{"id":11746,"date":"2021-02-16T13:58:04","date_gmt":"2021-02-16T18:58:04","guid":{"rendered":"https:\/\/demo2.mybscu.org\/?p=11746"},"modified":"2024-01-14T21:53:18","modified_gmt":"2024-01-15T02:53:18","slug":"the-consequences-of-debt","status":"publish","type":"post","link":"https:\/\/demo2.mybscu.org\/es\/the-consequences-of-debt\/","title":{"rendered":"Las consecuencias de la deuda"},"content":{"rendered":"<section data-parent=\"true\" class=\"vc_section row-container\" id=\"section-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/demo2.mybscu.org\/wp-content\/uploads\/2021\/02\/shutterstock_528243775.jpg);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row no-top-padding no-bottom-padding no-h-padding full-width row-parent\"><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-0\"><div class=\"row unequal limit-width row-parent\" data-height-ratio=\"60\" data-minheight=\"300\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center align_center_mobile column_parent col-lg-12 no-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"ult-spacer spacer-69d9bc283ca78\" data-id=\"69d9bc283ca78\" data-height=\"20\" data-height-mobile=\"20\" data-height-tab=\"20\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><script id=\"script-section-unique-0\" data-section=\"script-section-unique-0\" type=\"text\/javascript\">UNCODE.initSection(document.getElementById(\"section-unique-0\"));<\/script><\/div><\/section><div data-parent=\"true\" class=\"vc_row style-color-lxmt-bg vc_custom_1613501415174 row-container onepage-section\" data-label=\"more\" data-name=\"more\" style=\"padding-top: 20px ;padding-bottom: 20px ;\" id=\"row-unique-1\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_2\"><div id=\"Info-box-wrap-3366\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\" data-animation=\"swing\" data-animation-delay=\"03\" style=\"color:#00475f;font-size:48px;display:inline-block;\">\n\t<i class=\"Defaults-heart\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-3366 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"desktop:20px;\",\"line-height\":\"\"}'  style=\"\">\u00bfQu\u00e9 ocurre si no pagas tu deuda?<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-3366 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"desktop:18px;\",\"line-height\":\"\"}'  style=\"color:#000000;\">Debt is an obligation that requires the debtor to satisfy the financial needs of the creditor. Unpaid debt carries many harmful consequences. It&#8217;s essential to educate yourself with the burdens of debt &#8211; here&#8217;s what you can expect:<\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">La deuda impagada se enviar\u00e1 a una agencia de cobro.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Tu historial crediticio y tu puntuaci\u00f3n se ver\u00e1n afectados.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">La deuda tarda mucho tiempo en desaparecer.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Contacto de cobradores de deudas<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Agencia de cobros<\/strong><\/h4>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">&#8220;Under the federal law an original creditor can send your account to a collection agency once it&#8217;s 31 days past due, though some creditors may try to collect the payment on their own for up to 180 days,&#8221; according to Christina Lucey, director of product and financial advocate at the personal finance website CreditKarma.com. If you default on a credit card, loan, or monthly utility payments, you run the risk of having your account sent to a third-party collection agency in which you are still liable to pay off the debt.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Puntuaci\u00f3n crediticia<\/strong><\/h4>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Las deudas consumen un porcentaje considerable de tu puntaje crediticio. El historial de pagos, la utilizaci\u00f3n del cr\u00e9dito, la antig\u00fcedad de las cuentas y las consultas recientes pueden afectar negativamente tu puntaje si tienes deudas. Pagar tus saldos r\u00e1pidamente ayuda a mejorar tu puntaje crediticio al reducir la utilizaci\u00f3n del cr\u00e9dito. Si pierdes el control de tus deudas y te ves obligado a optar por la liquidaci\u00f3n de deudas o la bancarrota, tu puntaje crediticio se ver\u00e1 gravemente afectado y tardar\u00e1s meses, incluso a\u00f1os, en recuperarlo.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Impacto de la deuda<\/strong><\/h4>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Las deudas impagadas que se reportan a los acreedores tardan hasta siete a\u00f1os en desaparecer de su historial crediticio. Los acreedores utilizan el puntaje crediticio como factor para decidir si otorgan tarjetas de cr\u00e9dito, pr\u00e9stamos o incluso la aprobaci\u00f3n de una vivienda o un veh\u00edculo. Adem\u00e1s, las deudas contribuyen al estr\u00e9s y la depresi\u00f3n, lo que puede derivar en problemas de salud mental m\u00e1s graves.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Asesor financiero<\/strong><\/h4>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Bad news? You&#8217;re in debt. Good news? BrightStar Credit Union offers its members free advisors to help with consolidating debt, surviving rough financial patches, and many more financial questions you may have. Advisors at BrightStar use their knowledge and expertise to construct personalized financial plans to achieve their clients&#8217; financial goals. Our advisors check in with their clients regularly to re-evaluate current situations\/future goals and plan accordingly for continued success.<\/span><\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":""},"author":4,"featured_media":15544,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2866,21,33,35,26,27],"tags":[],"class_list":["post-11746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budget","category-financial-decisions","category-good-credit","category-saving","category-student-debt"],"_links":{"self":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/11746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/comments?post=11746"}],"version-history":[{"count":1,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/11746\/revisions"}],"predecessor-version":[{"id":15545,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/11746\/revisions\/15545"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/media\/15544"}],"wp:attachment":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/media?parent=11746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/categories?post=11746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/tags?post=11746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}