Soon, Oh! empalidecerás soon you will leave this beautiful world
And you will be forgotten ... (*)
So is "oh soon," Carl Schmitt [...] you'll be forgotten ... denominios and in reality was, if not in theory, q still exists ...
Schmitt, rather than born Lionel Messi and Justin Bieber: (where is the emoticon of nausea when you need it?)
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A total of 23,443 SMEs disappeared in the period March 2010 to March 2011 , which means that small and medium businesses fell 1.8%, according to data collected by Cepyme from Social Security.
The management of SMEs found that the decrease produced in all sizes of companies, with a more pronounced fall in those with between 10 and 25 workers, which fell by 3.2% , the disappearance of 3579 companies in the twelve months ranging from March 2010 to March 2011.
templates Companies with between six and nine employees fell by 2.2%, for a total of 2,630 were forced to close their businesses, while in those between 26 and 49 workers were contracted by 2%.
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Have you thought about the list of and if customers today know your credit rating? may have in his paper-bill a time bomb that is about to explode and that can even make your business falter or fade.
tell you briefly a true and very personal experience. My wife practices medicine in private. Primarily serves patients from major medical insurance in our area, as Igualatorio Medical Asisa DKV etc. The patient points to her and receives a monthly fee they will attend or not attend. For their dedication every day with patients, could not or did not fall in the account review these inscriptions and their updated status. I warned him that should control this theme as he did not, I tried to help. Through the computer you got your lists of patients of various healthcare companies, and forced him to search each time a patient (new or old) went to his office. The surprise was great to start appearing patients who had been targeted and then left with another professional, but who came to his office (knowingly or unknowingly), and others who thought they were targeted with it for years but not really they were and to come the first time thanks to the query found listings etc status., etc. So with control over the database gradually will update the portfolio of patients. The same happened to the collection system visits: over the years, found that visits not charged because they were lost in the bureaucratic jungle.
Draw your conclusions for your business. It has many regular customers, acquaintances, which sells a long time. They were good customers, but maybe your credit is deteriorating and you do not know and do not take precautions: a tsunami is stalking your company and you will catch him incapable of reaction. Conclusion: the best an annoyance and at worst they can be ahead of even your business.
Periodically check that their customers are what they seem. It has tools for it. Get to know them. Use them. It is doing business survival
The purpose of the law on mediation, as the bill that passed by the Council of Ministers in February 2010, is to regulate a conciliation procedure simple and inexpensive, whose resolution has the same effect as sentence judicial.
will attend mandatory mediation when financial amounts are claimed not large, but not bound to reach an agreement and will always open court.
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rate loan delinquency English financial system (banks, savings banks, cooperatives and credit institutions) stood in January 2011 at 6.061% versus 5.813% the previous month.
According to data released Friday by the Bank of Spain, is the highest delinquency rate in the last 16 years, since October 1995 climbed to 6.126%.
Compared with January 2010, the delinquency has risen about 0.7 percentage points, because at that time was at 5.3%. Copying
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Management deaf to the demands of the Delinquency Act, which came into force in July 2010. In fact, last year the public sector (which is some 40,000 million euros for English companies, representing more than half of total debt) was slow in paying their bills 157 days, three more than in 2009. The figure is far from the 50 days prescribed by law.
"The Administration must stop finance by SMEs," yesterday asked Rafael Baron, president of the Multisectoral Platform Delinquency during the presentation of a survey covering the year 2010. Baron added that local governments are the most delinquent (with about 33,000 million in debt).
also noted that the legal team of the platform (which includes one million companies) is preparing a number of unpaid claims, most of them against companies in the construction sector (one of the most delinquent), but explained to elEconomista also provide action against debtors consistory. Bill
The good news is that in 2010 private companies were slow to pay 93 days, eight fewer than last year, but still exceeded the legal deadline of 85 days. A reduction in the platform is estimated that about 1,800 million euros. Pere delinquency expert Brachfield estimated private debt could amount to 30,000 million.
Of this, about 30% (about 9,000 million) will not be charged ever, according to Brachfeld. The Directors, contario that companies always end up paying, even long after the service or product sales.
Contrary to what much of the population has perceived Delinquency Act (which actually is a revised of a law of 2004) is more severe than government business. Pere Brachfield explains the new rule states that if a company reporting a delinquent public body, it must pay the amount due even before the trial.
preventive This payment is an important step. Prior to revise the law, the creditor could take up to five years trying to make him pay their bills, "says this expert, now, the standard takes into account that 90 percent of the cases the sentence will be in his favor and he anticipates the amount owed.
blackberry expert believes that the ideal would be to establish a similar system for business: "There should be preventive measures, which the debtor sufficient to arrest a heritage that once the legal process, respond to the debt." The expert believes, however, it is difficult to apply these measures, because the judges are, first, to the obligor (which in legal parlance is called in favor debitoris).
No Interest "In Spain, the vast majority of companies do not charge interest for late payment. It goes into his head to claim them," said Rafael Barón during the presentation of the report. Interests that, according to law, should be 8%.
addition, 64 out of every hundred companies current deal with customers periods exceeding those established by law, which is reportable, as the president of the Platform against NPLs. The big problem is still not established sanctions for defaulters, Baron explained that the platform says it represents is preparing a proposal in this regard. Within
receipts and payments, Spain has nothing to do with many of its European neighbors. In fact, only the Latin countries (like Portugal and Italy) have these default rates. "In other countries it is not necessary to enact a law to any or management company comes up with to stop paying, "said Baron.
As regards the most debtors, the builder is in the lead, with a ratio of 8.8%. What are the services (with a 3, 5%) and industry (2.2%). On the positive side, Rafael Baron noted that in 2010 they knew the law 93 of a hundred companies, more than double that in 2009.
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WHAT COMPANIES CAN DO AGAINST THE GOVERNMENT IN THE EVENT OF DEFAULT?
administrations have the obligation to pay within 50 days from the date of issuance of certification or completion of the contract. If they do, they must pay the creditor default interest, today, are 8% annually. Law 15/2010 has introduced a flexible and effective procedure to claim the debt, which the creditor claims payment of the administrative and, if after a month has not recovered, you can start the court claim requesting payment of interim debt. Thus, even if it was delayed several years contraratista have claimed, but many do not dare to initiate legal proceedings for fear of losing contracts. Copying
Money and Employment 15/05/2011. Interview with Peter J. Brachfield.
To [...] follow the order of their publication such that it typically had themes d'Ors, then add a 1945 article about the fictional character of the right of rhetoric (Boletim da Faculdade de Direito de Coimbra 21, 1945, pp. 337 ss.) where shows that the legal examples that appear in the Latin rhetorical sources are not real but fictional or invented precisely, but artificially, and often set in Greek circumstances. With this work, Don Alvaro came to express their skepticism _Que abandonó_ never facing one of the fashions of his time _y, in truth, I think that remains to Date_, as was to give great prestige to the theories ancient rhetoric in the development of classical law, which in 1926 had triggered the German philologist Johannes Stroux with a paper entitled Summum ius summa iniuria (Festschrift Speiser-Sarasin, 1926) on the Greek influence in the development of Roman legal science. Don Alvaro had met Stroux, who enjoyed a total authority as a philologist, but he realized that he was unable to speak Latin, despite his great learning in that language. He knew, for some opportunity, being in a German library frequented by Stroux _según narró_ me, right there appeared to visit a English philologist, also known priest of Don Alvaro, and whose name I forget, who expressed interest will be presented to Stroux, after news that her presence at the scene. The presentation, the participants realized that neither Stroux spoke Castilian, German or the priest, so the English civil law suggested that converse in Latin, assuming the Stroux Latinist could speak the language, just as the priest because of his status, coupled with a philologist. The priest agreed immediately and began the talk in Latin, but to his surprise and that of Don Alvaro, Stroux articulate and could scarcely stammer a few words, which only proved that for him the Latin was a language of texts and lacked practice, unlike the priest by virtue of his office as such. I narrate this story, because it seems fun, but not because he had some influence on the rejection of Don Alvaro to belief in a supposed influence of ancient rhetoric in the thinking of classical jurists.
To find the full text: http://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0716-54552004002600069 & ; lng = en & NRM = iso & tlng = en
Delays in payments and defaults continue to grow in 2011 at the same rate as the previous year, mainly affecting SMEs autonomous and consumers, according to Intrum Justitia in a statement.
The director general of the English subsidiary of the Swedish company, Luis Salvaterra, explained that "this upward trend in delays will once again starring as the public administration and SMEs biggest loser and autonomous."
The company points out that, according to the National Federation of Independent Workers Association (ATA), if not met, the Act would close another 100,000 Delinquency autonomous businesses in 2011, of which 25% will be the main cause of late payment.
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The Director General of the Franchise ICURIS, D. Juan Manuel Casella a summary of legislative developments affecting the management of default. This company with national and international presence advises companies of all sizes and sectors in the professional management of collections.
In the year 2010 have approved a series of legislative measures to streamline and reduce the average collection period in Spain which is the highest Europe, after Greece and Portugal. The measures affect mainly three aspects that directly affect our credit policy and collection management
1 .- VAT REFUND
shorten the time limits for bringing legal proceedings for all companies with turnover below 6,010,121.04 per year. He spends a period of one year to six months from the issue, not due, the unpaid bills. In addition to the filing of lawsuits is enabled the possibility of requiring a notary. Debts to public institutions are also included these effects. 2 .-
REFORM ACT OF DEFAULT:
The July 7 came into force the reform of the Delinquency Act, among other things, regulates the maturity of commercial bills may not exceed the following limits:
trade relations between companies or self:
85 days in 2011
75 days in 2012
60 days in 2013 and thereafter
(30 days from delivery of fresh or perishable goods)
trade relations between companies and public entities:
120 days in 2011
90 days in 2012
60 days in 2013 and beyond
(certificates of work 55, 50 and 40 days respectively from their issue)
These terms affecting contractual relationships with the public and all entities. Any clause contrary to this rule in the agreement, it shall not start from now.
3 .- JUDICIAL REFORM IN THE OFFICE:
The compendium of agreed measures and reforming the judicial offices, in order to streamline procedures and improve the effectiveness of the executions took effect, fundamentally, on May 4 and is expected to eventually be noticing more effective and efficient use of judicial resources is transferred to an improved collection results by bringing court proceedings.
The type of legal interest for the year 2011 set at 4%.
The legal interest is used for various things. Among them, from that figure APR calculates the maximum they can charge banks and savings banks for overdrafts, including commissions. As the APR may not exceed 2.5 times the legal interest, in 2011 the maximum interest rate is fixed at 10% APR.
has also been set at 5% interest for the new year. The default rate is the finance charge if you request us to postpone a tax debt or if we receive a parallel we have to pay a higher than declared in his day. And also we have paid if such overpayment and request the return of what belongs to us or if we have not received refund income tax after 31 December each year.
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The National Association of Credit Institutions is an organization created in 1957 and regulated by Law 19/1997 of 1 April on regulation right of association. functions as liaison between the government, credit institutions specialized in consumer finance, English and other European professional groups and consumers of financial products.
addition, these acronyms, also called the default file largest in Spain, managed by Equifax, which contains information about unpaid credit operations by a debtor and data historic debt.
2. What is Industrial ASNEF file?
is a file, also managed by Equifax, which contains information on lending unpaid debt between companies or banks and financial institutions.
3. What differences between the file and the file ASNEF Industrial ASNEF?
The fundamental difference lies in that it provides information ASNEF debt of individuals and companies , while Industrial ASNEF data collected business delinquency.
4. How can include a company in the Industrial ASNEF file?
Companies participating in the reciprocal f Icher can include clients when there is a debt of more than 30 days , and has been a demand for payment .
5. Do you receive any notice to be included in ASNEF ASNEF or Industrial?
Only in the case of individuals , being a requirement under the Act 15/1999 of 13 December , but not required to notify the inclusion of legal persons . The Act specifies that the question should be i inquires in writing within thirty days to exercise their right to cancel or modify. In addition, that notice must declare who has entered in the register and how much .
6. How it affects businesses and individuals to be included in the file ASNEF ASNEF or Industrial?
The information in these files is provided by the consultants as a very relevant information when making any assessment a credit operation to be performed in its commercial operations. Therefore, any natural or legal person, which is within the file or ASNEF ASNEF Industrial may be adversely affected.
Although of course, not all appearances are comparable file and not the same show with a debt of EUR 35 with 10 different notes for debts of greater value.
7. How long are the data in the file?
While the AI \u200b\u200b R (Record of Acceptance Unpaid) the stay may be up to 30 months , in the case of Industrial ASNEF ASNEF or data can be held for six years from the introduction of unfavorable information file . In both cases after payment of the debt, the information must unsubscribe .
8. How can you leave the File ASNEF and Industrial ASNEF?
The only way out of these files is paying off debt, demonstrating its non-existence , or after completing the maximum legal term of six years of tenure. For
which have included data error and demonstrated that the debt does not exist, the person concerned must submit written evidence directly to the address of the file. After that, the victim should receive a reply within 10 days.
In the case where the debtor comply with its debt, will be the creditor which it is obliged to perform the relevant operations to clear the affected file and therefore will be the entity who will have to take such action if he did.
9. Do you keep information in File Industrial ASNEF after the cancellation of the debt?
not retained any information or historical registration.
article Cristina de Gregorio de 15/10/2010 in www.informacionalpoder.com
