Have you been registered with a risk center, such as Infocorp or Sentinel, for failing to pay your financial obligations on the established date? In case you have a debt that exceeds your current payment capacity, it is advisable to go to the corresponding financial institution to request a refinancing process.
In private credit bureaus, the statute of limitations period for debts ranges between 2 and 5 years. However, the situation is different in the case of Superintendency of Banking, Insurance and AFP (SBS).
When are debts prescribed?
La República interviewed Cristian Cáceres, a lawyer from the San Martín de Porres University, to answer the question about the debts in it Finance system. “A prescription means that your creditor can no longer legally collect from you,” commented the master in public management.
“Debts with entities or companies in the financial system expire after 10 years,” the expert revealed.
According to Cristian Cáceres, it is possible to eliminate these debts from the systems. “A debt That it is prescribed does not mean that it never existed. If for some ethical or moral issue I want to pay it, I can do so. As it is a legal issue that now becomes impossible to collect, you can request before the S.B.S. and these systems that eliminate once they are prescribed, but this is not an automatic procedure,” he explained.
What does the Civil Code say regarding prescribed debts?
The Civil Code stipulates a period of 10 years for the prescription of debts. These cannot be claimed judicially. However, it is important to highlight that this period does not affect the visibility of the debt in the Risk Center of the Superintendency of Banking, Insurance and AFP (SBS)the record of the debt it keeps.
Where can the Superintendency of Banking, Insurance and AFP (SBS) assist me?
Below, we share the service offices of the S.B.S. in Lima.
San Isidro
- Address: av. May 2nd 1475
- Schedule: Monday to Friday from 8.30 am to 5.00 pm
- To see the map of the San Isidro headquarters, click HERE
San Borja (Indecopi Office)
- Address: 104 De La Prosa Street
- Schedule: Monday to Friday from 8.30 am to 1.00 pm-2.00 pm to 4.30 pm
- To see the map of the San Borja headquarters, click HERE
San Isidro (Table of Parties)
- Address: av. Second of May 1511
- Schedule: Monday to Friday from 8.30 am to 4.30 pm
- To view the parts table map, click HERE.
What is SBS?
The S.B.S., or Superintendency of Banking, Insurance and AFP, is a regulatory and supervisory entity of the financial, insurance and private pension system. Its main objective is to ensure the stability, solidity and correct functioning of these sectors, protecting the interests of consumers and promoting competition. In addition, it ensures the transparency of operations and adequate risk management of the entities under its supervision.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
