{"id":46177,"date":"2020-12-22T00:00:00","date_gmt":"2020-12-22T06:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2020\/12\/how-the-automatic-stay-protects-against-claims-of-creditors\/"},"modified":"2020-12-22T00:00:00","modified_gmt":"2020-12-22T06:00:00","slug":"how-the-automatic-stay-protects-against-claims-of-creditors","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/12\/how-the-automatic-stay-protects-against-claims-of-creditors\/","title":{"rendered":"C\u00f3mo la suspensi\u00f3n autom\u00e1tica protege contra las reclamaciones de los acreedores"},"content":{"rendered":"<p>Una de las pol\u00edticas subyacentes importantes del C\u00f3digo de Quiebras de los Estados Unidos es que todos los acreedores del deudor en quiebra deben recibir el mismo trato. Un segundo principio importante es proteger el patrimonio de la quiebra contra la reducci\u00f3n causada por los esfuerzos agresivos de cobro de uno o dos acreedores. Ambas pol\u00edticas se logran en parte mediante lo que se denomina la &quot;<a href=\"https:\/\/www.natlbankruptcy.com\/automatic-stay-explained\/\" target=\"_blank\" rel=\"noopener\">suspensi\u00f3n autom\u00e1tica<\/a>.\u201dEn esta publicaci\u00f3n se explicar\u00e1n los conceptos b\u00e1sicos de la suspensi\u00f3n autom\u00e1tica.<\/p>\n<h2>\u00bfQu\u00e9 es una suspensi\u00f3n autom\u00e1tica?<\/h2>\n<p>Una suspensi\u00f3n es una orden judicial que obliga a las partes sujetas a la jurisdicci\u00f3n del tribunal a abstenerse de una acci\u00f3n espec\u00edfica. En el tribunal de quiebras, la suspensi\u00f3n, con algunas excepciones, se aplica a todas las reclamaciones pendientes de todos los acreedores del deudor. El aspecto importante de la suspensi\u00f3n autom\u00e1tica es que se emite autom\u00e1ticamente al presentarse una solicitud de quiebra. El deudor que presenta la solicitud debe presentar una lista de todos los acreedores y las cantidades adeudadas. El secretario del tribunal utiliza esta lista para notificar una copia de la orden de suspensi\u00f3n autom\u00e1tica a cada acreedor.<\/p>\n<h2>\u00bfCu\u00e1l es el efecto de la suspensi\u00f3n?<\/h2>\n<p>Mientras la suspensi\u00f3n est\u00e9 vigente, ning\u00fan acreedor podr\u00e1 iniciar ni interponer ninguna acci\u00f3n judicial para cobrar una deuda del deudor, embargar el salario ni realizar llamadas telef\u00f3nicas para exigir el pago. La duraci\u00f3n de la suspensi\u00f3n puede variar seg\u00fan el caso, dependiendo del estado de cada deuda. La suspensi\u00f3n autom\u00e1tica detendr\u00e1 temporalmente la ejecuci\u00f3n hipotecaria de una vivienda. Lamentablemente, la deuda subyacente y la obligaci\u00f3n de reembolsar el pr\u00e9stamo no se ven afectadas. La mayor\u00eda de los pr\u00e9stamos hipotecarios son renegociados o reafirmados por el deudor.<\/p>\n<h2>L\u00edmites a la suspensi\u00f3n autom\u00e1tica<\/h2>\n<p>Algunas deudas no se ven afectadas por la suspensi\u00f3n autom\u00e1tica. Entre ellas, se encuentran las obligaciones de manutenci\u00f3n de hijos y c\u00f3nyuges, y las deudas tributarias.<\/p>\n<h2>\u00bfSe debe presentar la solicitud o no?<\/h2>\n<p>La protecci\u00f3n que ofrece la suspensi\u00f3n autom\u00e1tica es una raz\u00f3n tentadora para declararse en bancarrota. Sin embargo, no hay dos situaciones iguales. Cualquiera que est\u00e9 considerando declararse en bancarrota deber\u00eda consultar con un...\u00a0<a href=\"\/es\/bankruptcy-law\/\" target=\"_blank\" rel=\"noreferrer noopener\">abogado de bancarrotas con experiencia<\/a>\u00a0para obtener asesoramiento sobre el efecto de la suspensi\u00f3n autom\u00e1tica y el impacto general de un procedimiento de quiebra.<\/p>","protected":false},"excerpt":{"rendered":"<p>Una de las pol\u00edticas subyacentes importantes del C\u00f3digo de Quiebras de los Estados Unidos es que todos los acreedores del deudor en quiebra deben recibir el mismo trato. Un segundo principio importante es proteger el patrimonio de la quiebra contra la reducci\u00f3n causada por los intentos agresivos de cobro de uno o dos acreedores. Ambas pol\u00edticas se logran en parte mediante lo que es [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-46177","post","type-post","status-publish","format-standard","hentry","category-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How the automatic stay protects against claims of creditors - Debra L. 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