Chile Forum

Ok, long story short,

Girl friends Father ran off with a younger woman and left the family 2 years ago, the gfs mother, girl friend, and two sisters still live in the family house....

They have been living off the fathers wage where he gives them an allowance every month, (he is "was" super rich)..

turns out he has lost his job, and now has 15,000,000 worth of debt... the mother/father own the house they "girls" are living in, even tho the father doesnt live there...

the house is 100% owned by the mother/father....

However the mother doesn't work.. the father has . lost his job, and the repo men are knocking on the door wanting to take the furniture and valuables to the sum of $15,000,000 peso....

What can they legal do to prevent or delay this process?

How can they define ownership of things in the house... for example, two of the daughters work and have brought there own furniture etc, how can the repo men know what they can and can not take?, how can they legally define who owns what in the house? especially if no boleta exists any more?

I´m no expert on the subject but from what I´ve seen on TV programs here dealing with repos, it would sound like in your case, there´s little you can do, as examples they show on the TV, show that the men just turn up with a court order and literally pick and choose what they want and generally leave the place empty. Chilean civil and criminal laws are very different from those in the USA/Europe an I would sugegst you contact a lawyer, but make sure he´s recommended as it´s very common for clients to be ripped off by the lawyer, especially as they may well ask for an upfront fee. Try <LINK REMOVED>.

¿Puedo evitar que
embarguen mi vivienda?
La lectora Sandra Araya G. escribió a EL SUR pidiendo información relacionada con la normativa que existe en Chile respecto al embargo de bienes. Específicamente, quiere saber si puede evitar el remate o embargo de su casa, vendiéndola ella misma.
Cuando ya no existe ningún conducto regular para lograr que un deudor cumpla con su compromiso de cancelar el pago correspondiente, el acreedor tiene la facultad de solicitar el embargo de sus bienes. Pese a que éste no puede pagarse con bienes del demandado directamente, sino que deben pasar por un juicio, existe la posibilidad de que lleguen a un acuerdo entre ellos.
Ahora bien, es recomendable que una vez recibida la notificación de embargo, el deudor se asesore por un abogado especialista en temas civiles, quien realizará las gestiones judiciales respectivas. Existe un plazo máximo de cuatro días hábiles para pagar la deuda o rechazarla. Si la persona tiene el dinero para pagar el total de la deuda, más intereses, reajustes y costos del juicio, tiene que pagar a través de un depósito judicial en el BancoEstado, en la cuenta del respectivo tribunal, lo que deja sin efecto el embargo. En caso de que se rechace esta acusación porque no debe nada o ésta ha sido pagada antes de la notificación, el demandado tiene que demostrarlo con documentos o comprobantes.
Respecto a la consulta específica sobre el embargo de una vivienda, efectivamente se puede evitar esta situación si se consigue un comprador al cual se le pueda traspasar la propiedad con la hipoteca respectiva. En este caso, es necesaria la autorización del acreedor que otorga la hipoteca. Aunque es recomendable que se evite llegar a tal situación, negociando antes con un banco o financiera. El valor de la casa rematada es generalmente menor que el precio de mercado. Si su casa ya se encuentra embargada, la venta está prohibida.

Importante

En Chile, los bienes que se pueden embargar deben ser proporcionales al monto de la deuda que se tiene. Además, son efectuados en bienes propios del deudor. Si se trata de un "monto" que proviene de pensiones alimenticias decretadas judicialmente, puede embargarse hasta el 50% de las prestaciones que reciba el demandado. En tanto que los sueldos o remuneraciones pueden ser embargados si exceden de 56 UF.

Derechos

Cuando a un propietario le embargan sus bienes, éste puede realizar el "derecho de oposición". Este derecho consiste en señalarle al receptor judicial que ese bien no le pertenece, que no es de usted. El receptor tiene la obligación de cumplir este procedimiento.
Si los bienes ya han sido embargados, para recuperarlos el propietario debe asesorarse por un abogado, el que realizará las gestiones judiciales que correspondan. Tiene que comprobar con documentos o comprobantes de pago (boletas, facturas, escrituras públicas o incluso testigos) que dichos bienes le pertenecen. Este procedimiento se denomina tercería. Ahora, si se embargan algunos de los bienes inembargables se debe recurrir a un abogado, para que el juez así lo declare y se corrija esta situación.

Dato útil

Casi todos los bienes de un deudor son embargables, por ejemplo, vivienda propia (si existe garantía hipotecaria), automóvil, cuenta corriente y joyas. Sin embargo, por ley no se pueden embargar sueldos, pensiones y jubilaciones. También, bienes que son el sustento del deudor, los muebles de dormitorio, de comedor y de cocina, incluso de uso familiar y la ropa necesaria para el abrigo del moroso, del cónyuge y los hijos que viven a sus expensas. Los utensilios caseros y de cocina, los artículos de alimento y combustibles que existan en poder del deudor para el consumo indispensable de la familia durante un mes. Además, maquinarias y herramientas, libros relativos a la profesión del deudor, es decir, instrumentos que le sirven al deudor para la enseñanza de alguna ciencia o arte.

sorry, Gloria. had to call those links out of bounds as they are law firms. People should have no problem Googling them, just can't really pay to promote other law firm web sites.

admin wrote:sorry, Gloria. had to call those links out of bounds as they are law firms. People should have no problem Googling them, just can't really pay to promote other law firm web sites.

Sorry about that, I didn't even give it thought.I was so focused in looking for an answer trying to help the one that wrote the question.No harm intended, honest! I have been reading and watching how people get into messes due to debts and some for not fault of their own that I felt compelled to help.

Thanks for the help, there is now a lawyer on the case!!!!

The short answer to the original problem is that you need to make a declaration that the contents do not belong to the person in debt.

Funny story. Some people I know got themselves in to a lot of debt in Santiago. They ran away from the apartment they were renting in the middle of the night, so as not to have their stuff seized. The next week in their new apartment, a collector tried to take repo their stuff because the former tenets were also in debt and ran away in the middle of the night at the apartment they had just moved in to. They were not on his debt list, so they simple went and filed a declaration that the stuff was not owned by the former tenants.

A very what goes around comes around sort of story.

Watch out for cases where the owner of the apartment or house you are renting is in debt, and they try to seize both the content and the building. Sometimes a good idea to do credit checks both directions.

We hear about situations like the one described by zer0nz quite frequently, more so than back in Europe.

[referred to attorney]

The answer is it depends on the situation and hire an attorney because it depends on the situation.

I went to a remate auction (i.e. foreclosures) for the first time last week. It was organized by Macal in Santiago, the largest martillo in the country I believe. They were selling about 50 properties all over Chile, from small apartments to average houses to large agricultural lots. Maybe 200 people were attending, but most were newbie tourists like us. I left after the first batch of 19 to whom belonged an apartment I was interested in (not for bidding yet, but to see the bidding dynamic and how the process works). Well, let me tell you, low minimum prices have little to do with the price that the highest bidders ended up paying. Everything went for between 1.5x and 3x the intro price, or more. In some cases I think people might have paid market value or beyond. Next year they plan to allow real time internet/phone bidding which of course will attract more potential buyers from outside Santiago. This makes sense given most properties were in other regions, from Iquique to Valvidia.

Talking with various people about remates, it seems they have the reputation to be somewhat closed, if not outright rigged. I'm told banks will sometimes advertise a remate in a newspaper on the other side of the country so that they nominally comply with legal publication obligations, but in practice only someone's cousin is in the know, thus securing a low, low price. I'm also told people will send palos blancos to fuel bidding wars, or that banks will make it hard for you to get keys to a property they'd like to keep on the side for a friend... Lost of funny pituto tricks it seems.

I might attend another Macal auction later this month, but I'm starting to get the feeling these auctions with big newspaper ads and flashy websites behind them are not where the best deals are to be found. I'm guessing auctions from the Tesoria, or these tiny nondescript listings in newspapers, are where it's at. Obviously it's much more work because of the lack of useful information made readily available.

Olivier,

Great info, thanks for sharing. Sounds like a microcosm of big-business environment....competition between pitucos, limited and on their terms.

John Hyre