Search Results
Search Results
-
THE MANDATE TO COLLECT AS A FORM OF ASSIGNMENT AND THE ACCEPTANCE OF THE ASSIGNMENT THROUGH LITIS CONTESTATIO
This commentary analyses a recent decision which declared that the assignee of a credit, despite not having notified the debtor of the assignment, may nonetheless collect the credit as long as he appears as agent of the original creditor. Special attention is drawn to the complicate mechanism chosen by the assignee/agent in order to collect, which is based in an erroneous interpretation regarding the time and manner in which the assignment must be notified.
-
ABOUT START RUNNING OF LIMITATION ACTIONS FOR BREACH OF CONTRACT
The enforceability rule to establish the computation of the extinctive prescription period constitutes the general rule in the law of obligations.
Its traditional interpretation assumes it as a simple matter, the exception of which is the obligation subject to a term or condition precedent. The existence of the credit and the action for its execution or fulfillment constitute the essential trace for its understanding. However, as will be demonstrated in this work, this understanding is not satisfactory, at least in its traditional understanding, to set the time of the prescription of the indemnity action derived from breach of contract. It will be reasoned and concluded that the indemnity action for breach of contract will not apply without the manifestation of the damage.
-
The persuasive purpose of advertising and its dangers with regards to consumer credit
Consumers decisions respond to stimuli. These can be conditioned by a variety of tools and, pursuant to them, alter tastes and preferences. The poor attention of consumer law on this subject, usually focused on the standards of clarity and truthfulness of advertising, neglect that consumers may be persuaded to make sub-optimal decisions. In the context of consumer credits, this can be proved observing the emphasis given by the law to the transmission of certain informational content in advertising (v.gr., the financial cost of the operation), but that, absent of a regulation that considers the problems derived from the individuals’ bounded rationality, the protective tool seems insufficient. The tendency to highlight the positive elements of consumption, displacing those that involve some degree of sacrifice, stimulate people to seek the financing for unnecessary consumption or in conditions that might be harmful, leading -in the most extreme situations- to over-indebtedness.
-
FORMA DE PAGO Y PROTECCIÓN DEL DERECHO A LA COMPENSACIÓN ECONÓMICA POR DIVORCIO O NULIDAD
La compensación económica constituye un derecho y correlativamente una obligación de origen legal que, una vez establecida, se somete al Derecho Común, propio de las obligaciones. Su titular tiene un crédito desprovisto de protección como tal. Quien debe dotar de protección al crédito de compensación es el juez, en él, el legislador radicó la tarea. El marco legal sobre su forma de pago apunta hacia esa dirección y le fija restricciones de observancia necesaria, que también los cónyuges deben acatar en sus acuerdos.
-
LA DEUDA POR OBLIGACIÓN CONSTITUIDA A TRAVÉS DE CRÉDITO CON AVAL DEL ESTADO NO CONSTITUYE EXCEPCIÓN AL DISCHARGE EN EL ORDENAMIENTO JURÍDICO CHILENO
Con base en un estudio dogmático de los fundamentos y justificaciones del fresh start y las excepciones al discharge, y tras un análisis crítico de la sentencia de la Corte Suprema, rol n.º 4656-2017, de 9 de mayo de 2017, que excluye del ámbito de aplicación del discharge de la ley n.º 20720 a todas las deudas de obligaciones contraídas a través de créditos con aval del estado, proponemos un criterio que, comprendiendo una correcta interpretación y consecuente armonización de las normas, otorga certeza jurídica a los deudores y soluciona el problema de relevancia jurídico social que el razonamiento de la Corte conlleva.