{"id":27730,"date":"2017-06-28T12:12:23","date_gmt":"2017-06-28T17:12:23","guid":{"rendered":"http:\/\/innovatori.space\/lat21\/?p=27730"},"modified":"2017-08-07T11:58:18","modified_gmt":"2017-08-07T16:58:18","slug":"la-cobranza-extrajudicial-ilegal-es-un-delito","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=27730","title":{"rendered":"La cobranza extrajudicial ilegal es un delito"},"content":{"rendered":"<ul>\n<li><strong>CONDUSEF orientar\u00e1 a los usuarios que presenten quejas.<\/strong><\/li>\n<\/ul>\n<p><a href=\"http:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/Cobranza_ilegal.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-27732\" title=\"Cobranza_ilegal\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/Cobranza_ilegal.jpg\" alt=\"\" width=\"635\" height=\"356\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/Cobranza_ilegal.jpg 635w, https:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/Cobranza_ilegal-300x168.jpg 300w, https:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/Cobranza_ilegal-585x328.jpg 585w\" sizes=\"(max-width: 635px) 100vw, 635px\" \/><\/a><\/p>\n<p>Ante la publicaci\u00f3n de las reformas al C\u00f3digo Penal Federal, en donde se establece sancionar de uno a cuatro a\u00f1os de prisi\u00f3n y multa de cincuenta mil a trecientos mil pesos a quien lleve a cabo la actividad de cobranza extrajudicial ilegal, la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (CONDUSEF) brindar\u00e1 informaci\u00f3n y asesor\u00eda a los usuarios que presenten reclamaciones ante el Registro de Despachos de Cobranza (REDECO).<\/p>\n<p>Hay que recordar que el REDECO, adem\u00e1s de ser un registro de los despachos con los que las instituciones financieras trabajan para el cobro de su cartera, tambi\u00e9n permite a los usuarios presentar una queja ante las malas pr\u00e1cticas de cobro, las cuales est\u00e1n clasificadas en 21 causas de reclamaci\u00f3n.<\/p>\n<p>Sin embargo, con dicha reforma al C\u00f3digo Penal, s\u00f3lo cuatro de las causas de reclamaci\u00f3n establecidas por el REDECO pueden ser tipificadas como delito, las cuales son las siguientes:<\/p>\n<ul>\n<li>Amenaza, ofende o intimida al deudor, familiares, compa\u00f1eros de trabajo o cualquier otra persona que no tenga relaci\u00f3n con la deuda.<\/li>\n<li>Env\u00eda documentos que aparenten ser escritos judiciales u ostentarse como representantes de alg\u00fan \u00f3rgano jurisdiccional o autoridad.<\/li>\n<li>Gesti\u00f3n de Cobranza con maltrato y ofensas.<\/li>\n<li>Utiliza nombre o denominaci\u00f3n que se asemeja a una instituci\u00f3n p\u00fablica.<\/li>\n<\/ul>\n<p>De enero a mayo de 2017, el REDECO registr\u00f3 10 mil 642 reclamaciones, las cuales se derivan en 30 mil 502 incidencias reportadas, de \u00e9stas 7 mil 524 correspondieron a las cuatro causas tipificadas como delito (24%), es decir, si estas disposiciones hubieran entrado en vigor el 1 de enero de este a\u00f1o, habr\u00eda hasta el momento 7 mil 524 presuntos delitos que la CONDUSEF hubiese tenido que notificar a la autoridad.<\/p>\n<p>Los principales despachos de cobranza se\u00f1alados por estas malas pr\u00e1cticas son:<\/p>\n<ol>\n<li>Consorcio Jur\u00eddico de Cobranza Especializada. (3%)<\/li>\n<li>Mu\u00f1oz C. y Asociados S.A de C.V. (3%)<\/li>\n<li>Servicios T\u00e9cnicos de Cobranza S.A de C.V. (2%)<\/li>\n<li>Recuperaci\u00f3n Crediticia de M\u00e9xico S.C. (2%)<\/li>\n<\/ol>\n<p>Las instituciones registradas con m\u00e1s reclamaciones para las cuatro causas se\u00f1aladas en dicho periodo son:<\/p>\n<p><a href=\"http:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/reclamaciones-cobranza.jpg\" data-rel=\"penci-gallery-image-content\" ><img decoding=\"async\" class=\"aligncenter size-large wp-image-27731\" title=\"reclamaciones-cobranza\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2017\/06\/reclamaciones-cobranza-1024x669.jpg\" alt=\"\" width=\"1024\" height=\"669\" \/><\/a><\/p>\n<p>*Una queja puede tener varias incidencias o causas de reclamaci\u00f3n. Por ejemplo: amenazas e intimidaci\u00f3n y enviar documentos que aparenten ser judiciales.<\/p>\n<p>Vale la pena precisar que el Art. 284 Bis del C\u00f3digo Penal define la cobranza extrajudicial ilegal como \u201cel uso de la violencia o la intimidaci\u00f3n il\u00edcitos, ya sea personalmente o a trav\u00e9s de cualquier medio, para requerir el pago de una deuda derivada de actividades reguladas en leyes federales, incluyendo cr\u00e9ditos o financiamientos que hayan sido otorgados originalmente por personas dedicadas habitual y profesionalmente a esta actividad, con independencia del tenedor de los derechos de cobro al momento de llevar a cabo la cobranza\u201d.<\/p>\n<p>La CONDUSEF te recuerda que la cobranza extrajudicial ilegal es un delito que se perseguir\u00e1 por querella, por lo que si eres v\u00edctima de amenazas o te intimidan por tel\u00e9fono o por escrito, puedes acudir a las oficinas de la Comisi\u00f3n Nacional en donde adem\u00e1s de presentar tu queja a trav\u00e9s del REDECO, recibir\u00e1s asesor\u00eda jur\u00eddica para que puedas denunciar los hechos ante la PGR.<\/p>\n<p>Para cualquier duda o consulta adicional, favor de comunicarse a la CONDUSEF al tel\u00e9fono 01 800 999 80 80 o bien, visitar nuestra p\u00e1gina de internet www.gob.mx\/condusef, tambi\u00e9n nos pueden seguir en Twitter:@CondusefMX y Facebook: condusefoficial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CONDUSEF orientar\u00e1 a los usuarios que presenten quejas. Ante la publicaci\u00f3n de las reformas al C\u00f3digo&hellip;<\/p>\n","protected":false},"author":2,"featured_media":27732,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[4,23],"tags":[],"class_list":["post-27730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas-y-negocios","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La cobranza extrajudicial ilegal es un delito | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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