Cobranza judicial, extrajudicial y costas personales: Una propuesta de sistematización en materia de derecho del consumo

This work aims to determine the existing boundaries between the extrajudicial collection of monetary debts and the judicial collection of these. To this end, it will be defended that both types of collection constitute successive stages and do not overlap temporally. Afterwards, the relevance of this distinction for the regime of legal costs will be analyzed. Specifically, it will be examined whether such costs can be conventionally agreed upon and in what cases the regulation of Law 19,496, which imposes limits on the costs of extrajudicial collection, is applicable to them.