Customer Service

By calling 279-3269 you will have access to the following services:

  •   Balance information.
  •   Detail of transactions.
  •   Application for account statement.
  •   Information and quotation of our services.
  •   Personal assistance. 

Additional you can also make your inquiries to the following email addresses:

This email address is being protected from spambots. You need JavaScript enabled to view it. 

This email address is being protected from spambots. You need JavaScript enabled to view it.

Office of Customer Service (by appointment)

  • Personalized Customer Service where you can count on:
  •  Receipt / delivery of documents, receipts, invoices, appraisals, legal documents, etc.
  •  Receipt / Delivery of account statements.
  •  General inquiries.

Incidental Account / Escrow Agent Services (escrow account financial agent) 


Through this service it will allow us to act as an escrow agent, in order to keep in bank deposit monies or documents subject to a contract, which will be delivered once the conditions agreed by the parties are met. Benefits for the creditor beneficiary: possession by a reliable third party with license(s) to guard and manage the assets or money subject of the transaction, security and discretion in the handling of the documents or funds, guarantees the delivery of the documents or funds a once the conditions of the contract have been fulfilled, it speeds up the closing of purchase transactions from a technical-legal-financial point of view.  

Escrow is a legal concept describing a financial instrument whereby an asset is held by a third party on behalf of two other parties that are in the process of completing a transaction. The escrow agent holds the funds or assets until it receives appropriate instructions or until predetermined contractual obligations in the promissory purchase and sales contract are fulfilled. Money, funds, documents, shares and other assets can all be held in escrow.

Escrow accounts in this context apply mainly to corporate and/or real estate transactions. Placing the funds in escrow allows the buyer to perform due diligence on a potential acquisition. Escrow accounts also assure the seller that the buyer can close on the purchase. For example, an escrow account can be used for the sale of a property. If there are conditions attached to the sale, such as the passing of an inspection or bank approval for a loan, the buyer and seller may agree to use escrow services. In this case, the buyer of the property deposits a partial payment amount for the property in an escrow account held by a third party. The buyer can proceed with property inspections confident that the funds are there, and the seller will have certainty that the buyer is capable of making the final payment. The net amount in escrow, if any, after all costs and expenses, is then transferred to the seller once all the conditions for the sale are satisfied, usually the final payment is guaranteed by an irrevocable promissory letter of credit issued by local banks.

Buying a corporation or a property can be a complicated process, one that most people are generally unprepared for and don't really understand, and there is no problem with that. There are a lot of different nuances to buying and selling an asset from the offer, to the asset inspection and due diligence, getting that loan approval, plus all the legal documents and processes involved, including but not limited to, private documents, notary documents and public registry, amongst others. 


Your escrow agent will oversee this entire escrow process, so don't be too concerned if you don't understand every detail. However, in any transaction where you're putting so much on the line financially, it's a good idea to have at least a basic idea of what's going on and that is why we provide this customer service division to explain the entire process and provide continued support and services from day one until the day of closing. 

Registered Customer

To be an official client of Panama Finance Law & Co. one must at least be able to prove a document and/or contract between you and the company, where they both sign reflecting the specific service contracted and provided.

Attention to Claims: Legal Manager, Milagros Perez
Licensed Lawyer No. 9,648 
Partner of Panama Finance Law & Co. 
Legal executive specializing in all types of labor and commercial contracts, immigration matters, commercial-corporate law, estate and tax planning with special attention to local and regional investors. She served as Director of Human Resources and Legal Advisor of the Eulen Panamá Economic Group, which includes the companies Eulen Panamá de Servicios S.A. and Eulen Panamá de Seguridad S.A. Previously she worked as Commercial Legal Advisor of the economic group Blasser Trade Company S.A. and focused mainly on the legal aspects of Blasser, Casa de Guayabera S.A. in its expansion through Central America, Mexico and Venezuela, managing the comparative law between public limited companies and labor law (Nicaragua, El Salvador, Honduras, Mexico and Venezuela), she also managed brand registrations and operations registration procedures in the Ministry of Commerce and Industries and before the Ministry of Economy and Finance. Additionally, she provides legal advisory services to the Insted Panama Group, HR Vital, among others. She is also an independent director on several boards of private investment companies of real estate assets. She obtained her Degree in Law and Political Science at the University of Panama and completed postgraduate studies and Master's in Labor Law at the Santa María la Antigua Catholic University. She has a certificate in English issued by St. Clair College, in Widnsor, Ontario, Canada. She is a member of the National Union of Women Lawyers and the National Bar Association of Panama.


Arturo Enrique Miranda Castillo, Licensed Lawyer No. 13755 issued by the General Business Chamber of the Supreme Court of Justice of Panama, has a natural person registration No. 0314 as AUTHORIZED LOCAL CUSTODIAN… according to Agreement No. 1048 of November 24, 2015 issued by the General Business Chamber of the Supreme Court of Justice of Panama, Judicial Branch of the Republic of Panama, in accordance with Law 47 of August 6, 2013, modified by Law 18 of 23 of April 2015.

Arturo Enrique Miranda Castillo, has in his personal capacity an Investment Banking resolution No. 574245845 issued by the General Directorate of Domestic Trade of the Ministry of Commerce and Industry of the Republic of Panama. It includes other activities auxiliary to financial services, investment advisor (real estate) and commission agent services. His services do not include the offering of public securities and/or advice on listed securities and/or brokerage or sale of securities, instruments and/or quoted financial contracts or other similar ones.

Panama Finance Law & Co., Civil Partnership of Lawyers with File No. 26739, registered in the General Business Chamber of the Supreme Court of Justice of Panama, has a legal person registration No. 0315 as AUTHORIZED LOCAL CUSTODIAN… according to Agreement No. 1048 of November 24, 2015 issued by the General Business Chamber of the Supreme Court of Justice of Panama, Judicial Branch of the Republic of Panama, in accordance with Law 47 of August 6, 2013, modified by Law 18 of 23 of April 2015.

Panama Finance Law & Co. includes 7% of ITBMS (Transfer Tax on Movable Property and Services) on all fees for services rendered, as established by Law 8 of March 15, 2010 and Law 61 of December 26, 2002.

Panama Finance Law & Co. is a Civil Partnership of Lawyers which is registered, regulated and supervised by Intendence of Supervision and Regulation of NFSs, ascribed to the Ministry of Economy and Finance.

The assets or transactions are obtained through external suppliers or third-party natural and/or legal persons. This website is owned by Panama Finance Law & Co. and is for informational and illustrative use only and for advertising purposes. Panama Finance Law & Co. is not responsible or guarantees the results obtained through the use of this page by its Users and any electronic communication derived from it.

Any of the assets or transactions are from external suppliers or from third-party natural and/or legal persons and should not be interpreted as legal, investment or tax advice, nor as a recommendation or advice to buy, sell or hold any particular asset or transaction and consequently neither Panama Finance Law & Co. nor its subsidiaries, affiliates, associated or related entities, nor their respective partners, lawyers, administrators, agents or employees guarantee or assure satisfactory results and, consequently, the activities that are made by the Users are for their own account and at their own risk. The Users accept and acknowledge that they have knowledge of the information and risks of the transaction they are carrying out, for which reason they expressly exonerate Panama Finance Law & Co. from any losses incurred in said transaction. Additionally, Panama Finance Law & Co. declares that such transactions are carried out under the principles of impartiality, good faith, transparency, on the basis that the User assumes the risk and putting the interests of the User before those of Panama Finance Law & Co.