{"id":5667,"date":"2021-09-04T21:52:48","date_gmt":"2021-09-04T19:52:48","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5667"},"modified":"2025-11-16T12:13:26","modified_gmt":"2025-11-16T10:13:26","slug":"que-pasa-si-no-se-paga-un-proceso-de-ejecucion","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/es\/solvabilite\/ne-pas-payer-une-poursuite-que-se-passe-t-il\/","title":{"rendered":"No pagar una ejecuci\u00f3n: \u00bfqu\u00e9 ocurre?"},"content":{"rendered":"

El procedimiento se inicia contra usted cuando recibe un requerimiento de pago de la oficina de cobro de deudas. Se le enviar\u00e1 sin necesidad de que la oficina de cobro de deudas justifique o siquiera verifique la existencia o veracidad de la deuda que tiene. La Oficina de Ejecuci\u00f3n de la Deuda<\/a> lo har\u00e1 por usted, porque habr\u00e1 recibido una solicitud de procedimiento de su acreedor.<\/p>\n\n\n\n

Es el acto que inicia una acci\u00f3n legal contra usted. Se produce cuando usted no ha pagado la factura que debe al acreedor. Dispone entonces de un plazo de 20 d\u00edas a partir de la fecha de notificaci\u00f3n para pagar la deuda. Se plantea entonces la cuesti\u00f3n de qu\u00e9 ocurre si no lo hace. A continuaci\u00f3n encontrar\u00e1 las respuestas.<\/p>\n\n\n\n

Impago por parte del deudor<\/h2>\n\n\n\n

Si usted, el deudor, no paga el importe de la deuda en el plazo establecido, el acreedor que haya iniciado el procedimiento solicitar\u00e1 que contin\u00fae la reclamaci\u00f3n. En caso contrario, el acreedor que haya iniciado el procedimiento solicitar\u00e1 que contin\u00fae la deuda. Para ello existen dos v\u00edas: el embargo o la quiebra, si se trata de un deudor inscrito en el registro mercantil.<\/p>\n\n\n\n

Tambi\u00e9n es posible que, como deudor, no s\u00f3lo haya evitado el pago de su deuda, sino que tambi\u00e9n haya presentado una objeci\u00f3n al procedimiento de cobro de la deuda. Dispone de 10 d\u00edas para hacerlo. Esto es, desde el momento en que se le notifica el requerimiento de pago para presentar una objeci\u00f3n.<\/p>\n\n\n\n

Como resultado, la demanda se suspender\u00e1 temporalmente. Sin embargo, una oposici\u00f3n infundada le har\u00e1 incurrir en gastos adicionales.<\/p>\n\n\n\n

En t\u00e9rminos formales, una objeci\u00f3n se hace cuando el funcionario notificador notifica la citaci\u00f3n. A continuaci\u00f3n, indicar\u00e1 su decisi\u00f3n en el propio documento o por correo a su oficina de ejecuci\u00f3n de deudas.<\/p>\n\n\n\n

Las objeciones al cobro de deudas no tienen por qu\u00e9 estar justificadas, salvo en el caso de un litigio que s\u00f3lo afecte a una fracci\u00f3n de su deuda. O si su patrimonio no ha mejorado tras la quiebra.<\/p>\n\n\n\n

Embargo y quiebra por impago del cr\u00e9dito<\/h2>\n\n\n\n

Salvo en caso de oposici\u00f3n, su acreedor pedir\u00e1 a la oficina de cobros que contin\u00fae el procedimiento en cuanto hayan transcurrido los 20 d\u00edas.<\/p>\n\n\n\n

Si est\u00e1 inscrito en el registro mercantil, se le expedir\u00e1 un aviso de quiebra. En caso de impago de la deuda, la continuaci\u00f3n se materializar\u00e1 mediante la recepci\u00f3n de una notificaci\u00f3n de embargo. \u00c9sta ser\u00e1 enviada por la Oficina de Cobro de Deudas. En este documento se especificar\u00e1 la fecha y hora en que se llevar\u00e1 a cabo el embargo.<\/p>\n\n\n\n

Deber\u00e1 estar presente en ese momento si no desea ser representado. Deber\u00e1 indicar qu\u00e9 bienes le pertenecen, incluso los que se encuentren en otro lugar o en manos de otras personas.<\/p>\n\n\n\n

A\u00fan puede pagar su deuda antes de que se haga efectivo el embargo. Deber\u00e1 notificarlo a la oficina de cobros para evitar los costes de ejecuci\u00f3n del embargo.<\/p>\n\n\n\n

Por \u00faltimo, hay que tener en cuenta que aunque su deuda se pague, permanecer\u00e1 en el registro de la Oficina de Recaudaci\u00f3n de Deudas durante otros 5 a\u00f1os. Siempre puede solicitar un extracto de este registro a su cant\u00f3n.<\/p>\n\n\n\n

Por eso es conveniente que profesionales competentes analicen y limpien su registro. De este modo, no se ver\u00e1 frenado en sus gestiones cotidianas.<\/p>\n\n\n\n

Si desea beneficiarse de una oferta de financiaci\u00f3n con las mejores condiciones en Suiza, puede enviar su solicitud a Lica<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Une poursuite est entam\u00e9e \u00e0 votre encontre lorsque vous recevez de la part de l\u2019Office des poursuites un commandement de payer. Il vous sera transmis sans besoin pour l’office de justifier ni m\u00eame de v\u00e9rifier l\u2019existence ou la v\u00e9racit\u00e9 de la cr\u00e9ance dont vous \u00eates d\u00e9biteur. L\u2019Office des poursuites proc\u00e8de ainsi \u00e0 votre \u00e9gard, car […]<\/p>\n","protected":false},"author":8,"featured_media":27948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-5667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solvabilite"],"_yoast_wpseo_focuskw":"Pas payer une poursuite","_yoast_wpseo_title":"Ne pas payer une poursuite ! Que se passe-t-il ?","_yoast_wpseo_metadesc":"Ne pas payer une poursuite peut conduire \u00e0 de s\u00e9rieux probl\u00e8me. 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