Non-payments recognized in final judgments such as those of rents, alimony, dismissal or also those of public administrations are already reported to the financial and business system and affect the financial solvency of the debtor

In 2020, Spanish Lawyers are leading the battle against judicial arrears and are at the forefront of its digitization worldwide, providing a pioneering service that favors the right to effective judicial protection

The distribution of information through INFORMA and Experian to the financial and business system of our country manages to enforce sentences so far paralyzed in unsuccessful judicial executions and prevent future risks of non-payments

14 December 2020.– The publication in the Registry of Judicial Debtors (RIJ) of a non-payment of a maintenance allowance, a rental or sale contract or the breach by a public Administration of a payment obligation, recognized in a Firm judicial resolution, has changed the rules of the game in the Digital Age in the battle against judicial arrears.

The first and only online file of judicial delinquency in the world, created by the Spanish Lawyers, in collaboration with the state company INFORMA (subsidiary of the CESCE group), and the Japanese multinational Everis (subsidiary of NTT DATA telephone company in Japan), was has become, in just one year, an essential and necessary tool to enforce part of the more than 2.3 million sentences that annually enter pending execution in Spanish courts and tribunals.

This technological solution to solve the payment problems of clients and lawyers themselves, has raised, in his young age, more than 30 million euros of debt that, until now, was managed silently in the offices, with exponential growth in recent months.

The digitalization of the claim and consultation process, and its dissemination to the Spanish financial and business system through Informa D&B and the multinational EXPERIAN, has managed to put a stop to payment defaults and accelerate their recovery, in record time, with all the guarantees legal for the creditor and the debtor.

This revolutionary information and consultation service on judicial defaults has managed to expose the debt that until its creation was not registered in any other negative solvency file and that is now visible to everyone who has a legitimate interest in consulting it, favoring the recovery of sentences given the social pressure exerted on the debtor who has defaulted on the payment of the sentence.

In this way, thanks to this innovative technological tool, Spain is the first country in the world in which a debtor, who does not face a payment obligation, recognized in a final judicial resolution by a judge, can see how difficult it is for him to access to credit or doors are closed in its business operations.

In the same way, access to the file by lawyers allows a better knowledge of the solvency of potential clients or the opposing party, thus improving legal certainty.

The RIJ has therefore managed to provide the Spanish legal system with greater legal and financial transparency, helping to guarantee the right to effective judicial protection and warning of future risks of non-payment to reduce delinquency in our country.

After an unstoppable year, with the daily adhesion of new professional firms and Bar Associations through the signing of collaboration agreements and training seminars for their members, the RIJ concludes 2020 with a historic agreement with the multinational Experian, so that defaults by individuals and the self-employed also reach the financial and business system of the country, thus closing the circle with the dissemination since its creation, in 2019, of legal debts of legal persons through Informa D&B.

Sharing economy and BIG DATA

Its innovative business model, based on the collaborative economy and the use of BIG DATA, has placed Spanish Lawyers at the forefront of digitization at the international level in the recovery of judicial defaults, with a unique work tool in the world and leading a project that has aroused great interest at the international level, with a great reception from the country’s general and specialized media.

In their first year of life, thousands of lawyers have already verified the benefits of new technologies in claiming and consulting debts, becoming regular users of this new Lawyer service thanks to its high recovery rate. More and more success stories have seen how in less than two months they have managed to recover the money from payment procedures that had been paralyzed for years.

The three keys to your success

The secret of the success of this novel tool is summarized in three keys

  1. Use of state-of-the-art technology to solve customer default problems, in an agile, very simple and efficient way, at a very competitive price, without leaving the office or from home.
  2. Distribution of the information on the unpaid debt included in the file, being able to share this valuable information through the online platform -with all legal guarantees- thanks to its business model based on the collaborative economy and the use of the BIG DATA.
  3. For the first time in our country and worldwide, all this valuable information, in less than 30 days, is accessible to the business system and to banks and financial entities that have a legitimate interest, affecting the financial and social reputation of the debtor.

The Registry of Judicial Defaulters dismisses the year 2020 marking a before and after in the battle against judicial arrears, granting creditors greater guarantees for compliance with judicial resolutions, reinforcing and guaranteeing their right to effective judicial protection since comply with the execution of the sentence.

In the image, from left to right: Rafael Bonmati (CGAE) Eduardo Serra (everis) Victoria Ortega (president of Spanish Lawyers) Juan-María Sainz (INFORMA) y-Enrique Zarza (Icired)