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SolvX Institutional

Portfolio-scale debt resolution, with the debtor at the table.

SolvX is the channel through which your debtors reach settlement — fast, fully documented, and at no cost to you unless the case closes.

Request a PilotSee how it works
  • Settlement limits set by you
  • Debtor payments go directly to you
  • Lawyer sign-off where applicable
Portfolio overviewPortfolio A · unsecured consumer
Illustrative data
Accounts1,000
Contacted426
Settlements87
Avg. time to signature8.4 days
Settlement distribution by write-off band
0–20%41
20–40%33
40–60%13
Illustrative data — not actual SolvX results.
The problem

At the bottom of every portfolio sit thousands of accounts that are not worth working.

01

Small balances

The balance does not justify individual handling.

02

Unresponsive debtors

Calls go unanswered. Letters are ignored.

03

High cost of contact

Each attempt costs more per euro recovered.

04

Low recovery efficiency

Effort and complaints rise; recoveries do not.

The problem is not always that the debtor refuses to settle. The problem is that the debtor does not trust the party calling.
The solution

SolvX approaches the debtor as their own side.

Debtors upload their documents, see clearly what they owe, and receive a settlement proposal within the framework you approved. They can accept online or request review by a lawyer.

Traditional contact

  1. Call
  2. No answer
  3. Letter
  4. No response

With SolvX

  1. Debtor enters
  2. Uploads documents
  3. Sees what they owe
  4. Receives a proposal
  5. Accepts online
  6. Lawyer review / sign-off
Settlement framework

You set the limits.
We deliver the settlement.

For each portfolio your team defines the acceptable ranges. Every proposal a debtor sees is generated inside them.

What your institution controls

  • Write-off range
  • Instalments and maximum term
  • Down payment
  • Response time
  • Other approved settlement parameters
Approved settlement frameworkPortfolio A
Example values
Write-off10% — 35%
Down paymentmin. 10%
Maximum term36 months
Response time14 days
Framework approved
How it works

Four stages, one documented workflow

  1. 01

    Configuration

    Your institution

    Defines acceptable ranges for each portfolio: write-off, instalments, down payment, response time.

    SolvX

    Sets the approved framework up in the settlement workflow.

    Recorded

    The approved framework.

  2. 02

    Contact

    Your institution

    May refer debtors through its own channel.

    SolvX

    Opens access through SolvX channels, accountants, online search and other approved channels.

    The debtor

    Enters the platform and uploads documents.

    Recorded

    Consent and communication history.

  3. 03

    Proposal & acceptance

    SolvX

    Generates a proposal inside the approved framework. Lawyer review where requested or applicable.

    The debtor

    Accepts, adjusts within the allowed limits, or requests legal review.

    Recorded

    Proposal, adjustments and acceptance.

  4. 04

    Documentation & reporting

    Your institution

    Receives a complete file per case and portfolio-level reporting.

    SolvX

    Delivers settlement documentation, with lawyer sign-off where applicable.

    The debtor

    Pays the institution directly under the agreed terms.

    Recorded

    Case file, consent and communication history, reporting.

Portfolio visibility

What your team sees

Portfolio-level reporting, with the full history behind every case.

Portfolio overviewPortfolio A · unsecured consumer
Illustrative data
Contact rate42.6%of accounts in portfolio
Settlement rate8.7%of accounts in portfolio
Avg. time to signature8.4 daysfirst contact → signature
Settlements by write-off band
0–20%41
20–40%33
40–60%13
Settlements by term
≤ 12 mo29
13–24 mo35
25–36 mo23
Consent & communication history
  • Proposal accepted onlineAccount A-1043 · 36 months
  • Legal review requestedAccount A-0871
  • Consent recordedAccount A-1043
  • Settlement signed · lawyer sign-offAccount A-0652
Illustrative data — not actual SolvX results. Exports compatible with your workflow.
Documentation

Every settlement produces a complete case file

Delivered per case, alongside portfolio reporting.

SolvX is

  • A settlement platform
  • A legal-documentation platform
  • Settlement workflow infrastructure for portfolios

SolvX is not

  • A credit servicer
  • A debt collector
  • A holder of debtor funds

Debtor payments go directly to the institution.

Case file · A-1043
Illustrative data
  • ✓Proposal
  • ✓Consent
  • ✓Communication history
  • ✓Settlement terms
  • ✓Legal review
  • ✓Signature
  • ✓Completion
Legal oversight

Named attorneys behind every settlement workflow

Settlement documentation includes lawyer review and sign-off where applicable, and debtors can request review by a lawyer. Legal work is carried out by attorneys of the Athens Bar Association.

Themis (Efthymios) Lazos

Founder & Managing Partner · Attorney-at-Law, Athens Bar Association

Verify at dsa.gr ↗
Maria Psyllaki

Head of Legal Implementation · Attorney-at-Law, Athens Bar Association, Reg. No. 40136

Verify at dsa.gr ↗

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The pilot

Start with a pilot

A defined, low-commitment way to see the workflow on your own accounts.

500–1,000accounts
90days
Noretainer
Feesonly per completed settlement
Resultsreport at the end
No obligationto continue

Request a pilot

Tell us about your portfolio. Your request goes to the SolvX Institutional team.

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→ institutional@solvxcapital.net

Questions institutions ask

Is SolvX a credit servicer?
No. SolvX is a settlement and legal-documentation platform. It is not a credit servicer or a debt collector, and it does not hold debtor funds.
Where do debtor payments go?
Directly to the institution.
Who defines the settlement limits?
You do. For each portfolio your institution defines the acceptable ranges — write-off, instalments, down payment and response time — and proposals are generated inside them.
How does the pilot work?
500–1,000 accounts over 90 days, with no retainer. Fees are charged only per completed settlement, you receive a results report at the end, and there is no obligation to continue.
What documentation do we receive?
A complete file per case — settlement documentation, lawyer sign-off where applicable, consent and communication history — plus portfolio reporting and exports compatible with your workflow.
Anything not covered here?
For commercial proposals, integration, NDAs or procurement documentation, write to institutional@solvxcapital.net.

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