Newsletter October 2025 - How Electronic Signatures and Certified Communications Optimize Debt Management

In a sector where speed, traceability, and legal certainty make the difference, the adoption of electronic signatures and certified electronic communications provides operational and evidentiary advantages that reduce costs, accelerate collections, and improve legal defense in potential litigation.

Electronic Signature: Streamlining Payment Agreements and Commitments

With the XolidoSign ProfessionalElectronic Signature, formalizing payment agreements, debt acknowledgments, or installment plans translates into benefits such as:

• Agility and Time Reduction: Agreements can be sent and signed on the same day, accelerating the initiation of payments.
• Cost Savings: Printing, courier, and physical document storage costs are eliminated.
• Improved Conversion Rate: The immediacy and ease of the online signature process increase the likelihood that the debtor will complete the agreement.
• Legal Security: The qualified electronic signature, in accordance with the European eIDAS Regulation, offers full legal guarantees regarding the identity of the signatory and the integrity of the document.

Certified Electronic Communications

With XolidoSign Professional one of the biggest challenges for debt collection agencies is being able to reliablyprove that they have sent the debtor the relevant communications, such as the payment request prior to inclusion in default files or notification of the assignment of the credit.

Certified electronic communications, such as certified email and certified SMS, offer a digital alternative to traditional faxes with the same or even greater evidentiary validity. These services certify:

• The content of the communication.
• The date and time it was sent and delivered.
• The sender and recipient.
• The IP address from which it was opened or received.

Investment in technologies such as Electronic Signatures and Certified Electronic Communications translates into tangible process optimization, cost reduction, and strengthened legal certainty, all of which are crucial elements for successful debt management.

Discover how XolidoSign helps you optimize debt management in an effective and secure way.