{"id":5287,"date":"2020-12-04T12:54:55","date_gmt":"2020-12-04T15:54:55","guid":{"rendered":"https:\/\/odecu.cl\/v2\/odecu-plantea-medidas-para-regular-normas-de-cobranzas-extrajudiciales\/"},"modified":"2020-12-04T12:54:55","modified_gmt":"2020-12-04T15:54:55","slug":"odecu-plantea-medidas-para-regular-normas-de-cobranzas-extrajudiciales","status":"publish","type":"post","link":"https:\/\/odecu.cl\/ticketera\/odecu-plantea-medidas-para-regular-normas-de-cobranzas-extrajudiciales\/","title":{"rendered":"ODECU plantea medidas para regular normas de cobranzas extrajudiciales"},"content":{"rendered":"<p><strong>La posici\u00f3n de ODECU busca aclarar la aplicaci\u00f3n general de todas las normas de cobranzas extrajudiciales, a todas las operaciones de consumo, y no solo a aquellas en que se concede cr\u00e9dito directo al consumidor.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>La Organizaci\u00f3n de Consumidores y Usuarios de Chile, ODECU, particip\u00f3 en la Comisi\u00f3n de Econom\u00eda de la C\u00e1mara de Diputados y expres\u00f3 su posici\u00f3n respecto a las normas actuales que regulan las cobranzas extrajudiciales<\/p>\n<p>Entre las diversas medidas que propone ODECU, se encuentra que debe aclararse la aplicaci\u00f3n general de todas las normas de cobranzas extrajudiciales, a todas las operaciones de consumo, y no solo a aquellas en que se concede cr\u00e9dito directo al consumidor. \u201cDe acuerdo con estad\u00edsticas del SERNAC, 1 de cada 3 reclamos en la materia, corresponde a otros mercados distintos del mercado financiero\u201d, expresa el documento entregado por ODECU.<\/p>\n<p>Asimismo, a juicio de ODECU, debe establecerse un desincentivo adicional a la multa, en caso de gestiones de cobranza ilegales, por ejemplo, \u201cprivar del cobro de los gastos de la cobranza extrajudicial incluidos los honorarios que correspondan, y rebajar la tasa de inter\u00e9s moratorio\u201d.<\/p>\n<p>En esta misma l\u00ednea, ODECU propone que se asegura el cobro justo de gastos de cobranza extrajudicial, esto es, por gastos efectivos, de gestiones de cobranza extrajudicial leg\u00edtimas, \u00fatiles, efectivamente realizadas dentro del per\u00edodo establecidos en la ley y por valores informados previamente al momento de contratar, y dentro de los l\u00edmites m\u00e1ximos establecidos en la ley.<\/p>\n<p>Finalmente, entre otras propuestas, ODECU plantea necesario impedir el cobro de deudas irreales, no exigible, por montos incorrectos o a personas incorrectas.<\/p>\n<p>\u201cDe acuerdo con estad\u00edsticas del SERNAC, el 58% de los reclamos es por estos motivos. En el 30% de los reclamos el consumidor no reconoce la deuda cobrada; y en el 28% de los reclamos, los consumidores indican que se cobra la deuda de un tercero no conocido\u201d.<\/p>\n<p>Para conocer la minuta con las observaciones ODECU, <strong><a href=\\\"https:\/\/odecu.cl\/ticketera\/v2\/wp-content\/uploads\/2025\/10\/WhatsApp-Image-2025-10-02-at-20.21.26.jpegwp-content\/uploads\/2020\/02\/Minuta-ODECU-Posicion-Cobranzas-Extrajudiciales.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ingrese aqu\u00ed<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La posici\u00f3n de ODECU busca aclarar la aplicaci\u00f3n general de todas las normas de cobranzas extrajudiciales, a todas las operaciones de consumo, y no solo a aquellas en que se concede cr\u00e9dito directo al consumidor.<\/p>\n","protected":false},"author":6,"featured_media":5288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[36,10],"tags":[],"class_list":["post-5287","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacados","category-noticias-odecu"],"_links":{"self":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/5287","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/comments?post=5287"}],"version-history":[{"count":0,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/5287\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media\/5288"}],"wp:attachment":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media?parent=5287"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/categories?post=5287"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/tags?post=5287"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}