{"id":1015,"date":"2026-09-21T17:25:51","date_gmt":"2026-09-21T17:25:51","guid":{"rendered":"https:\/\/www.libreverdad.com\/cobro-judicial\/"},"modified":"2026-09-21T20:18:09","modified_gmt":"2026-09-21T20:18:09","slug":"cobro-judicial","status":"publish","type":"page","link":"https:\/\/www.libreverdad.com\/es\/cobro-judicial\/","title":{"rendered":"Cobro Judicial: Cobro de Deudas en Costa Rica"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Page Title Section&#8221; _builder_version=&#8221;4.27.0&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#313e47 0%|rgba(49,62,71,0.5) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#313e47&#8243; background_color_gradient_end=&#8221;rgba(49,62,71,0.5)&#8221; background_image=&#8221;https:\/\/www.libreverdad.com\/wp-content\/uploads\/2022\/10\/justice-lady.png&#8221; custom_padding=&#8221;120px||120px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Page Title&#8221; _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;Prata||||||||&#8221; header_font_size=&#8221;60px&#8221; header_line_height=&#8221;1.4em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;820px&#8221; module_alignment=&#8221;center&#8221; animation_style=&#8221;fade&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Cobro Judicial: Debt Collection in Costa Rica<\/h1>\n<p>The proceso monitorio, the five days that decide it, and what makes a debt actually collectable.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;70px||60px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What cobro judicial is<\/h2>\n<p>Cobro judicial is the court process for collecting a debt in Costa Rica. It is not a collection agency and it is not a negotiation. It is a lawsuit, filed in the civil courts, built on a document that already proves the debt exists. In Guanacaste these files run through the courts in Liberia, Santa Cruz and Nicoya, depending on where the debtor lives or where the assets sit.<\/p>\n<p>Almost all of them start as a proceso monitorio. Since the Codigo Procesal Civil, Ley 9342, came into force in October 2018, the monitorio replaced the older procedure under the Ley de Cobro Judicial, and the timetable changed in a way that matters to both sides.<\/p>\n<h2>The monitorio, and why the first five days decide most cases<\/h2>\n<p>A monitorio starts when the creditor files the claim together with the document that proves the debt. If the court is satisfied the paperwork is in order, it issues a resolucion intimatoria: an order telling the debtor to pay the principal and interest claimed. The debtor is then notified.<\/p>\n<p>From notification the debtor has five working days to pay or to file an opposition. Under the old law it was fifteen. That single change is why so many debtors lose these cases without ever arguing the merits. By the time they have found a lawyer and gathered their receipts, the window has closed.<\/p>\n<p>If no opposition is filed in time, the order becomes enforceable and the case moves straight to execution. There is no trial, no hearing, and no later opportunity to raise a defence that existed on the first day.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;LV Image&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;0px||35px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; max_width=&#8221;820px&#8221; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/i0.wp.com\/www.libreverdad.com\/wp-content\/uploads\/2026\/07\/header-cobros-judiciales-v2.png?fit=1024%2C597&#038;ssl=1&#8243; alt=&#8221;Judicial debt collection in Costa Rica: acting early on a cobro judicial claim&#8221; title_text=&#8221;Judicial debt collection in Costa Rica: acting early on a cobro judicial claim&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; border_radii=&#8221;on|6px|6px|6px|6px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;24px&#8221; box_shadow_spread=&#8221;-6px&#8221; box_shadow_color=&#8221;rgba(49,62,71,0.25)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;30px||30px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What you need before you can file<\/h2>\n<p>A monitorio needs a titulo ejecutivo, a document the law already treats as proof of the debt. In practice that usually means one of these:<\/p>\n<ul>\n<li>A pagare or a letra de cambio, signed, with a due date that has passed<\/li>\n<li>A mortgage or a prenda registered against property or a vehicle<\/li>\n<li>A certified accounting statement, where the contract provides for one<\/li>\n<li>A written contract stating an amount and a payment date<\/li>\n<li>Invoices the debtor accepted<\/li>\n<li>A final judgment that was never paid<\/li>\n<\/ul>\n<p>What you cannot start a monitorio with is a verbal agreement, a WhatsApp thread about an amount, or an invoice the other side never accepted. Those debts are still collectable, but they go through an ordinary claim first to establish that the debt exists, which is slower and costs more. The quality of your paperwork on the day you lend the money decides which of those two roads you are on years later.<\/p>\n<h2>What the debtor is allowed to argue<\/h2>\n<p>Opposition in a monitorio is deliberately narrow. The law limits it to a short list:<\/p>\n<ul>\n<li>That the document is false<\/li>\n<li>That the obligation is not due or not enforceable<\/li>\n<li>Payment, proved in writing<\/li>\n<li>Prescription<\/li>\n<\/ul>\n<p>Nothing else gets in at this stage. The work was bad, we had an arrangement, he owes me as well: none of those stop a monitorio, however true they may be. They belong in a separate claim. This is the part that surprises debtors most, and the part creditors most often fail to take advantage of.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;LV Image&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;0px||35px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; max_width=&#8221;820px&#8221; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/i0.wp.com\/www.libreverdad.com\/wp-content\/uploads\/2026\/08\/05-conciliation-stalled.jpg?fit=1024%2C683&#038;ssl=1&#8243; alt=&#8221;A couple and their attorney wait at a meeting table with an empty chair and a face-down phone after conciliation stalls.&#8221; title_text=&#8221;A couple and their attorney wait at a meeting table with an empty chair and a face-down phone after conciliation stalls.&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; border_radii=&#8221;on|6px|6px|6px|6px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;24px&#8221; box_shadow_spread=&#8221;-6px&#8221; box_shadow_color=&#8221;rgba(49,62,71,0.25)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;30px||30px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Embargo: freezing something worth taking<\/h2>\n<p>An embargo is a court-ordered attachment. It can be requested over bank accounts, salary, vehicles, registered property and, in the right circumstances, shares in a company. Against registered assets it is annotated in the Registro Nacional, which means the debtor can no longer sell or mortgage what is attached without dealing with you first.<\/p>\n<p>Timing decides everything here. A debtor who sees a claim coming will move what he can, and a company whose only asset was a lot in Guanacaste can be an empty shell by the time judgment arrives. It is usually the embargo, not the judgment, that makes a debt collectable.<\/p>\n<h2>Remate: the auction at the end<\/h2>\n<p>If the debt is still unpaid once execution begins, attached assets go to a court auction. The asset is valued, the auction is published, and the proceeds are applied to principal, interest and costs. Property rarely reaches market value at a remate, which is one of several reasons settling before the auction usually suits both sides, and why a creditor holding an embargo has far more leverage to settle than one who does not.<\/p>\n<h2>Prescription: the clock nobody is watching<\/h2>\n<p>Commercial rights and the actions that enforce them generally prescribe in four years under article 984 of the Codigo de Comercio. Ordinary civil obligations run longer. Once prescription has run it becomes one of the four grounds a debtor can raise, and it ends the claim.<\/p>\n<p>Prescription can be interrupted, under article 986, by filing, by notification, by a partial payment, by a written payment arrangement, or by an effective embargo. A debtor who pays a little now and then, or signs an arrangement to buy time, restarts the clock without realising it. A creditor who waits quietly does the opposite.<\/p>\n<h2>Unpaid rent is a different process<\/h2>\n<p>Rent arrears run through a monitorio arrendaticio rather than the ordinary money monitorio, and the grounds of opposition are their own short list: payment proved in writing, prescription, that no obligation to pay rent exists, and that the term has not expired. It can be combined with eviction. If you own a rental on this coast, the lease you sign at the start does more work here than anything available to you afterwards.<\/p>\n<h2>If you are the one being collected from<\/h2>\n<p>Being served with a monitorio is not the end of the argument, but it is a five-day argument. Read the resolution, find the date you were notified, and have the file looked at that week. There are real defences: a document that was altered, a payment made in cash where the receipt was never kept properly, an amount that includes interest nobody agreed to, a claim that prescribed years ago. Every one of them is lost by silence.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;LV Image&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;0px||35px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; max_width=&#8221;820px&#8221; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/i0.wp.com\/www.libreverdad.com\/wp-content\/uploads\/2026\/08\/01-family-decides-to-act.jpg?fit=1024%2C683&#038;ssl=1&#8243; alt=&#8221;An anonymized foreign family and a female attorney stand between a completed guesthouse and an unfinished coastal home in Guanacaste.&#8221; title_text=&#8221;An anonymized foreign family and a female attorney stand between a completed guesthouse and an unfinished coastal home in Guanacaste.&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; border_radii=&#8221;on|6px|6px|6px|6px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;24px&#8221; box_shadow_spread=&#8221;-6px&#8221; box_shadow_color=&#8221;rgba(49,62,71,0.25)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;30px||30px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What it costs, and when it is worth doing<\/h2>\n<p>Costs in a cobro judicial are made up of personal costs and procedural costs, and a successful claim normally has them awarded against the debtor. That does not make the process free, and it does not make every debt worth chasing. Before filing we look at three things: whether the document you hold will support a monitorio, whether the debtor has anything worth attaching, and whether the amount justifies the road. When the answer is no, we say so.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;We Advise You On&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#8abc1c&#8221; custom_padding=&#8221;60px||60px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; max_width=&#8221;1000px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;40px&#8221; header_2_line_height=&#8221;1.4em&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What we handle in collection matters<\/h2>\n<ul>\n<li>Proceso monitorio dinerario on pagares, letras de cambio and written contracts<\/li>\n<li>Mortgage and prenda execution<\/li>\n<li>Precautionary and prejudicial embargo<\/li>\n<li>Asset searches before a claim is filed<\/li>\n<li>Remate and the distribution that follows it<\/li>\n<li>Monitorio arrendaticio for unpaid rent, with or without eviction<\/li>\n<li>Defence against a monitorio inside the five-day window<\/li>\n<li>Opposition on prescription and on payment already made<\/li>\n<li>Enforcement of judgments that were never collected<\/li>\n<li>Negotiated settlement with an embargo already in place<\/li>\n<li>Debt recovery for foreign creditors with a debtor in Costa Rica<\/li>\n<li>Review of loan and sale documents before you lend or deliver<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Case Stories&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;20px||70px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;32px&#8221; header_2_text_color=&#8221;#313e47&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Cases from this side of the work<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;19px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.7em&#8221; border_width_top=&#8221;4px&#8221; border_color_top=&#8221;#8abc1c&#8221; custom_padding=&#8221;18px|0px|0px|0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><a href=\"https:\/\/www.libreverdad.com\/blog\/breach-of-contract-costa-rica\/\">Breach of Contract: He Paid $25,000 for Nothing<\/a><\/h3>\n<p>He paid USD 25,000 for a Guanacaste lot he could never register. How a cadastral overlap, a probate case and a breach-of-contract suit got the money back.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;19px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.7em&#8221; border_width_top=&#8221;4px&#8221; border_color_top=&#8221;#8abc1c&#8221; custom_padding=&#8221;18px|0px|0px|0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><a href=\"https:\/\/www.libreverdad.com\/blog\/contractor-fraud-costa-rica\/\">Contractor Fraud in Costa Rica: Getting It Back<\/a><\/h3>\n<p>A contractor took USD $120,000 and abandoned the build. How a civil claim and a criminal fraud complaint filed in parallel recovered the money in Guanacaste.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;19px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.7em&#8221; border_width_top=&#8221;4px&#8221; border_color_top=&#8221;#8abc1c&#8221; custom_padding=&#8221;18px|0px|0px|0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><a href=\"https:\/\/www.libreverdad.com\/blog\/debt-collection-lawsuits-in-costa-rica-why-acting-early-matters\/\">Debt Collection Lawsuits in Costa Rica<\/a><\/h3>\n<p>Cobro judicial in Costa Rica: why a debt collection claim gets harder the longer you wait, and what the monitorio process actually involves.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;19px&#8221; header_3_line_height=&#8221;1.4em&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.7em&#8221; border_width_top=&#8221;4px&#8221; border_color_top=&#8221;#8abc1c&#8221; custom_padding=&#8221;18px|0px|0px|0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><a href=\"https:\/\/www.libreverdad.com\/blog\/landlord-and-tenant-rights-in-costa-rica-what-both-sides-should-know\/\">Landlord and Tenant Rights in Costa Rica<\/a><\/h3>\n<p>Landlord and tenant rights in Costa Rica under the Ley General de Arrendamientos: deposits, notice, rent increases and eviction.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#f7f7f7&#8243; custom_padding=&#8221;70px||60px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Common questions about cobro judicial<\/h2>\n<h3>How long does a cobro judicial take in Costa Rica?<\/h3>\n<p>If nobody opposes, the order becomes enforceable within weeks of notification. What takes time is collecting: locating assets, obtaining the embargo, the valuation and the auction. Expect months rather than weeks for an uncontested file, and considerably longer where there is opposition or the debtor has nothing attachable. Anyone who gives you a firm date at the first meeting is guessing.<\/p>\n<h3>Can I collect a debt in Costa Rica if I live abroad?<\/h3>\n<p>Yes. You do not need to be resident or present. You do need a valid power of attorney and documents that work as a titulo ejecutivo here, which is worth checking before assuming a loan agreement signed in another country will serve as it stands.<\/p>\n<h3>The debtor has no money. Is there any point?<\/h3>\n<p>Sometimes. People without cash often have registered assets: a vehicle, a lot, a share in family land. An asset search before filing tells you whether there is anything worth attaching, and it costs a fraction of a claim.<\/p>\n<h3>He signed a pagare years ago. Is it too late?<\/h3>\n<p>It depends on the date and on whether anything interrupted prescription. Commercial actions generally prescribe in four years, but a partial payment or a written arrangement restarts the clock. Bring the document and the record of anything he paid.<\/p>\n<h3>I was served with a monitorio. What do I do first?<\/h3>\n<p>Find the date you were notified and count five working days. Whatever else happens, the opposition has to be filed inside that window. Bring the resolution and every receipt, message or transfer record you have.<\/p>\n<h3>Can I attach his property before he sells it?<\/h3>\n<p>That is what a precautionary embargo is for, and it is normally requested with the claim rather than afterwards. Once an embargo is annotated in the Registro Nacional, the asset cannot change hands cleanly.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA Section&#8221; _builder_version=&#8221;4.27.0&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#313e47 0%|rgba(49,62,71,0.85) 100%&#8221; background_color_gradient_start=&#8221;#313e47&#8243; background_color_gradient_end=&#8221;rgba(49,62,71,0.85)&#8221; custom_padding=&#8221;70px||70px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;760px&#8221; module_alignment=&#8221;center&#8221; header_2_font=&#8221;Prata||||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Holding a pagare nobody is honouring, or served with a monitorio this week? Send us the document.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.libreverdad.com\/contact\/&#8221; button_text=&#8221;Talk to the office&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.0&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#313e47&#8243; button_bg_color=&#8221;#8abc1c&#8221; button_border_width=&#8221;12px&#8221; button_border_color=&#8221;#8abc1c&#8221; button_border_radius=&#8221;0px&#8221; button_letter_spacing=&#8221;2px&#8221; button_font=&#8221;|700||on|||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;70px||60px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Related pages<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.libreverdad.com\/litigation\/\">How litigation works in Costa Rica<\/a><\/li>\n<li><a href=\"https:\/\/www.libreverdad.com\/corporate-law\/\">Corporate and business<\/a><\/li>\n<li><a href=\"https:\/\/www.libreverdad.com\/areas-we-serve\/\">Where we work<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Body Section&#8221; _builder_version=&#8221;4.27.0&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;70px||60px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_2_font=&#8221;Prata||||||||&#8221; header_2_font_size=&#8221;34px&#8221; header_2_line_height=&#8221;1.35em&#8221; header_2_text_color=&#8221;#313e47&#8243; header_3_font=&#8221;Prata||||||||&#8221; header_3_font_size=&#8221;21px&#8221; header_3_line_height=&#8221;1.45em&#8221; header_3_text_color=&#8221;#313e47&#8243; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"font-size:13px;color:#7a7a7a;text-align:center\">Informacion general, no constituye asesoria legal. \/ General information, not legal advice. Case accounts on this site are anonymized and published with consent. Past results do not guarantee a future outcome.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cobro Judicial: Debt Collection in Costa RicaThe proceso monitorio, the five days that decide it, and what makes a debt actually collectable.What cobro judicial is Cobro judicial is the court process for collecting a debt in Costa Rica. It is not a collection agency and it is not a negotiation. It is a lawsuit, filed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","advanced_seo_description":"How cobro judicial works in Costa Rica: the proceso monitorio, the five days to oppose, embargo, remate and prescription. Litigation lawyers in Guanacaste.","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","footnotes":""},"class_list":["post-1015","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/pages\/1015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/comments?post=1015"}],"version-history":[{"count":3,"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/pages\/1015\/revisions"}],"predecessor-version":[{"id":1057,"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/pages\/1015\/revisions\/1057"}],"wp:attachment":[{"href":"https:\/\/www.libreverdad.com\/es\/wp-json\/wp\/v2\/media?parent=1015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}