that the Central Bank recently updated the rules governing delinquency in this sector.
The Central Bank established that participants in consortium groups may be overdue for no more than three consecutive installments, which is now the maximum delinquency period allowed. If a participant remains overdue beyond this period, they may be removed from the group. Previously, there was no defined deadline for removing delinquent consortium participants.
Therefore, delinquency is a topic that consortium administrators and members should monitor carefully—and technology can be a valuable ally in this journey.
Evertec’s role in combating delinquency
QuiteJá, part of Evertec’s portfolio, is one of the leading companies in the credit negotiation segment. It was created with the mission of transforming debt negotiation in Brazil through digitalization and a human-centered approach to customer service.
More than just a debt renegotiation platform, QuiteJá aims to be the best alternative for consortium administrators and other companies in the financial sector to organize their receivables while providing creditors with the most flexible and effective platform available.
How does it work?
We have developed a scalable operation that combines automation and artificial intelligence with customer relationship management. The company offers a comprehensive set of tools designed to generate solutions and provide immediate support for any portfolio expansion or change.
Key differentiators of our platform:
- 100% digital solution;
- Scalable operation;
- High efficiency and strong conversion rates;
- Data intelligence to better locate and negotiate with customers;
- High flexibility to meet each creditor’s specific needs.
We understand that effective collections must take the debtor’s journey into account and offer the most appropriate repayment options. Through a flexible structure, the company delivers a solution that combines intelligence and personalization to provide consortium members with a more practical and reasonable path out of delinquency.
Learn more about our consortium solutions and speak with one of our consultants today!
