You have to be very careful with debts, especially if you want to access any government benefit or if you intend to request a loan. Not having the financial situation resolved can generate great difficulties when carrying out any of these procedures.
The problem becomes more serious when the person is unaware of this situation. In fact, the situation may arise in which you go to a bank to request a loan and find that the bank denies your request. Because? Because the applicant’s name appears on a list of defaulters.
For this reason, the question that many people ask is “how can I know if I am included in a list of defaulters?
How to know if you are on a list of defaulters?
In the first place, it should be noted that the regulations establish that the defaulter who is going to fall into one of these files is notified, since this way they may have the possibility of paying the amount owed to cancel or rectify the non-payment.
However, in the event that the affected party has not learned of this notice, the debtor’s data will proceed to be included in a list of defaulters. On the other hand, the name of the debtor may only remain in these files for a maximum of 6 years.
Specifically, for the name of the defaulter to be included in one of these lists, a series of conditions must be met:
– Existence of an overdue debt, demanded by the indebted party and unpaid by the indebted party.
– The debt must not have prescribed.
– Not be in a judicial or extrajudicial process derived from this debt.
– Explicit notification of the possibility of being included in lists of defaulters.
If, for any reason, it were necessary to verify the situation of the business, the self-employed person would have to go to one of these delinquent files to certify the registration of their name in them:
-RAI
– ASNEF or National Association of Financing Entities
– Experian Bureau of Business
– Infodebt
– RIJ or Registry of Judicial Defaulters
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