{"id":5736,"date":"2025-02-04T00:00:00","date_gmt":"2025-02-04T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/cesion-de-creditos\/"},"modified":"2025-02-04T00:00:00","modified_gmt":"2025-02-04T00:00:00","slug":"cesion-de-creditos","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/cesion-de-creditos\/","title":{"rendered":"Cesi\u00f3n de cr\u00e9ditos"},"content":{"rendered":"<p>Una manera de sanear el balance de las empresas es ceder cr\u00e9ditos hist\u00f3ricos, total o parcialmente amortizados. As\u00ed, se cambia deuda vencida por tesorer\u00eda, <i>vendiendo <\/i>a un tercero <i>estas deudas por un importe muy inferior<\/i> a lo que realmente se debe. Ahora bien, cuando estos cr\u00e9ditos son litigiosos, <i>el deudor tiene un derecho de retracto:<\/i> puede comprar su cr\u00e9dito y extinguir la deuda, <i>abonando lo mismo que el tercero pag\u00f3 al acreedor <\/i>(con los intereses correspondientes) en el plazo de nueve d\u00edas naturales, a contar desde que el nuevo acreedor se lo reclame. A estos efectos, se considera que un cr\u00e9dito es litigioso cuando:<\/p>\n<ul>\n<li><i>Su pago ha sido reclamado judicialmente<\/i> por el acreedor;<\/li>\n<\/ul>\n<ul>\n<li><i>El deudor ha contestado a la demanda oponi\u00e9ndose a la reclamaci\u00f3n, <\/i><\/li>\n<\/ul>\n<ul>\n<li><i>Y a\u00fan no consta sentencia firme<\/i>.<\/li>\n<\/ul>\n<p>Dados los estrictos requisitos, lo cierto es que en la pr\u00e1ctica es poco probable que se d\u00e9 esta situaci\u00f3n. Adem\u00e1s, para los tribunales, este derecho no resulta de aplicaci\u00f3n a las ventas a tanto alzado de carteras de cr\u00e9dito realizadas habitualmente por los bancos. No obstante, es importante actuar con celeridad y, al recibir la notificaci\u00f3n del nuevo acreedor informando de su condici\u00f3n de cesionario del cr\u00e9dito, verificar si se dan los requisitos, exigiendo si es preciso que se le notifique el precio exacto de la cesi\u00f3n para, en su caso, poder ejercer el retracto en plazo.<\/p>\n<p>\u00a0<\/p>\n<p> Nuestros asesores estudiar\u00e1n su caso y le informar\u00e1n de si cumple los requisitos y c\u00f3mo actuar para poder extinguir su deuda en caso de cesi\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una manera de sanear el balance de las empresas es ceder cr&eacute;ditos hist&oacute;ricos, total o parcialmente amortizados. As&iacute;, se cambia deuda vencida por tesorer&iacute;a, vendiendo a un tercero estas deudas por un importe muy inferior a lo que realmente se debe. Ahora bien, cuando estos cr&eacute;ditos son litigiosos, el deudor tiene un derecho de retracto: [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-5736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mercantil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cesi\u00f3n de cr\u00e9ditos | Contem Assessors<\/title>\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.contem.es\/es\/cesion-de-creditos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cesi\u00f3n de cr\u00e9ditos | Contem Assessors\" \/>\n<meta property=\"og:description\" content=\"Una manera de sanear el balance de las empresas es ceder cr&eacute;ditos hist&oacute;ricos, total o parcialmente amortizados. As&iacute;, se cambia deuda vencida por tesorer&iacute;a, vendiendo a un tercero estas deudas por un importe muy inferior a lo que realmente se debe. Ahora bien, cuando estos cr&eacute;ditos son litigiosos, el deudor tiene un derecho de retracto: [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.contem.es\/es\/cesion-de-creditos\/\" \/>\n<meta property=\"og:site_name\" content=\"Contem Assessors\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-04T00:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.contem.es\/wp-content\/uploads\/2016\/06\/touch-icon-contem.png\" \/>\n<meta name=\"author\" content=\"rss\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@contemassessors\" \/>\n<meta name=\"twitter:site\" content=\"@contemassessors\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"rss\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" 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