{"id":54840,"date":"2020-05-06T08:09:35","date_gmt":"2020-05-06T13:09:35","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=54840"},"modified":"2020-05-06T08:19:26","modified_gmt":"2020-05-06T13:19:26","slug":"pandemia-de-carteras-vencidas","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=54840","title":{"rendered":"Pandemia de Carteras Vencidas"},"content":{"rendered":"<p><strong>Teresa Carbajal<br \/>\n<\/strong><em>Debo no niego; pago lo justo<\/em><\/p>\n<p>La cartera vencida como se le conoce a los cr\u00e9ditos no pagados en el plazo y condiciones pactadas a su otorgamiento, adquirir\u00e1 dimensiones preocupantes en los pr\u00f3ximos meses por sobrados motivos, ello nos impone prepararnos en el conocimiento de nuestros derechos para protecci\u00f3n de nuestro patrimonio.<\/p>\n<p>El irracional otorgamiento de cr\u00e9dito sin el an\u00e1lisis objetivo de la capacidad de pago (endeudamiento) de los usuarios por parte del acreedor, ha echado por tierra de forma sistem\u00e1tica, los m\u00faltiples intentos por \u201ceducar financieramente\u201d a los potenciales clientes de las financieras que viven del cobro de intereses.<\/p>\n<p>\u00bfC\u00f3mo decirle a alguien que no pida prestado, si no tiene otra opci\u00f3n l\u00edcita para solventar sus necesidades? cualquiera en situaci\u00f3n de desesperaci\u00f3n har\u00e1 uso de \u00e9ste con la creencia de poder pagar a futuro, aceptando incluso condiciones imposibles de solventar, como mensualidades que superan sus ingresos, y ni hablemos de leer o entender los t\u00e9rminos legales de los contratos dise\u00f1ados espec\u00edficamente para proteger al capitalista.<\/p>\n<p>De otro modo como se explica el \u201cmal comportamiento\u201d crediticio de los clientes en una sociedad como la nuestra, que por tradici\u00f3n, buenas costumbres y honrar la palabra, somos conocidos a nivel mundial como los mejores pagadores.<\/p>\n<p>Ello aunado a las muchas \u2018artima\u00f1as\u2019 y campa\u00f1as de reestructuras o de \u201ccompra de deudas\u201d que ofrecen extender los plazos de pago bajo la aparente disminuci\u00f3n de tu mensualidad, lo que siempre aumenta la deuda, pues el secreto est\u00e1 en pagar m\u00e1s intereses.<\/p>\n<p>Pero, \u00bfqu\u00e9 debemos hacer si ya nos contamos dentro de la estad\u00edstica de cartera vencida? Tenemos que saber que en breve comenzar\u00e1 la cobranza extrajudicial; es decir, aquella ejercida por los despachos de cobranza o sus representantes sin que medie una autoridad o procedimiento legal.<\/p>\n<p>El temor en tiempos de pandemia, el miedo a lo desconocido, o la verg\u00fcenza de \u201cfallar\u201d debe reemplazarse por fortaleza, seguridad y resistencia basada en el conocimiento de nuestros derechos.<\/p>\n<p>En principio porque nadie tiene derecho a amenazar, ofender o intimidar a un deudor, a sus referencias o avales al ejercer la cobranza, porque ello da lugar a que una persona acepte un trato desventajoso para s\u00ed en beneficio de su acreedor, lo que es injusto.<\/p>\n<p>Por eso es muy importante no permitir que se ejerza violencia sobre nuestra persona, hacer valer siempre nuestra dignidad y denunciar cualquier abuso que se suscite, ello es la garant\u00eda de que el usuario tome una correcta decisi\u00f3n basada en un pago justo que no ponga en riesgo ni su subsistencia, ni su tranquilidad, ni sus bienes a futuro.<\/p>\n<p>Abst\u00e9ngase de firmar documentos sin la asesor\u00eda de un abogado o persona de confianza con acceso a informaci\u00f3n jur\u00eddica que pueda orientarle, explicarle y advertirle las consecuencias de estampar su firma.<\/p>\n<p>No entregue dinero sin un convenio y recibo firmado por personas legalmente autorizadas por la financiera o banco para suscribirlo.<\/p>\n<p>Insolvencia no es delincuencia, \u00a1no lo olvide!<\/p>\n<p>Llame 2281148502, Visite\u00a0 <a href=\"http:\/\/www.elbarzonrc.org\/\">www.elbarzonrc.org<\/a> Contacte <a href=\"mailto:elbarzonrc@yahoo.com.mx\">elbarzonrc@yahoo.com.mx<\/a>, O s\u00edgame en @terecarbajal<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teresa Carbajal Debo no niego; pago lo justo La cartera vencida como se le conoce a los cr\u00e9ditos no pagados en el plazo y condiciones pactadas a su otorgamiento, adquirir\u00e1 dimensiones preocupantes en los pr\u00f3ximos meses por sobrados motivos, ello nos impone prepararnos en el conocimiento de nuestros derechos para protecci\u00f3n de nuestro patrimonio. El [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[8139,17705,17704,15570],"class_list":{"0":"post-54840","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-opinion","7":"tag-cartera-vencida","8":"tag-cobranza-extrajudicial","9":"tag-compra-de-deudas","10":"tag-teresa-carbajal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pandemia de Carteras Vencidas - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=54840\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pandemia de Carteras Vencidas - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Teresa Carbajal Debo no niego; pago lo justo La cartera vencida como se le conoce a los cr\u00e9ditos no pagados en el plazo y condiciones pactadas a su otorgamiento, adquirir\u00e1 dimensiones preocupantes en los pr\u00f3ximos meses por sobrados motivos, ello nos impone prepararnos en el conocimiento de nuestros derechos para protecci\u00f3n de nuestro patrimonio. 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