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Company Profile

Company Profile

Respectful, compliant receivables recovery in the Philippines.

What we doReceivables recovery
Founded2026
Our approachRespectful, compliant recovery
Head officeUnit 401, Verde Oro East Plaza, Manila East Rd., San Juan, Taytay, Rizal

Who we are

Atlas Financials helps businesses in the Philippines recover unpaid accounts without burning bridges.

Late payments squeeze cash flow. Aggressive collectors make it worse. Atlas works in the space in between: steady, persistent and always humane. We listen first, explain clearly and offer payment options people can actually keep.

[Founders' story: who started Atlas, when, and why]

Atlas is led by Chari Zagala, President, and builds compliance, documentation and careful legal escalation into every file.

Atlas team meeting

“Firm about the money. Kind to the people.”

Mission

Firm, fair and respectful.

To recover what our clients are owed through conversations that are firm, fair and respectful.

Vision. To be the collections partner Philippine businesses trust, and the one account holders are glad to talk to.

Our promise
  • Respect first. No threats, no shaming, no harassment. Ever.
  • Clear options. Payment plans people can actually keep.
  • Private and secure. Data privacy safeguards on every file.
  • Fully accountable. Recorded, auditable conversations.
  • Always informed. Regular updates on every account.

What we do

  • Commercial collections. B2B invoices and trade receivables.
  • Consumer collections. Loans, credit cards and financing portfolios.
  • Skip tracing. Finding hard-to-reach account holders.
  • Legal escalation. Demand letters and counsel coordination.
  • Receivables management. Reminders, monitoring and aging control.
  • Advisory. Credit and collection policies that prevent bad debt.

For banks, lenders, financing companies and businesses with unpaid invoices.

Small business owner at her stall in Manila

How we work

  1. Say hello. Start in our AI chat. Our assistant gathers the basics.
  2. We review. Your account lead verifies the accounts and plans the approach.
  3. We talk. Courteous, persistent outreach across channels.
  4. You're updated. Resolutions and remittances, reported regularly.

Engagement options

Contingency

No recovery, no fee

A share of what we recover. Low upfront risk.

[Contingency rate]

Per seat

Your own team

Dedicated collectors for steady, high-volume portfolios.

[Per-seat rate]

Per project

One-time clean-up

Fixed scope and fee for aged or backlog accounts.

[Project fee]

Compliance and leadership

We follow Philippine laws on fair debt collection and the Data Privacy Act of 2012. No threats, no shaming, no contacting third parties to embarrass anyone. Data is used only for endorsed accounts, and every conversation is recorded and auditable.

Chari Zagala, President of Atlas Financials

Chari Zagala

President

LinkedIn ↗

Chari brings almost twenty years of banking experience to Atlas Financials. She spent more than a decade at the Bank of the Philippine Islands, working her way up from teller to new accounts and then senior service associate before completing BPI's fast-track Officer Training Program and becoming Assistant Business Manager. Across BPI's Espana-UST, Gateway Mall, Ali Mall, Farmers Plaza Mall, Kamias-Edsa and Kalayaan branches, she oversaw daily operations, balanced the books and kept each branch compliant with bank policy and regulations. She later served as Branch Cashier at Chinabank Maginhawa from 2016 to 2022.

She is trained in anti-money laundering, risk management and relationship management, and she holds a BS in Commerce, major in Business Administration, from the University of Santo Tomas. At Atlas, she makes sure every account is handled accurately, in compliance and with respect.

SEC Reg. No. 2026050250769-00 · BIR TIN 809-912-695-000 · Business Permit No. 2026-09451

Received a notice?

Take a breath. You can talk to us privately and ask anything without pressure. Only trust contact details on our official website, atlasfinancials.ph. See your options →

Have unpaid accounts?

Let's recover what you're owed, the respectful way.

Unit 401, Verde Oro East Plaza, Manila East Rd., San Juan, Taytay, Rizal · (02) 8807 4877 · atlasfinancials2026@gmail.com

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