Credit recovery has moved from a residual practice to a strategic discipline — particularly in an environment of high interest rates, rising corporate defaults and frequent restructurings. FIUS works both sides — creditor and debtor — with deep command of instruments that go well beyond ordinary enforcement.
For creditors, we map distressed credit portfolios, prioritize recovery strategies by instrument and collateral type — guarantee, chattel mortgage, fiduciary assignment, warrants — and run enforcement proceedings with surgical aggression where the asset justifies it. In debtor-side judicial reorganizations, we serve on creditors' committees, scrutinize proposed plans and defend the rights of creditors who refuse to be diluted by a majority.
For distressed debtors looking to avoid insolvency, we build out-of-court workout strategies with institutional creditors, structure real and personal guarantees to unlock new credit lines, and design maturity-extension arrangements that protect the business without surrendering control of the equity.