Procedure for Voluntary Payment Requests in Coactive Processes at Banecuador Public Bank (Original)

Abstract

The study addressed the need to optimize the speed of the coercive process within BanEcuador B.P., specifically at the initiation of the procedure through the Voluntary Payment Requirement. The relevance of the issue lies in the delays associated with this process, which affect the efficiency of collection efforts. The general objective of the research is to develop a regulatory proposal that provides higher levels of efficiency and contributes to a consistent and sustainable improvement in the issue of judicial notification through digital means for voluntary payment requests. The methodology employed included empirical methods such as observation, focus groups, measurement, and bibliographic and documentary review. The theoretical framework utilized approaches such as the Lege Ferenda Method, legal exegesis, analysis-synthesis, and comparative law. The proposal consisted of expanding Article 271 of the Organic Administrative Code, which would allow for the creation of a specific digital platform for notifying voluntary payment requirements. This platform would facilitate obtaining digital contacts from debtors, such as verified email addresses and phone numbers, thereby improving communication and the effectiveness of the coercive process in its preliminary phase. In this way, it seeks to ensure an agile and efficient procedure for managing debt within BanEcuador B.P. It is concluded that the work and proposal have full acceptance for modifying and creating the digital platform within BanEcuador B.P., as it would represent a viable opportunity to execute these processes.