{"id":17995,"date":"2021-05-27T09:17:08","date_gmt":"2021-05-27T09:17:08","guid":{"rendered":"http:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/?p=17995"},"modified":"2021-05-31T11:43:20","modified_gmt":"2021-05-31T11:43:20","slug":"cobranza-extrajudicial-derechos-los-consumidores","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/","title":{"rendered":"Cobranza extrajudicial: derechos de los consumidores"},"content":{"rendered":"
\"image_pdf\"<\/a>\"image_print\"<\/a><\/div>

El pasado 21 de abril se public\u00f3 la Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496 sobre Protecci\u00f3n de los Derechos de los Consumidores en materia de cobranza extrajudicial y otros derechos del consumidor.<\/p>\n

Esta Ley, pendiente de desarrollo reglamentario, introduce novedades con el objetivo de fortalecer la protecci\u00f3n de los consumidores respecto a las actuaciones de cobranza extrajudicial en que se vean involucrados. Entre los aspectos m\u00e1s relevantes de la misma, destacan los siguientes:<\/p>\n

Principios de las actuaciones de cobranza extrajudicial<\/b><\/h4>\n

Las actuaciones de cobranza extrajudicial cualquiera sea su naturaleza, medio de comunicaci\u00f3n o momento en que se realicen, deber\u00e1n ajustarse a los principios de proporcionalidad, razonabilidad, justificaci\u00f3n, transparencia, veracidad, respeto a la dignidad y a la integridad f\u00edsica y ps\u00edquica del consumidor, y privacidad del hogar.<\/p>\n

Seg\u00fan indica la norma, se entender\u00e1 que no se da cumplimiento a estos principios:<\/p>\n

    \n
  • Cuando el proveedor del cr\u00e9dito o la empresa de cobranza efect\u00fae m\u00e1s de un contacto telef\u00f3nico o visita por semana.<\/li>\n
  • Cuando, trat\u00e1ndose de la realizaci\u00f3n de otras actuaciones de cobranza extrajudicial realizadas a trav\u00e9s de correspondencia por correo, mensajes de texto, correos electr\u00f3nicos o aplicaciones de mensajer\u00eda instant\u00e1nea; se realicen m\u00e1s de dos gestiones por semana. Gestiones que, adem\u00e1s, deber\u00e1n contar con una separaci\u00f3n de, al menos, dos d\u00edas.<\/li>\n<\/ul>\n

    Obligaciones de las empresas de cobranza judicial<\/b><\/h4>\n

    Las empresas que realicen cobranza extrajudicial y los proveedores de cr\u00e9ditos que efect\u00faen procesos de cobro deber\u00e1n, al iniciar cualquier gesti\u00f3n destinada a la obtenci\u00f3n del pago de la deuda, informar al deudor de los medios de contacto para que el consumidor pueda comunicarse, respecto de las actuaciones de cobranza extrajudicial.<\/p>\n

    Adicionalmente, estos sujetos deber\u00e1n registrar, almacenar y mantener disponible el tipo y frecuencia de las gestiones que realicen por cada deudor por un plazo de al menos dos a\u00f1os, contado desde su realizaci\u00f3n<\/p>\n

    Infracciones y sanciones<\/b><\/h4>\n

    El r\u00e9gimen sancionatorio aplicable a la infracci\u00f3n de estas nuevas estipulaciones ser\u00e1 el previsto en el Art. 24 de la Ley 19.496.\u00a0 A estos efectos, y puesto que no se prev\u00e9 una sanci\u00f3n diferente, las conductas que vulneren las disposiciones relacionadas con las actuaciones de cobranza extrajudicial, ser\u00e1n sancionadas con multa de hasta 300 UT mensuales.<\/p>\n

    R\u00e9gimen transitorio y Texto Refundido
    \n<\/b><\/h4>\n

    La norma prev\u00e9 que, de manera transitoria y mientras dure el estado de excepci\u00f3n constitucional de cat\u00e1strofe por calamidad p\u00fablica ocasionado por la pandemia de COVID-19 y, por los sesenta d\u00edas posteriores al t\u00e9rmino de la \u00faltima pr\u00f3rroga de ellas, las llamadas o visitas de cobranza extrajudicial tan solo podr\u00e1n realizarse s\u00f3lo dos veces al mes, respecto de cada deudor.<\/p>\n

    Por \u00faltimo, destacar, la reciente publicaci\u00f3n del Texto Refundido de la Ley de Protecci\u00f3n de los Derechos de los Consumidores, un compendio fruto de las numerosas modificaciones que ha ido experimentando esta Ley a lo largo de los a\u00f1os.<\/p>\n","protected":false},"excerpt":{"rendered":"

    El pasado 21 de abril se public\u00f3 la Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496 sobre Protecci\u00f3n de los Derechos de los Consumidores en materia de cobranza extrajudicial y otros derechos del consumidor. Esta Ley, pendiente de desarrollo reglamentario, introduce novedades con el objetivo de fortalecer la protecci\u00f3n de los consumidores respecto a […]<\/p>\n","protected":false},"author":30,"featured_media":17998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[104,90,5393,5387,5388,2067,5115,5390,5391,2869,1058,5392,5389,4536],"class_list":["post-17995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-transparencia","tag-chile","tag-cobranza-extrajudicial","tag-cobro-extrajudicial","tag-conducta-prohibida","tag-consumidor","tag-covid-19-2","tag-ley-21-320","tag-ley-no-19-496","tag-proporcionalidad","tag-proteccion","tag-proteccion-derechos-de-los-consumidores","tag-proveedor-de-creditos","tag-usuario","numero-25m","seccion-legislacion-normas-publicadas-microfinanzas","pais-chile"],"acf":[],"yoast_head":"\nCobranza extrajudicial: derechos de los consumidores<\/title>\n<meta name=\"description\" content=\"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos\" \/>\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.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cobranza extrajudicial: derechos de los consumidores\" \/>\n<meta property=\"og:description\" content=\"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\" \/>\n<meta property=\"og:site_name\" content=\"Progreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-27T09:17:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-31T11:43:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"karessa Ramos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:site\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"karessa Ramos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Cobranza extrajudicial: derechos de los consumidores\",\"datePublished\":\"2021-05-27T09:17:08+00:00\",\"dateModified\":\"2021-05-31T11:43:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\"},\"wordCount\":515,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg\",\"keywords\":[\"#transparencia\",\"Chile\",\"cobranza extrajudicial\",\"cobro extrajudicial\",\"conducta prohibida\",\"Consumidor\",\"COVID 19\",\"Ley 21.320\",\"ley N\u00ba 19.496\",\"proporcionalidad\",\"protecci\u00f3n\",\"protecci\u00f3n derechos de los consumidores\",\"proveedor de cr\u00e9ditos\",\"usuario\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\",\"name\":\"Cobranza extrajudicial: derechos de los consumidores\",\"isPartOf\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg\",\"datePublished\":\"2021-05-27T09:17:08+00:00\",\"dateModified\":\"2021-05-31T11:43:20+00:00\",\"description\":\"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg\",\"width\":400,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cobranza extrajudicial: derechos de los consumidores\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"name\":\"Revista Progreso\",\"description\":\"Revista de Actualidad Jur\u00eddica\",\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"alternateName\":\"Revista Progreso\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\",\"name\":\"Revista Progreso\",\"alternateName\":\"Revista Progreso\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"width\":6173,\"height\":1001,\"caption\":\"Revista Progreso\"},\"image\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\",\"https:\/\/x.com\/FMBBVA\",\"https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/\",\"https:\/\/www.instagram.com\/somosfmbbva\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\",\"name\":\"karessa Ramos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"caption\":\"karessa Ramos\"},\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/author\/karessa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cobranza extrajudicial: derechos de los consumidores","description":"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/","og_locale":"es_ES","og_type":"article","og_title":"Cobranza extrajudicial: derechos de los consumidores","og_description":"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2021-05-27T09:17:08+00:00","article_modified_time":"2021-05-31T11:43:20+00:00","og_image":[{"width":400,"height":300,"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg","type":"image\/jpeg"}],"author":"karessa Ramos","twitter_card":"summary_large_image","twitter_creator":"@FMBBVA","twitter_site":"@FMBBVA","twitter_misc":{"Escrito por":"karessa Ramos","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Cobranza extrajudicial: derechos de los consumidores","datePublished":"2021-05-27T09:17:08+00:00","dateModified":"2021-05-31T11:43:20+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/"},"wordCount":515,"commentCount":0,"publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg","keywords":["#transparencia","Chile","cobranza extrajudicial","cobro extrajudicial","conducta prohibida","Consumidor","COVID 19","Ley 21.320","ley N\u00ba 19.496","proporcionalidad","protecci\u00f3n","protecci\u00f3n derechos de los consumidores","proveedor de cr\u00e9ditos","usuario"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/","name":"Cobranza extrajudicial: derechos de los consumidores","isPartOf":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg","datePublished":"2021-05-27T09:17:08+00:00","dateModified":"2021-05-31T11:43:20+00:00","description":"Ley n\u00famero 21.320 que modifica la ley N\u00ba 19.496, sobre Protecci\u00f3n de los Derechos de los Consumidores, en materia de cobranza extrajudicial y otros derechos","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2021\/04\/Palacio-de-La-Moneda-en-Santiago-de-Chile-Chile1.jpg","width":400,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/cobranza-extrajudicial-derechos-los-consumidores\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/"},{"@type":"ListItem","position":2,"name":"Cobranza extrajudicial: derechos de los consumidores"}]},{"@type":"WebSite","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","name":"Revista Progreso","description":"Revista de Actualidad Jur\u00eddica","publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"alternateName":"Revista Progreso","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization","name":"Revista Progreso","alternateName":"Revista Progreso","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","width":6173,"height":1001,"caption":"Revista Progreso"},"image":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","https:\/\/x.com\/FMBBVA","https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/","https:\/\/www.instagram.com\/somosfmbbva\/"]},{"@type":"Person","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf","name":"karessa Ramos","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","caption":"karessa Ramos"},"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/author\/karessa\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/17995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/comments?post=17995"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/17995\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/media\/17998"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/media?parent=17995"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/tags?post=17995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}