{"id":386,"date":"2021-06-08T09:39:28","date_gmt":"2021-06-08T09:39:28","guid":{"rendered":"https:\/\/deudafix.es\/blog\/?p=386"},"modified":"2021-11-18T20:14:22","modified_gmt":"2021-11-18T20:14:22","slug":"como-funciona-la-gestion-de-deuda","status":"publish","type":"post","link":"https:\/\/www.deudafix.es\/blog\/como-funciona-la-gestion-de-deuda\/","title":{"rendered":"\u00bfQu\u00e9 es la reestructuraci\u00f3n de deudas?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"386\" class=\"elementor elementor-386\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6cd4dd5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cd4dd5a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b5ebacd\" data-id=\"3b5ebacd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-793e7fc7 elementor-widget elementor-widget-text-editor\" data-id=\"793e7fc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>El objetivo de la <a href=\"https:\/\/www.deudafix.es\/\" target=\"_blank\" rel=\"noopener\">reestructuraci\u00f3n de deuda<\/a> consiste en alcanzar un acuerdo de pago con todos los acreedores, abonando la totalidad de la renta disponible que tiene el cliente tras restar a sus ingresos sus gastos esenciales.<\/p>\n<p>La principal ventaja de esta soluci\u00f3n es que el plazo de negociaci\u00f3n es de un mes desde la elaboraci\u00f3n de la propuesta de pago y que suele ser preferida por los acreedores al implicar la recuperaci\u00f3n del importe impagado.<\/p>\n<h3 id='cu\u00e1les-son-los-requisitos-para-iniciar-este-proceso'  id=\"boomdevs_1\" ><strong>\u00bfCu\u00e1les son los requisitos para iniciar este proceso?<\/strong><\/h3>\n<ul>\n<li>Encontrarse en situaci\u00f3n de sobreendeudamiento, es decir, no poder hacer frente al abono de todas las cuotas mensuales con los ingresos disponibles.<\/li>\n<li>Disponer de una renta disponible m\u00ednima que permita a Deudafix la elaboraci\u00f3n de una propuesta de pago razonable.<\/li>\n<li>El compromiso del cliente a cumplir con los pagos acordados tras la finalizaci\u00f3n de negociaci\u00f3n.<\/li>\n<\/ul>\n<p>Estos son los \u00fanicos requisitos necesarios para iniciar el proceso de reestructuraci\u00f3n de deuda.<\/p>\n<h3 id='por-qu\u00e9-elegir-esta-soluci\u00f3n'  id=\"boomdevs_2\" ><strong>\u00bfPor qu\u00e9 elegir esta soluci\u00f3n?<\/strong><\/h3>\n<p>A diferencia de la Ley de Segunda Oportunidad, es un proceso mucho m\u00e1s r\u00e1pido y menos costoso y burocr\u00e1tico. No hace falta la intervenci\u00f3n de ning\u00fan profesional ajeno como notario, mediador o juez.<\/p>\n<p>Adem\u00e1s, evita la generaci\u00f3n de un conflicto, pues es un acuerdo amistoso donde la voluntad de los acreedores es importante y el proceso es similar a una mediaci\u00f3n.<\/p>\n<h3 id='c\u00f3mo-iniciar-el-proceso'  id=\"boomdevs_3\" ><strong>\u00bfC\u00f3mo iniciar el proceso?<\/strong><\/h3>\n<p>El primer paso consiste en <a href=\"https:\/\/www.deudafix.es\/unirse\" target=\"_blank\" rel=\"noopener\">contactarnos<\/a> para valorar la situaci\u00f3n econ\u00f3mica del cliente y determinar la viabilidad del expediente. Tras la iniciaci\u00f3n, nuestros gestores revisar\u00e1n detenidamente la documentaci\u00f3n solicitada para poder elaborar una propuesta de pago adaptada a las circunstancias de cada expediente y posteriormente nuestro equipo de negociaci\u00f3n con acreedores, se encargar\u00e1 de trasladar y contactar a cada uno de los acreedores para detallarles la propuesta.<\/p>\n<p>En resumen, es un acuerdo de pago voluntario y r\u00e1pido entre los acreedores y el cliente, que ayuda evitar los conflictos y la intervenci\u00f3n de los juzgados.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El objetivo de la reestructuraci\u00f3n de deuda consiste en alcanzar un acuerdo de pago con todos los acreedores, abonando la totalidad de la renta disponible que tiene el cliente tras restar a sus ingresos sus gastos esenciales. La principal ventaja de esta soluci\u00f3n es que el plazo de negociaci\u00f3n es de un mes desde la [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-386","post","type-post","status-publish","format-standard","hentry","category-noticias-deudas","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 es la reestructuraci\u00f3n de deudas? - Deudafix<\/title>\n<meta name=\"description\" content=\"Te contamos todo lo que necesitas saber sobre la gesti\u00f3n de deuda. En Deudafix somos expertos en dar soluciones profesionales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deudafix.es\/blog\/como-funciona-la-gestion-de-deuda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es la reestructuraci\u00f3n de deudas? - Deudafix\" \/>\n<meta property=\"og:description\" content=\"Te contamos todo lo que necesitas saber sobre la gesti\u00f3n de deuda. 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