Qué es la cobranza extrajudicial y la cobranza judicial

Difference Between Cobranza Judicial and Cobranza Extrajudicial

Understanding Cobranza Judicial

• Cobranza judicial refers to a legal process where a lawsuit is initiated against the debtor to recover owed money, indicating that formal judicial proceedings are underway.

• This type of collection involves a mercantile judicial process aimed at enforcing payment from the debtor.

Exploring Cobranza Extrajudicial

• Cobranza extrajudicial represents traditional debt collection methods, starting from the moment a debtor receives initial communication such as phone calls or text messages requesting payment.

• The term "extrajudicial" is often used by collectors to create an impression of seriousness, which can intimidate debtors who may not fully understand its implications.

Key Differences Highlighted

• The primary distinction lies in the presence of legal action; cobranza extrajudicial occurs before any court involvement, while cobranza judicial indicates that legal measures have been taken against the debtor.

• Debtors may feel alarmed when they encounter terms like "cobranza extrajudicial," but it simply marks the beginning of collection efforts rather than an immediate threat of legal action.