{"id":3896,"date":"2023-08-25T17:59:15","date_gmt":"2023-08-26T00:59:15","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/financial-fitness-dont-settle-for-debt-settlement\/"},"modified":"2025-07-03T18:32:18","modified_gmt":"2025-07-04T01:32:18","slug":"aptitud-financiera-no-se-conforme-con-la-liquidacion-de-deudas","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-no-se-conforme-con-la-liquidacion-de-deudas\/","title":{"rendered":"Aptitud financiera: No se conforme con la liquidaci\u00f3n de deudas"},"content":{"rendered":"<p><p style=\"text-align: left;\">Si tiene obligaciones financieras abrumadoras, podr\u00eda verse tentado a recurrir a una empresa de liquidaci\u00f3n de deudas para obtener alivio. Una liquidaci\u00f3n de deudas se produce cuando un acreedor acepta menos del monto total adeudado. Las empresas que gestionan liquidaciones promocionan sus servicios como una alternativa rentable a lidiar con la deuda por su cuenta y como superiores a un plan de pago que podr\u00eda ofrecer una agencia de asesor\u00eda crediticia. Desafortunadamente, la mayor\u00eda de las veces, recurrir a este tipo de empresas solo conlleva a mayores problemas.<\/p>\n<p style=\"text-align: left;\"><strong>C\u00f3mo funcionan las empresas de liquidaci\u00f3n de deudas<\/strong><br \/>\nUna empresa de liquidaci\u00f3n de deudas le exige que deje de pagar a sus acreedores y que deposite una cantidad espec\u00edfica de dinero mensualmente en una cuenta de ahorros designada (a veces llamada cuenta fiduciaria). Una vez que haya acumulado cierta cantidad de efectivo, la empresa le ofrecer\u00e1 un pago \u00fanico a uno de sus acreedores. Una vez liquidada una cuenta, har\u00e1n lo mismo con la siguiente, y as\u00ed sucesivamente hasta que todas las cuentas est\u00e9n saldadas.<\/p>\n<p style=\"text-align: left;\"><strong>Lo que prometen<\/strong><br \/>\nLa mayor\u00eda de las empresas de liquidaci\u00f3n de deudas prometen b\u00e1sicamente las mismas cosas; entre sus promesas se encuentran:<\/p>\n<ul style=\"text-align: left;\">\n<li>Tienen relaciones privilegiadas y establecidas con los acreedores, por lo que pueden obtener un acuerdo mejor que el que usted puede obtener.<\/li>\n<li>Al inscribirte en su servicio, tus problemas financieros terminar\u00e1n en muy poco tiempo (normalmente de seis a ocho meses).<\/li>\n<li>Liquidar sus deudas no da\u00f1ar\u00e1 su informe crediticio e incluso puede mejorarlo.<\/li>\n<li>Si trabaja con ellos, sus acreedores no podr\u00e1n demandarlo por falta de pago.<\/li>\n<li>Si bien estas empresas pueden de hecho reducir su carga de deuda general, las otras afirmaciones son enga\u00f1osas o falsas.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong>Problemas con las empresas de liquidaci\u00f3n de deudas<\/strong><br \/>\nEn realidad, las empresas de liquidaci\u00f3n de deudas no cuentan con asociaciones de acreedores especiales, y los acuerdos que negocian no son mejores que los que usted podr\u00eda negociar. Otros problemas incluyen:<\/p>\n<ul style=\"text-align: left;\">\n<li><strong>Honorarios.<\/strong>\u00a0No todo el dinero que deposite en esta cuenta especial se destina al pago \u00fanico. Parte se destina a las comisiones de la empresa, que suelen representar entre el 15 % y el 20 % de la deuda.<\/li>\n<li><strong>Da\u00f1o en el informe de cr\u00e9dito.<\/strong>\u00a0Dado que la compa\u00f1\u00eda le aconseja dejar de realizar pagos, los emisores de cuentas corrientes reportar\u00e1n los pagos atrasados a las agencias de cr\u00e9dito. Cuantos m\u00e1s meses no pague, mayor ser\u00e1 el da\u00f1o crediticio, especialmente cuando el acreedor cancela la deuda y la env\u00eda a un cobrador externo. Incluso si la compa\u00f1\u00eda con la que trabaja liquida una cuenta, el impacto en su informe crediticio ser\u00e1 negativo. La anotaci\u00f3n ser\u00e1 &quot;liquidado por menos del saldo total&quot;, lo cual es menos deseable que &quot;pagado en su totalidad&quot;.<\/li>\n<li><strong>Actividad de recolecci\u00f3n.<\/strong>\u00a0Si de repente deja de pagar sus cuentas, prep\u00e1rese para recibir llamadas y cartas muy agresivas de sus acreedores exigi\u00e9ndoles el pago. Tratar con cobradores suele ser muy desagradable.<\/li>\n<li><strong>Una deuda mayor y m\u00e1s problem\u00e1tica.<\/strong>\u00a0Durante el tiempo que no pague, cualquier cuenta que acumule intereses y comisiones aumentar\u00e1. Cuanto m\u00e1s espere, m\u00e1s dinero necesitar\u00e1 para liquidar la cuenta. Adem\u00e1s, para entonces, cualquier cuenta que no est\u00e9 en una agencia de cobranza s\u00ed lo estar\u00e1, o el acreedor la transferir\u00e1 a su departamento legal.<\/li>\n<li><strong>Demandas judiciales.<\/strong>\u00a0Algunas compa\u00f1\u00edas de liquidaci\u00f3n de deudas afirman que pueden evitar acciones legales e incluso citan leyes que respaldan su afirmaci\u00f3n. Esto es falso. Si no paga su deuda seg\u00fan lo acordado, cualquier acreedor tiene derecho a demandarlo. De hecho, otro problema de usar una compa\u00f1\u00eda de liquidaci\u00f3n de deudas es que podr\u00eda desencadenar una demanda en lugar de evitarla. Esto se debe a que la compa\u00f1\u00eda se comunicar\u00e1 con sus acreedores y les informar\u00e1 que est\u00e1 utilizando sus servicios. Sus acreedores sabr\u00e1n que tiene al menos algo de efectivo por el cual pueden demandarlo. Sin duda, ser demandado por una deuda es algo que realmente desea evitar. La deuda ser\u00e1 mayor que antes porque se sumar\u00e1n los costos judiciales y de los abogados, y el acreedor podr\u00eda embargar su salario y reclamar fondos de sus cuentas.<\/li>\n<li><strong>Estafas.\u00a0<\/strong>Algunas empresas de liquidaci\u00f3n de deudas son puras estafas: se quedan con tu dinero y luego desaparecen. Esto te dejar\u00e1 con un historial crediticio muy da\u00f1ado, posibles demandas y mucho menos dinero del que ten\u00edas antes.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong>Alternativas<\/strong><br \/>\nNo tiene que pagar a una empresa para liquidar sus deudas. Si el acreedor est\u00e1 dispuesto a negociar, puede hacerlo usted mismo sin costo alguno. Adem\u00e1s, si tiene suficiente efectivo para depositarlo en una cuenta de liquidaci\u00f3n de deudas, podr\u00eda tener suficiente para realizar los pagos m\u00ednimos a sus acreedores. Desarrolle un plan de gastos para conocer y optimizar su flujo de caja. Al aumentar sus ingresos o reducir sus gastos, podr\u00eda pagar seg\u00fan lo acordado y mejorar significativamente su situaci\u00f3n financiera.<\/p>\n<figure id=\"attachment_4331\" aria-describedby=\"caption-attachment-4331\" style=\"width: 150px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4331 size-thumbnail\" src=\"https:\/\/www.pcfcu.org\/wp-content\/uploads\/Darrell-McVea-WEB-150x150.jpg\" alt=\"Darrell McVea, Educador Financiero Comunitario\" width=\"150\" height=\"150\" \/><figcaption id=\"caption-attachment-4331\" class=\"wp-caption-text\">Darrell McVea<br \/>Educador financiero comunitario<br \/>800.426.1601 x3184<br \/><a href=\"mailto:dmcvea@pcfcu.org\">dmcvea@pcfcu.org<\/a><br \/><a href=\"http:\/\/pcfcu.balancepro.org\" target=\"_blank\" rel=\"noopener\">pcfcu.balancepro.org<\/a><\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1 agobiado por obligaciones financieras abrumadoras, puede verse tentado a recurrir a una empresa de liquidaci\u00f3n de deudas para obtener alivio. \u2026 <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/aptitud-financiera-no-se-conforme-con-la-liquidacion-de-deudas\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"class_list":["post-3896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-fitness"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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