He Congress of the Republic He approved by insistence the bill that establishes a period of seven days for banks to eliminate users of risk power plants, such as Infocorp, once they have resulted in their debts. This measure was promoted due to the difficulties that many people face by having their name registered in these lists, which affects their credit history and limits their access to credits, increasing their economic and emotional situation.
The modification of Law 28587, together with other changes in the Consumer Protection and Defense Code (Law 29571), aims to give a quick and effective solution to those who manage to regularize their debts, allowing them to leave black lists without long delays. Thus, it is expected to improve the conditions of consumers in the financial system.
Congressman José Luna, one of the main promoters of the initiative, highlighted the urgent need to face the problems caused by the inclusion of citizens in the negative records of risk centrals. According to Luna, this situation generates a considerable impact on people’s lives, making it difficult not only access to creditbut also worsening mental health problems derived from financial insecurity.
For his part, Manuel García Correa, president of the Consumer Defense Commissionstressed that ley It will represent a long -term solution for millions of consumers. “This initiative will solve the problem of millions of consumers who, due to the lack of updating information in risk plants, are harmed both economically and morally,” said García Correa.
The approved opinion establishes that, once a debtor has regularized his payment and is up to date with his obligations, the financial entity has a period of seven business days to issue a record of regularization. In addition, it is ensured that this information will be recorded immediately in the Superintendence of Banking, Insurance and Private Pension Funds (SBS), and reflected in the following report of the Risk Center.
With this modification, it is sought that people can clean their credit history quickly, favoring their financial inclusion and preventing them from debts passes continue to affect their economic future.
According to him Peruvian Civil Codebank debts have a 10 -year prescription period. This implies that, once a decade has elapsed since the debtor failed to comply with his financial obligation, the creditor loses his right to claim payment through legal actions. For the debtor, this period acts as a “expiration date”, which means that after this time, the debt is legally extinguished.
If the creditor has not taken judicial measures within that period, the debtor may ask that the debt be considered prescribed before a court. If the court accepts the application, the debt will be officially annulled, releasing the debtor from the responsibility of paying it. However, this legal extinction does not imply that the debt disappears completely. Although the debtor It is no longer obliged to pay it, the registration of the debt will remain in its credit history, which could generate problems when requesting future credits.
Although the prescription of a debt provides relief to the debtor by eliminating the payment obligation, it is important to note that its credit history is not immediately cleaned. According to experts, the debt will continue to appear in the risk plants, such as Infocopduring a certain period. Therefore, although the debt can no longer be legally required, the debtor could face difficulties when trying to access new financial products, such as personal loans or a mortgage.
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