Infonavit: How to prevent a judicial process if I have up to 9 monthly payments due?

The Institute of the National Housing Fund for Workers (Infonavit) offers the possibility of avoid legal proceedings for overdue paymentswhich may be due, among other things, to the loss of employment and decreased income.

The foregoing, in the event that a person comes to present between four and up to nine overdue monthly paymentswithout the intervention of an administrative or judicial authority.

The alternative in case of debit of monthly installments in the credit, Infonavit has as a solution a neutral and impartial mediator to find the best way out credit payment.

How to request a mediator for debit of monthly installments with Infonavit?

Mediation is a service provided in the social collection of Infonavit, which aims to provide personalized treatment that makes it easier for Infonavit and the borrower to find a solution so that he can catch up on his payments and avoid future problems with his credit. that may put your assets at risk.

Mediation is carried out in meetings or sessions, in which the mediator intervenes to help Infonavit and the borrower reach an agreement that allows them to find a solution to the payment of debts and credit regularization.

As we have mentioned in other informative notes of The Truth News, The mediation process is free for the borrower and is available in all Infonavit offices in the country.

Some benefits of mediation are:

• The treatment is personalized.
• Promotes a cordial relationship between Infonavit and the borrower.
• It facilitates the dialogue between Infonavit and the borrower, and makes it possible for the Institute to better understand the particular situation of its borrowers, in order to reach better agreements.
• It is confidential.
• Solutions and agreements are made voluntarily between Infonavit and the borrower, without the need for an administrative or judicial authority to intervene to impose a resolution.
• It requires less time and financial resources than other administrative or judicial procedures.

What does the procedure consist of?

When the borrower is a candidate for the mediation service, they will receive an invitation to attend the mediation session.

Also, the accredited person can directly request this service at the corresponding regional office, so that Infonavit can analyze if they are a candidate for the service and, if applicable, receive the invitation.

In the mediation session, which is conducted by a mediator, the Infonavit representative and the borrower discuss the specific conditions of the credit, so that solutions can be offered to the borrower to regularize their credit.

If the borrower accepts any of the solutions proposed by the Infonavit representative, and an agreement is reached, a mediation agreement is signed, in which the terms in which the borrower agrees to continue with the payments of his credit, and the obligation of Infonavit to respect and recognize said payments under the agreed conditions.

Once the agreement has been signed, the borrower must comply with the obligations that he voluntarily accepted, since if he does not make his payments on time and in full, he puts his home at risk, since he could initiate a judicial or adjudication procedure. of the house.

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An agreement can be signed in case payments have not been made. You must go to the collection area of ​​the entity’s Infonavit branch, where the credit was obtained, and present:

• Social Security number (SSN) or accredited number
• Copy of an official identification
• Proof of address

You can also call Infonatel (55-9171-5050 in CDMX and 800-008-3900 in the rest of the Republic) and request a visit from a certified collection advisor, who will offer the solution that suits your needs.

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