When will debts expire in Peru? Pay attention to this note

Find out how many years must pass before a debt becomes statute-barred.

The theme of the prescription of the bank debts in it Peru gives rise to lengthy analysis. As is well known, the driving of the money what we perceive monthly is for he job which is usually done. At the same time, this can become complex due to various factors, which can generate instability in it home.

After several years as delinquent, people with bank debts registered in the Risk Center of the Superintendency of Banking, Insurance and AFP (SBS), They often ask themselves questions related to their prescription and the amount of months o years What must happen for it to stop? to figure as enforceable before the ley.

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According to what regulated for him Civil Code, We tell you which are the established deadlines, and then after how long They can’t take you anymore claim payments owed o seize property.

Los financial products acquired represent a relief At some point in our lives. However, one maladministration of the money perceived o breach by health situation experienced can generate delays, arrears and in the end the credit rating further baja According to reports sent to the SBS from related companies.

In this sense, and with the passage of time, the required companies tend to sell wallets of debts a legal orders. He bad payer Start to receive calls o messages that finally end prescribing, that is to say, lacking of judicial requirement.

In this regard, the Article 2001 of the Civil Code Peruvian, which came into force on November 14, 1984, refers that the deadlines of indebtedness in general They cease to be enforceable after the 10 years to start to to figure as delinquent in it calculation of the SBS.

Punctually, the made As such it prescribes, not will be able to start a Judicial process to force you to pay the whole of the debt. In addition, you will not be able to seize your property.

However, he believes that the credit rating registered by the SBS does not disappear from total way in Risk Center, and therefore, it can still be viewed by concerned parties. This is going to be the absolute liquidation, which would be the only legal way y regular for achieve a positive regard.

How to check SBS debt report?

He state of yours debts y lines of credit hired They can confirm if you owe someone banking entity or you keep a normal rating within the standards governed by SBS. It is body is he in charge of the regulation y supervision of the Peruvian financial system that offers Online services. At the same time, it has the purpose of to benefit to the citizenship with the access a debt reports, alerts, among others.

Finally, today, said institution puts to provision of the persona interested in to view y to check are credit situation. All this gives you a balance general about possible indebtedness that you may or may not have.