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Mortgage

A judge of the Audiencia Provincial de Navarra has run a mortgage delinquent with payment of the property in question, although the bank was demanding more money for the depreciation of the property in recent years.
The formula chosen by Judge Francisco José Goyena that contradicts the Mortgage Law associations consumers and have called for reform because UI benefits in excess of the bank. The judge attributed to the crisis caused by "the mismanagement of the financial system," the depreciation of the estate, thus releasing the complainant to pay the remainder except the interest.

The judge based his decision on the bank appraised the house at 75,900 euros when he gave credit to his client in 2007 and auctioned the house when running the mortgage pricing in 2009 declined to 42,895 euros. In his view, the drop in value, the bank requires compensation, raises "a reflection at least morally unsettling." The judge justified the BBVA (entity that awarded the loan) is covered by law "to apply what they ask for" and therefore is not abusing his client, but stated that other than the affected paying the brunt of the depreciation of the building about pricing, 2007 .


The ruling was cited by the Consumers and Users Organization has asked for "several months" a mortgage-reform legislation that allows the "lieu of payment." That is, the client can not afford to pay the mortgage debt to pay off the delivery of housing, as regulated in France and the U.S..

UI parliamentary group in the Congress prepares an initiative in this regard after the federal coordinator of the match, Cay Lara, last November would raise this as one of his proposals to end the crisis. The

banks say the English Mortgage Law has more guarantees than France or the U.S. that have led to the junk loans originating in the global financial crisis.

Defaults on mortgages have multiplied in recent years. In the first three quarters of 2010, foreclosures skyrocketed to 71,333, according to data collected by the General Council Judicial Branch. The upward trend indicates that the annual count defaults last year exceeded 100,000 cases. Protagonist of the crisis


Judge auto editor dated December 28 BBVA attributed to a role in the banking crisis as "part of the protagonists of the financial system and why it is especially painful that the argument justifies claim is based on circumstances that essentially and as they say has caused a great sensibility and an awkward one. "

The bank said it would appeal the decision before the Constitutional Court "because the BBVA think that this sentence violates the constitutional principle of protection effective judicial referred to in Article 24 of the Constitution. "
source: publico.es

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Delivering Floor Auction Cars, Motorcycles & Vans, City of Barcelona

The City of Barcelona , and more specifically its Department of Finance will proceed to public auction March 24, 2011 in a total of 41 vehicles found between cars, motorcycles, mopeds or vans, as well as subsequent direct adjudication of vehicles not allocated in the auction, for 18th May 2011.

The test vehicle can be made from day 28 February Monday to Saturday from 9 am to 12 h. i 16 h to 19 h in the municipal finance departments. until the day before the auction, municipal deposits.
The constitution of the deposit will be held from March 8 until the day before the auction, Monday through Friday from 9:15 pm to 11:30 h. And the price of adjudication income from March 25 and within 15 days of the auction, Monday through Friday from 12:00 h. to 14:00 h. on the 2nd floor of the Municipal Institute of Finance.



The process for performing the steps below to participate in direct adjudication of the day starting from May 2, 2011.
the phone information is: 93 402 38 02 (Monday to Friday from 08:30 to 14:00).

http://www.bcn.cat/hisenda/es/informacio_subhastes.html

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innovative ideas in public governance in

light just saw the latest issue of PUBLIC, the newsletter of the Institute of Governance and Public Management ESADE. As always with a handful of academic publications, events IGDP and Public Management Club, articles for teachers, and how not joke Forges.






I have selected three articles that I liked more than this number. If you have occasion to take a look I hope you serve.

What is governance?
The language of "governance" has spread rapidly among academics and practitioners during the last thirty years. This language clearly refers to the ongoing public sector reform. Governance may refer to changes in the nature and role of the public sector, a shift from bureaucracy to markets and networks. You can also refer to a comprehensive reform program that addresses such diverse concerns as poverty, social inclusion, fair trade and sustainable environments. But what is governance and how it differs from the government? These are some of the questions I tried to solve while writing The Sage Handbook of Governance.

Differences between public and private sector. Revisiting the myth

Is it different public and private sector? Or rather, when do they differ? And what is even more importantly, what interest is apart? To answer these questions, we conducted a review of the literature on the differences between public and private sector published during the past two decades. The analysis is presented below. Governance

public sector organizations: challenges and insights


The movement of New Public Management (NPM) has changed the public sector organization in the world. Specialization within large bureaucracies monolithic has led to the creation of autonomous agencies with one goal and a proliferation administrative system, which requires changes in the forms of control.

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Auction Jewelry, Arts & Watches SalaRetiro for this year

Retirement Board begins the year with the first of its ten auctions devoted to Jewels . During the days 24, 25, 26 and 27 January 2011, Sala Retiro (Avenida Menendez Pelayo, 3, 5, Madrid) has more than 2,500 jewelry whose prices are adjusted and designed so that one do a good selling price and buying as well.
In Retirement gems are identified by name and imitations like colored stones or ornamental stones so that the client has no hesitation in purchasing a lot. In diamond there is no doubt, shows well its authenticity. The catalogs

specified if it is an authentic piece, whether synthetic or glass, it is essential to maintain prestige, the documentation must be clear loophole should not leave any doubt.
every month except July and August provide a wonderful opportunity to acquire jewelry at unbeatable prices.



In these ten auctions must be added four other extraordinary auctions held in March, June, October and December which we usually see great pieces of jewelry along with works of art, paintings, decorative arts and furniture.
source: revistadearte.com

Calendar: https: / / www.salaretiro.com / salaRetiro / static / pdf / calendario.pdf

https: / / www.salaretiro.com/

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PUBLIC Justice Reform

Among the activities of the Club Public Management at ESADE in Madrid , celebrated last Thursday night a dinner conversation with the Minister of Justice, Francisco Caamaño, under the title: "Modernization of Justice, a reform strategy."

To talk about a subject which promised to find a minister who very pleasantly surprised me: quiet person, kind, friendly, discreet. A media profile but not very suitable to drive a complex public policy that takes so many years trying to make their way to the intereres crossfire in the diverse tribes that comprise them.

These were the main topics discussed at a conference so complete that (courtesy of the minister) is prefaced nearly half an hour longer than stipulated. Just began his opening speech Minister asking: why is it so difficult to reform the justice? First, because it is an administration with so much tradition in which there is an independent branch (the judiciary) that by its very nature (being as objective as possible) tends to put away the rest. Moreover, given the particularity of power (executive) serves another power. To this is added structural complexity by the existence of various organs, each with its own legal nature: CGPJ, Attorney General, Justice Administration (CCAA dependent in many cases).

His prescription: work, work and more work. Quiet as a basis for dialogue. He gave as an example of what is being done with deep organizational reform involves the introduction of the new model Judicial Office, which, though embodied in a law for years had to put underway. In that are. The aim is that the judge engaged in other tasks to try and leave the court headed by . Is groundbreaking because it involves ending the legacy of centuries ago, and have to start almost from scratch (eg creating new RPTs that do not exist).

At the macro level, major organizational reform is the reorganization the first instance. The current social courts, commercial, civil ... 1, 2, 3 .... are replaced by lower courts with different thematic sections. There will be a president and a staff of judges, of course, but the issues will the Tribunal, come into him and he will meet with the judge touching, removing the custom assignment today so that complicates things as basic as managing substitutions.

As technology minister is aware of its importance, both as regards "to PCs" but the cultural exchange involved . The goal is to have tried without paper (the National Court is almost ready to get it), and the media will be there, but they really are, people who are inside and out have to really internalize it and change their routines. Be achieved time savings of 35-40% in the current processes that will lead to the economy (a system of justice is slow economic freezer). But new legal problems are solved on the fly. For example, what if a judge makes a personal copy of a car to take you home and you lose a part?.

Another strategic line is to ensure that matters come before the courts unless . For example, opening up other avenues of conflict resolution. In Spain there is no culture of mediation and arbitration; change will be one of the objectives of the legislation is being prepared. Mediations will be mandatory before a judge and will facilitate the arbitration by professional prestige, not necessarily lawyers. Fewer issues will the Supreme Court so that it can focus on what you play, mix doctrine.

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day public Ethics and Values \u200b\u200bfor

organized a year ago from the Public Management Club Alumni ESADE in Madrid an event entitled " public ethics and values \u200b\u200bfor Governance "in the round table they shared Jordi Sevilla (the former minister of government) and José Antonio Marina (the philosopher and educator). The reference to hang in your day you can find here.

Time has passed and thanks to the collaboration of the Chair of Leadership and Democratic Governance ESADE has published a book of that activity, which includes the full transcript of everything that she said. It was a really interesting session with two speakers relavancia for his knowledge of the material and intellectual dimension.

From this blog available to all of you that publication, for those interested you can read it in stride as if you had attended live and live to the day. I can download it here.

Linkedin Group of ESADE Alumni Public Management Club

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End of Season Celebration Amphitheater

After a beautiful and very busy season in the hall Antonio Acevedo Hernandez UCINF University, and after the unfortunate suspension of the last performance by the accident of our colleague Martin Muñoz, to which we send all our strength and newen to recover quickly from the smack ... we're going to Valparaiso, on Saturday 22 at the Teatro Mauri, under the Eighth Meeting of the Independent Theatre Porteño.

hope to see all the friends and colleagues who have not seen the show to enjoy the end of this season.

After this function tiles to keep until March.

See you there ....

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University

As discussed in a previous post , Leon skeptics we go to the pub also we want to commit suicide. But do not be scared, we will eating too much sugar ... Well, no ... low sugar ... rather what we do with a grain of sugar dissolved in, say, 1000 gallons of water. (Change you lactose sugar if diabetic, and vice versa if you are intolerant to the latter). because that is what homeopathy, right?

reproduce below the press release we have provided the organizers of 1023ES :

"Overdose" against homeopathy homeopathic

Activists for the rights of consumers throughout Spain have announced their intention to "commit suicide" by taking an "overdose" of homeopathy as part of a global mass protest against these alternative remedies.

On February 5, protesters in several English cities ingest entire boxes of homeopathic pills to sensitize public opinion that homeopathic remedies are completely ineffective and, moreover, pressure on pharmaceutical and other health actors to ensure that products sold as medical treatments really work.

Fernando Frias, a spokesman for the group, said: "Most people do not know that the homeopathic pills are no natural remedies that are not made with medicinal plants. In fact, even the homeopaths recognize that your pills contain nothing but water and sugar.

We are organizing this protest to show that these "bad calls, medicines are of no use and therefore should not be part of medical treatment from anyone. Homeopaths and pharmacists should not be selling these fake medicines to people with real diseases. Are a waste of time and money. "

The protest is organized by different groups of skeptics, rationalists and rights of consumers in support of the Bell 10:23, a global protest against homeopathic remedies originated in the United Kingdom. Similar events take place simultaneously in more than a dozen countries around the world, including United States, Germany, Australia, Holland, Belgium, Hungary, Argentina and Canada.

Michael Marshall, coordinator of the international campaign, said "We want to show that there is a growing feeling that we have already invested too much time and money on homeopathic remedies.

In the 200 years of existence of these treatments has never been any evidence that they work, and because there are more than sugar and water, it is impossible for them to do what the homeopaths say they do.

billion is spent per year on these treatments ineffective, when they say what they really are, and how they make, most people are surprised that continue to sell to an audience not adequately informed. "

La Campana 10:23

was launched a year ago in the UK, with nearly 400 protesters taking part in homeopathic overdose across the country protesting the statements of the main British pharmacy chain Boots, which had justified the sale of homeopathic pills "because customers buy them, not because they are effective" .

The bell is named after the Avogadro number a scientific constant that expresses the number of existing molecules in one mole of any substance that serves to demonstrate that many homeopathic potions do not contain any active ingredient, and that it contain what are in such low doses that can never produce any effect.

Although some may argue that there is nothing dangerous in dispensing sugar pills, pharmaceutical or medical personnel to support the efficacy of homeopathic treatments have serious consequences. In addition to undermining the confidence of public opinion in health services can be encouraged to seriously ill patients to look at homeopathy as an alternative to real medical care.

A sad example is that of Gloria Sam, just nine months, who died in 2002 because of infections caused by eczema than their parents decided to treat with homeopathy. Recently, an investigation conducted by the BBC has shown homeopaths travelers trying to provide their preparations for use as ineffective substitute for real medicine against malaria , and even they offered homeopathic alternatives to vaccines . 10:23

Challenge aims to get the support of more than 1023 people in over 10 countries and 23 cities during the February 5, 2011.

If you are in Leon on February 5 and you want to kill myself for a good cause, You can join in this overdose web form. If you have any questions, you contact our mailing list or you may contact me directly .

If you are not going to be in Leo at that time, but want to commit suicide also you can contact the organization through its 1023ES Facebook group, its mailing list or even Twitter, and they will tell you if there is any organized suicide in the city or nearby. Happy

suicide at all!

Updated : we finally committed suicide in the Plaza de Regla (where the lyrics to LION), at 10:23 am. In this event Facebook can confirm attendance.

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Governance Management does not open closed

yesterday knew that the law of transparency and free access of citizens to information held by government is not part of the legislative calendar government between now and the end the legislature next year. Straight Talk: I was in the drawer and the drawer will stay until who knows when.

is bad news for everyone with conviction defend the need for open government. But hardly surprising . The bill takes months round and round by the various businesses affected but without a real political will to take it forward. And therein lies the crux of the matter: to advance the Open Government is required a combination of strong political commitment (to materialize on impulse) and an administrative apparatus prone to climate change.

Unlike some autonomous regions like the Basque neither seem to exist at the level of central government. In the first case exists for that particular hand, a regional president in his speech tangible decisions that include creating an organizational structure that supports this policy and the establishment specific measures for coordination, communication, etc., and secondly, an Administration, with the vices of all, but younger and flexible it is able to accompany the process.

level State General Administration of open government policy has not failed. Just not existed, as I reported in previous occasions. Electoral promises and empty words that some seem to excite have resulted in little or nothing, and how little has been to relegate the few instruments of transparency and accountability exist as the State Agency (AEVAL).

But make no mistake, the political level is not all powerful, requires an administrative apparatus that digest their choices and the implant, not to mention the numerous times that initiatives in the emerging political agendas of the various administrative layers in a bottom-up process that is little known to those who have not worked in the public. To move to an AGE as unlikely in this sense, anchored for years and years in autism, it takes a lot of momentum and good. That simply does not exist.

This is the issue, the government does not gel abierno central level and in this post I tried to bring some of my views. You'll have a few more. Sure.

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Banesto Bancacario Sector Alert on the next wave of foreclosures

makes a serious warning about foreclosures saying that instead of declining, the threat of brick on the financial sector are gigantic. Despite the horrendous effort made by banks to get rid of the housing stock that have accumulated during the crisis, the accounts are still not out.
At least those of Banesto, the best barometer of the evolution of domestic banks by virtue of his pure English bank.

Following the new requirements of Bank in Spain, the bank owned by Santander has released its real estate exposure and verse. And the figures leave no doubts: the total portfolio of properties of bank had soared 28% in twelve months to 2,950 million. In addition, the new product entry reaches 1.082 million compared to the 431 outlets and generated sales losses are still around 20%.

The result is inconclusive. Although home sales have grown by 48% in 2010, continues to enter much of the real estate product that leaves -1.082 million, compared to 431 million, losses arising from their sale are held, the discounts will continue at 20% - and Given the anticipation of CEO Jose Garcia Cantera - "2011 will be very similar to 2010" - the immediate future is not rosy.



Therefore, the entire sector has much to paddle to reach the shore that allows ease the heavy load of bricks. Especially if you consider that 2009 was the worst year of the crisis for the English property sector. But apparently seen, its impact threatens to be very durable.

That year, Banesto closed with a total property portfolio of EUR 2.299 million, of which 1,265 were acquired property to developers in exchange for debt. That is, first home, a priori less difficult to put on the market.

in 2010, has more than doubled the number of this type of asset that enters the Banesto stock of last year. That is, the situation remains dire and promoters have to swap debt for their best assets. This year many of the property affected by the crisis have to refinance its debt, so that experts expect a flood of new houses in the portfolios of financial institutions.

On the contrary, he is much more stable the number of awards by judicial -597 000 000 compared to 681 last year, mainly second-hand housing generally medium or low quality. In this segment, sales have increased more than three because of price discounts that have been much more aggressive. Stock

6,000 homes

After selling 3,000 units of its own stok in 2010 and help the promoters to which financed during the boom to sell another 7,000 last year -Through its portals housing and commercial-Banesto teams facing 2011 with a portfolio of housing between 5,500 and 6,000 flats.

This contrasts with the reduction in irrigation construction and real estate sector in the balance of bank , falling from 17.4% to 13.3% and stood at 10.354 million euros. Since 2007, the bank has reduced its risk by 42.7% promoter.

As for doubtful debts related to the brick, totaled 1,670 million euros. If you add the 1,076 million substandard credit, which may come in arrears, total non-performing loans could rise to 2.746 million euros.
source: noticias.lainformacion.com

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We also commit suicide Interesting blog on Medicine

I found this blog through the website of the James Randi Foundation.

http://www.sciencebasedmedicine.org/

Toca almost all issues "controversial" where the pseudo attempt to infiltrate l Medicine.

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Judicial Auction Elche - Attorneys Distinguished School -

the Bar of Attorneys of Elche has on its website a very interesting website about judicial auctions that occur in the courts of the town on all types of goods .

offer extensive information on auctions including the property description, location, file number, court, prosecutor's information including address and phone pricing., Etc. ..

Definitely a bit more to the provision of information on the auctions to develop in all types of government, hopefully gradually expand this wonderful such information.

http://www.icpelche.com/home_subastas.aspx?menu=5

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10 keys of the information society in 2010, also for the AAPP

this week published the latest report The Information Society in Spain 2010 prepared by the Fundación Telefónica . It is a precise analysis that gives a complete analysis of all variables that affect the state of the IS in our country.

Believe it or not the environment in which they operate our Administration is increasingly affected by these trends . Is inevitable. Therefore, a vital aspect for people who have responsibilities in the public is beginning to understand these changes. I know many of which are among the Authorities, who deal daily with the antithesis of such issues, what I say will sound like science fiction. But time to time.

The 10 keys on the state of SI in Spain that the report's authors considered are:

1. The ICT sector is committed to innovation to overcome the crisis. By dint of repeating seem obvious, but it is not. In general, there is much discourse about innovation but little private investment. The ICT sector, by its very nature, is conducive to innovation. Whereby 85% of its business has increased investment in innovation is an important fact.


2. Mature people are incorporated into the IS. Inclusion in the cyber segments of the population least likely to use ICT is a key strategic area of \u200b\u200bthe SI pulse. It is encouraging that people aged 45-64 years using more Internet and indexes grow more than half of society. The digital literacy is a challenge for everyone, especially for general government.


3. born on internet of things. More than 2 million machines are connected to the Internet, an increase of almost 20% last year. A world of possibilities in fields such as measurement and diagnosis is immense. Healing can be the gateway of M2M in the public sector.


4. The mobile internet is triggered. Mobile broadband is growing almost 60%, while fixed at 8%. The presence and location concepts are blurred further enhancing social interactions. Administrations will have to be positioned in this new scenario.


5. The video dominates Internet traffic. is no doubt that the visual is the most attractive. Infrastructure must adapt as your sizing based on data. The relationship and communication patterns should put more emphasis in this channel and who knows if we can finally have such direct public attention to video on a mobile device.


6. Open Data movement begins. There are already many initiatives in this regard from various government ( Basque Government, Generalitat, Barcelona City Council ). The obligation to make available to society rightful data is emerging.


7. April 3 Cloud computing companies employ . Gone are taking advantage of the cloud to incorporate enhancements in an agile and cost savings in hosting equipment, applications and data. The challenge is that public authorities and it will incorporate voices are suggesting is that long .


8. Portable devices revolutionizing the world of publishing. tabs, ebooks, etc.. have been the big news this year is the environment for the digitization of content that until now have been marginalized.


9. e- The English authorities between the world's best . And we must be very proud of it. As to supply the English data are excellent. The eID card is a reference model. The problem is the use and exploitation of its possibilities for reorganization internt, increased efficiency and cost savings. The range here is vast. Redefining


10. of the European and English in 2010 . The European Digital Agenda driven during the English presidency aims to promote ultra-fast broadband infrastructure, safeguard the openness of the network, encourage cloudcomputing while interoperability of broadband or digital public services. Spain has raised the 2011-15 strategy Avanza 2 plan, some of whose aims are geared to public sector: promoting ICT innovation processes in the AAPP, spread ICT in health and social welfare increase use advanced digital services,

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On January 10th CELEBRATION is presented in the amphitheater of Llongocura, within Talca. Teatropello Thank you for the invitation and all the guests arrived. Soon, we will share the stage with our partners, first in the First Quarter Festival Theatre and then the Chimba in Independent Theatre Meeting Valparaiso 2011.

Soon more information.

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Vehicle Auction and Real Estate in City Hall Zaragoza

Zaragoza City Council has called for next January 20 direct adjudication of vehicles and property seized, and for the day January 26 public auction of assets of similar type.

direct award of property is made up of 6 properties, including flats, and storage, 4 cars, 1 motorcycle and 3 motorcycles. Bids may be submitted until January 20, 2011, until 12 hours in a sealed envelope in units situated in Via Hispanidad Collection No. 20 (Building Seminar.)

Public Auction which consists of a housing, four vans, three cars and three motorcycles, will take place in Seminar Room 1, located at Vía Hispanidad Zaragoza 20, Jan. 26 at 12 noon.
vehicles can be visited during the days 15.17 and 19 in the Municipal Deposit located at C / Miguel Servet 199 from 10:00 to 12:00 and from 16:00 to 18:00.
For any doubt please call 976 723 900.

http://www.zaragoza.es/ciudad/encasa/hacienda/subastas.htm

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Justice, silent reform

Start the new year and with it comes the time to resume activity on this blog and in the public blogosphere. Every day we hear of reforms: employment, pensions, financial sector, etc. But is going on tiptoe reform that affects a fundamental public service: the modernization of the Administration of Justice.

is not the first time it is implementing a strategy of modernization of justice. We are not going very far. In 2001, government (PP) and opposition (PSOE) signed a Pact for Justice that included an ambitious plan of initiatives, some of which ended up getting (mainly legislative changes). But the pact remained a dead letter and got the change of government. A new government that remained and even today manteniene a good level of budgetary allocation. Finally, the reform policy was formalized in Strategy for the Modernization of Justice 2009-2012 from which we have spoken on this blog several times .

The truth is that change is occurring at the level of judicial organization (office) or the design of technological solutions and integrated (eg paperless office), legislative changes (procedural law), etc. .. I'm afraid I will not be enough: real challenge is changing the culture of diverse groups, with a strong identity and a way of doing things "for many years." And this is not easy: of little use the enormous effort and investment if the official end of the day just to print the piece of paper to put it in your file.

These and other issues raised by this channel you please discuss in a dinner-debate that from the Club Public Management have organized ESADE in Madrid with the Minister Francisco Caamaño justice on 20 January.

A difficult challenge of reforming the justice, but necessary.

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how the Judicial Auction - Explanation Beginners -

Unfortunately, given the current economic crisis, are increasingly fashionable judicial auctions of goods, both movable and immovable.

who has more and some less experienced in their own flesh a judicial or at least it can be afraid of suffering in the future. Each time it costs more to pay the bills flat, car, furniture ...
But despite what might appear, is not always lost in a judicial sale is more, knowing how they work, you can win. A lot. And even if we are debtors, recover the good that we have seized.

Let's do a quick summary of how these auctions. In case you want to go to them, I recommend further information consult the Code of Civil Procedure.
For starters, distinguish between real estate and personal property. The former refers to houses, flats, offices, plots, etc. and the latter to machinery, furniture, artwork, cars, motorcycles, commercial vehicles, etc.


Once we identified the right to buy (or regain) our people in the place of auction. To bid on them, interested parties must meet three requirements: Log sufficiently, declaring that they know the general and special conditions of the auction and present the proof of having made the appropriate deposit (or have submitted a bank guarantee) in the Account Deposit and Consignment of the court. The amount of this deposit shall be 20% of the appraised value of property securities and 30% for real estate.

The creditor also may be part of the auction, if there are more bidders, and bids can be improved to make them. In addition, you will not post the bond to bid. (NOTE THIS IS VERY INTERESTING TO PRACTICE WHAT I LIKE MORTGAGE CHRISTENING THE CATALAN AND AVOID LIABILITY WITH OTHER DEBTORS. IN ANOTHER POST TO EXPLAIN THE CATALAN MORTGAGE.)
Movable
.
As with all auctions, the person providing the greatest amount of goods will be those who are awarded this auction. Auction procedures will depend on whether the best is above or below 50% of the appraised value of property.

If the best offer is less than 50% of the appraised value, the court will approve the award (technically called shot) for the highest bidder. This will have ten days to settle the amount offered, and may even pay in installments.

If the best offer is less than 50% of the value of the property, the debtor may file a third party (within 10 days) to submit a bid of more than 50% of the property value or even lower at least sufficient to pay the debt to the creditor (which exceeds the best offer). Thus, the debtor (indirectly) gets good and pays debt to the creditor. The latter can also benefit from the auction go to offer for the good the amount owed. Thus, it could be for less than 50% of the amount of the appraisal.

If neither the debtor nor the creditor chose to take these actions, the highest bidder will be good if you provided more than 30% of the value of the property, or whenever the amount offered is sufficient to cover the debt and costs .

Finally, if the best happens to be less than 30% of the value of the property and is not sufficient to cover the debt, will the court who decides whether to approve that bid or not.

And what happens if no bidders or the bid is lower 30% and the court rejects it?
Well, the creditor may claim the award of either the 30% of the appraised value or the amount owed for all items. If no interest and no offer, the court shall lift the embargo.

Eye: If at any time prior to the allotment and delivery of goods to the highest bidder, the borrower cancels the debt by paying the creditor the principal, interest and costs, property seized shall be released and become the property the debtor (or exdeudor in this case).


Real Estate.

The procedure is almost like the property, except by the percentages, instead of 50% becomes 70% and 30% instead of 50% of the valuations.

Another form of auctions that are having a boom in electronic auctions are due to its significant advantages, allowing monitoring and participation, with total security over the Internet. It facilitates the presence of holding public auctions, extending the public all information relating to judicial auction procedures and reduces the impact of auctioneers (possible agreement on the price of the goods and possible pressure on those who do not accept agreement not to interfere in the auction. In other words, the typical "thugs" operating, usually in collusion with the court).

Through this Auction Portal Judiciary Ministry of Justice can follow both the auctions you can bid on the Internet as those in which only one can participate in person.

order to participate as bidders in electronic auctions just have to be a registered user of judicial auction site, for which will require a digital certificate if you register on line or you can bring to the court and in register Auctions Units are attached to the electronic auction system.

can find more information about auctions or many other financial and tax issues in the Risk and Delinquency blog. Also interesting websites and blog Ranki-public auctions.
You know: if you have some money available and find a good opportunity ... Bid for it!
source: practicajuridicayempresarial.blogspot.com