{"id":35194,"date":"2016-02-01T17:06:51","date_gmt":"2016-02-01T16:06:51","guid":{"rendered":"https:\/\/adventum.org\/ernesto\/"},"modified":"2016-02-01T17:06:51","modified_gmt":"2016-02-01T16:06:51","slug":"ernesto","status":"publish","type":"post","link":"https:\/\/adventum.org\/es\/ernesto\/","title":{"rendered":"Ernesto"},"content":{"rendered":"<p style=\"text-align: justify;\">Me llamo Ernesto, tengo 53 a\u00f1os, vivo con mi hija de 16 en la casa que con sacrificio y fuerza de voluntad consegu\u00ed construir yo mismo y sobre la que obtuve un pr\u00e9stamo para reformas hace unos a\u00f1os. Por desgracia, el a\u00f1o pasado tuve graves problemas familiares, que acabaron en un pleito, cuyo resultado a\u00fan no puedo ver. Mi \u00abnueva\u00bb situaci\u00f3n familiar es m\u00e1s dif\u00edcil de mantener econ\u00f3micamente, debo a mi ex mujer una pensi\u00f3n de alimentos y s\u00e9 que tendr\u00e9 que incurrir en m\u00e1s gastos judiciales.  <strong>El director del banco donde tengo domiciliada mi n\u00f3mina ya no puede concederme pr\u00e9stamos porque he dejado de pagar las cuotas de la hipoteca y del pr\u00e9stamo que me concedi\u00f3 hace a\u00f1os y he sobregirado mi l\u00ednea de cr\u00e9dito.<\/strong>  Quiero pagar, pero es como si nadie me esperara, nadie puede ayudarme.  <strong>He buscado en internet<\/strong> porque s\u00e9 que con un pr\u00e9stamo podr\u00eda liquidar mis atrasos y aliviarme un poco, pero no me f\u00edo&#8230; \u00bfy si me piden un tipo de inter\u00e9s demasiado alto? Segu\u00ed buscando y <strong>le\u00ed sobre el sobreendeudamiento y las posibles soluciones<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Este es, en pocas palabras, el relato de Ernesto sobre su primera cita. Es cierto, hay un desequilibrio entre ingresos y gastos, y est\u00e1n los atrasos de las cuotas del pr\u00e9stamo, el descubierto en el banco, los anticipos del empresario que siempre le ha conocido y apoyado en los momentos m\u00e1s delicados.  <strong>Calculamos juntos las salidas <i>obligatorias <\/i>y nos damos cuenta de que Ernesto est\u00e1 en un callej\u00f3n sin salida<\/strong>. En la segunda reuni\u00f3n nos inform\u00f3 de que hab\u00eda puesto en venta el coche municipal: con ese dinero pagar\u00eda el descubierto.  <strong>En ese momento, calculamos juntos que un pr\u00e9stamo en 60 meses con el que consolidar las cuotas pendientes de la hipoteca y el saldo residual del pr\u00e9stamo actual permitir\u00e1 a Ernesto equilibrar de forma sostenible su salario y sus deudas.<\/strong><\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\"><strong>Ernesto busc\u00f3, no se detuvo tras el no de su banco, y no fue a zonas donde se conceden pr\u00e9stamos f\u00e1cil y r\u00e1pidamente. Inform\u00e1ndose sin desanimarse, encontr\u00f3 la informaci\u00f3n adecuada para reescribir la historia de los problemas que le aquejaban.<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Me llamo Ernesto, tengo 53 a\u00f1os, vivo con mi hija de 16 en la casa que con sacrificio y fuerza de voluntad consegu\u00ed construir yo mismo y sobre la que [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":34206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[203,200],"tags":[224,218,222,216,229,227,225,220],"class_list":["post-35194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-historias-de-usura","category-noticias","tag-cuotas-hipotecarias","tag-deudas","tag-endeudamiento","tag-ingresos-es","tag-prestamos-bancarios","tag-riesgo-de-desgaste","tag-salidas-obligatorias","tag-sobreendeudamiento"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/adventum.org\/es\/ernesto\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura\" \/>\n<meta property=\"og:description\" content=\"Me llamo Ernesto, tengo 53 a\u00f1os, vivo con mi hija de 16 en la casa que con sacrificio y fuerza de voluntad consegu\u00ed construir yo mismo y sobre la que [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/adventum.org\/es\/ernesto\/\" \/>\n<meta property=\"og:site_name\" content=\"Fondazione Adventum - Solidariet\u00e0 Antisura\" \/>\n<meta property=\"article:published_time\" content=\"2016-02-01T16:06:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"848\" \/>\n\t<meta property=\"og:image:height\" content=\"566\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alberto Olivucci\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alberto Olivucci\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/\"},\"author\":{\"name\":\"Alberto Olivucci\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/#\\\/schema\\\/person\\\/45793d704605cc3bd90c09ed07a629f7\"},\"headline\":\"Ernesto\",\"datePublished\":\"2016-02-01T16:06:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/\"},\"wordCount\":385,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/adventum.org\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/Ernesto.jpg\",\"keywords\":[\"cuotas hipotecarias\",\"deudas\",\"endeudamiento\",\"ingresos\",\"pr\u00e9stamos bancarios\",\"riesgo de desgaste\",\"salidas obligatorias\",\"sobreendeudamiento\"],\"articleSection\":[\"Historias de usura\",\"Noticias\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/\",\"url\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/\",\"name\":\"Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/adventum.org\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/Ernesto.jpg\",\"datePublished\":\"2016-02-01T16:06:51+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/#\\\/schema\\\/person\\\/45793d704605cc3bd90c09ed07a629f7\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#primaryimage\",\"url\":\"https:\\\/\\\/adventum.org\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/Ernesto.jpg\",\"contentUrl\":\"https:\\\/\\\/adventum.org\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/Ernesto.jpg\",\"width\":848,\"height\":566,\"caption\":\"Ernesto\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/ernesto\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/adventum.org\\\/es\\\/inicio\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ernesto\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/adventum.org\\\/es\\\/\",\"name\":\"Fondazione Adventum - Solidariet\u00e0 Antisura\",\"description\":\"Prevenzione usura e indebitamento da prestiti\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/adventum.org\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/adventum.org\\\/es\\\/#\\\/schema\\\/person\\\/45793d704605cc3bd90c09ed07a629f7\",\"name\":\"Alberto Olivucci\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g\",\"caption\":\"Alberto Olivucci\"},\"url\":\"https:\\\/\\\/adventum.org\\\/es\\\/author\\\/alberto-olivucci\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/adventum.org\/es\/ernesto\/","og_locale":"es_ES","og_type":"article","og_title":"Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura","og_description":"Me llamo Ernesto, tengo 53 a\u00f1os, vivo con mi hija de 16 en la casa que con sacrificio y fuerza de voluntad consegu\u00ed construir yo mismo y sobre la que [&hellip;]","og_url":"https:\/\/adventum.org\/es\/ernesto\/","og_site_name":"Fondazione Adventum - Solidariet\u00e0 Antisura","article_published_time":"2016-02-01T16:06:51+00:00","og_image":[{"width":848,"height":566,"url":"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg","type":"image\/jpeg"}],"author":"Alberto Olivucci","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Alberto Olivucci","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/adventum.org\/es\/ernesto\/#article","isPartOf":{"@id":"https:\/\/adventum.org\/es\/ernesto\/"},"author":{"name":"Alberto Olivucci","@id":"https:\/\/adventum.org\/es\/#\/schema\/person\/45793d704605cc3bd90c09ed07a629f7"},"headline":"Ernesto","datePublished":"2016-02-01T16:06:51+00:00","mainEntityOfPage":{"@id":"https:\/\/adventum.org\/es\/ernesto\/"},"wordCount":385,"commentCount":0,"image":{"@id":"https:\/\/adventum.org\/es\/ernesto\/#primaryimage"},"thumbnailUrl":"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg","keywords":["cuotas hipotecarias","deudas","endeudamiento","ingresos","pr\u00e9stamos bancarios","riesgo de desgaste","salidas obligatorias","sobreendeudamiento"],"articleSection":["Historias de usura","Noticias"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/adventum.org\/es\/ernesto\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/adventum.org\/es\/ernesto\/","url":"https:\/\/adventum.org\/es\/ernesto\/","name":"Ernesto - Fondazione Adventum - Solidariet\u00e0 Antisura","isPartOf":{"@id":"https:\/\/adventum.org\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/adventum.org\/es\/ernesto\/#primaryimage"},"image":{"@id":"https:\/\/adventum.org\/es\/ernesto\/#primaryimage"},"thumbnailUrl":"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg","datePublished":"2016-02-01T16:06:51+00:00","author":{"@id":"https:\/\/adventum.org\/es\/#\/schema\/person\/45793d704605cc3bd90c09ed07a629f7"},"breadcrumb":{"@id":"https:\/\/adventum.org\/es\/ernesto\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/adventum.org\/es\/ernesto\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/adventum.org\/es\/ernesto\/#primaryimage","url":"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg","contentUrl":"https:\/\/adventum.org\/wp-content\/uploads\/2016\/04\/Ernesto.jpg","width":848,"height":566,"caption":"Ernesto"},{"@type":"BreadcrumbList","@id":"https:\/\/adventum.org\/es\/ernesto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/adventum.org\/es\/inicio\/"},{"@type":"ListItem","position":2,"name":"Ernesto"}]},{"@type":"WebSite","@id":"https:\/\/adventum.org\/es\/#website","url":"https:\/\/adventum.org\/es\/","name":"Fondazione Adventum - Solidariet\u00e0 Antisura","description":"Prevenzione usura e indebitamento da prestiti","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/adventum.org\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/adventum.org\/es\/#\/schema\/person\/45793d704605cc3bd90c09ed07a629f7","name":"Alberto Olivucci","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5cafbd7d2bacd2399f5ea80ec49590403847a0bbf2c0276b4c78342eab911729?s=96&d=mm&r=g","caption":"Alberto Olivucci"},"url":"https:\/\/adventum.org\/es\/author\/alberto-olivucci\/"}]}},"_links":{"self":[{"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/posts\/35194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/comments?post=35194"}],"version-history":[{"count":0,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/posts\/35194\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/media\/34206"}],"wp:attachment":[{"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/media?parent=35194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/categories?post=35194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adventum.org\/es\/wp-json\/wp\/v2\/tags?post=35194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}