This study aims to provide a picture of the various negotiation techniques that intermediaries access for the management (assignment-securitization-recovery-restructuring) of loans, while being aware of the difficulty of reconstructing the variety of events, albeit for contractual types. which materialize in articulated negotiation links, arising from practice. These are techniques that proliferate and diversify on the basis of the concrete dynamics of default and / or non-performing situations, supported and encouraged by legislative interventions that ease the imperative constraints of the financial system, opening up new areas of operation to private autonomy. The description of the said negotiation techniques will be preceded by a necessary premise of the evolution of the historical and regulatory framework within which the current scenario has materialized.