{"id":3422,"date":"2020-05-06T16:32:00","date_gmt":"2020-05-06T20:32:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/"},"modified":"2023-07-24T11:06:45","modified_gmt":"2023-07-24T15:06:45","slug":"merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/","title":{"rendered":"Merkley y Daines encabezan la campa\u00f1a bipartidista para impulsar los servicios de asesoramiento crediticio para los consumidores estadounidenses"},"content":{"rendered":"<p><b>Washington DC<\/b> \u2013 El senador estadounidense de Oreg\u00f3n Jeff Merkley y el senador Steve Daines (R-MT) encabezan un grupo bipartidista de cinco senadores que presionan al liderazgo del Senado para que incluya $700 millones en financiamiento durante dos a\u00f1os para servicios de asesor\u00eda crediticia sin fines de lucro, servicios cr\u00edticos que ayudar\u00edan a los consumidores. y las peque\u00f1as empresas con deudas evitan la bancarrota en medio de las consecuencias econ\u00f3micas de la pandemia, en la pr\u00f3xima legislaci\u00f3n de alivio del coronavirus.&nbsp;<\/p>\n<blockquote>\n<p>\u201cCon otros 4,4 millones de estadounidenses que solicitaron el desempleo la semana pasada y los l\u00edmites m\u00e1ximos alcanzados para los pr\u00e9stamos para peque\u00f1as empresas, el acceso a la asesor\u00eda crediticia ahora y despu\u00e9s de que la pandemia disminuya es posiblemente uno de los programas m\u00e1s cr\u00edticos para mitigar las dificultades financieras. Si cuentan con una s\u00f3lida financiaci\u00f3n, las agencias de asesoramiento crediticio tienen el potencial de servir como un recurso para las familias y las peque\u00f1as empresas que luchan con la p\u00e9rdida de ingresos, las facturas de las tarjetas de cr\u00e9dito, el aumento de la deuda m\u00e9dica o la posible bancarrota\u201d. <b>escribieron los senadores en su carta al l\u00edder de la mayor\u00eda en el Senado, Mitch McConnell, y al l\u00edder de la minor\u00eda, Chuck Schumer.<\/b><\/p>\n<\/blockquote>\n<p>Espec\u00edficamente, los senadores solicitaron que el Departamento del Tesoro administre los $700 millones a las agencias de asesor\u00eda crediticia, a fin de ayudarlas a incorporar y capacitar a nuevos asesores para acomodar a m\u00e1s consumidores y adquirir la tecnolog\u00eda que necesitan para realizar m\u00e1s reuniones de forma remota.<\/p>\n<p>A los senadores Merkley y Daines se unieron en el env\u00edo de la carta los senadores estadounidenses Chris Van Hollen (D-MD), Ron Wyden (D-OR) y Jon Tester (D-MT).<\/p>\n<p>El texto completo de la carta est\u00e1 disponible. <a href=\"https:\/\/www.merkley.senate.gov\/es\/download\/credit-counseling-letter-covid-19-2020\/\">aqu\u00ed<\/a> y sigue a continuaci\u00f3n.<\/p>\n<p align=\"center\">###<\/p>\n<p class=\"Default\">&nbsp;<\/p>\n<p class=\"Default\">Estimado l\u00edder de la mayor\u00eda McConnell y l\u00edder Schumer:<\/p>\n<p class=\"Default\">Mientras considera los pr\u00f3ximos paquetes de ayuda para abordar la crisis financiera en curso causada por la pandemia de coronavirus, le instamos a que apoye $700 millones en financiamiento durante dos a\u00f1os para servicios de asesoramiento crediticio sin fines de lucro en todo el pa\u00eds para ayudar a los consumidores y las peque\u00f1as empresas agobiadas por deudas no garantizadas. y para evitar la quiebra.<\/p>\n<p class=\"Default\">El asesoramiento crediticio es un recurso que gu\u00eda a los consumidores a trav\u00e9s de la incertidumbre financiera y evita la tensi\u00f3n en los canales de atenci\u00f3n al cliente de los servicios financieros. Estas agencias son organizaciones sin fines de lucro 501(c)(3) certificadas por la Oficina Ejecutiva del Departamento de Justicia para Fideicomisarios de EE. UU. y reguladas por el Servicio de Impuestos Internos, y brindan asesoramiento financiero a aproximadamente un mill\u00f3n de clientes cada a\u00f1o. En una \u00e9poca en la que se necesita el distanciamiento social para frenar el crecimiento de la pandemia de coronavirus, los asesores de cr\u00e9dito tambi\u00e9n est\u00e1n equipados de manera \u00fanica para abordar las necesidades de los consumidores de forma remota, ya que aproximadamente el 70 por ciento de las sesiones de asesoramiento se realizan regularmente por tel\u00e9fono o en l\u00ednea.<\/p>\n<p class=\"Default\">La asesor\u00eda ha demostrado ser una forma efectiva para que las familias manejen las deudas existentes y eviten la bancarrota. El asesoramiento espec\u00edfico para vivienda respaldado por el gobierno federal tuvo un impacto tremendo durante el transcurso de la Gran Recesi\u00f3n, cuando el Congreso asign\u00f3 $853 millones para el programa National Foreclosure Mitigation Counseling (NFMC) durante diez a\u00f1os, sirviendo a m\u00e1s de 2 millones de propietarios. Dado que la asesor\u00eda de vivienda sigue siendo un recurso fundamental para ayudar a los consumidores que enfrentan problemas financieros en el mercado de la vivienda y debe contar con una financiaci\u00f3n s\u00f3lida, la asesor\u00eda de cr\u00e9dito presenta otra oportunidad para ayudar a los consumidores y las peque\u00f1as empresas a administrar niveles hist\u00f3ricamente altos de deuda no garantizada, incluidos gastos m\u00e9dicos, pr\u00e9stamos estudiantiles. deuda y deuda de tarjeta de cr\u00e9dito.<\/p>\n<p class=\"Default\">Debido a la creciente prevalencia de las dificultades financieras y la incertidumbre, la Fundaci\u00f3n Nacional de Asesoramiento Crediticio (NFCC, por sus siglas en ingl\u00e9s) proyecta que sus agencias miembros prestar\u00e1n servicios a entre cinco y siete millones de consumidores. El Congreso debe apoyar a las familias de todo el pa\u00eds financiando un servicio que ampliar\u00eda en gran medida la capacidad de las agencias de asesoramiento crediticio certificadas por el gobierno federal tanto en las zonas metropolitanas como en las zonas rurales de Estados Unidos. La solicitud de $700 millones, que ser\u00e1 administrada por el Departamento del Tesoro, proporcionar\u00eda a las agencias de asesoramiento crediticio los recursos que tanto necesitan para incorporar y capacitar a nuevos asesores para adaptarse al creciente n\u00famero de clientes y reforzar la tecnolog\u00eda necesaria para realizar m\u00e1s reuniones de forma remota.<\/p>\n<p class=\"Default\">Con otros 4,4 millones de estadounidenses que solicitaron el desempleo la semana pasada y los l\u00edmites m\u00e1ximos alcanzados para los pr\u00e9stamos para peque\u00f1as empresas, el acceso a la asesor\u00eda crediticia ahora y despu\u00e9s de que la pandemia disminuya es posiblemente uno de los programas m\u00e1s cr\u00edticos para mitigar las dificultades financieras. Si cuentan con un financiamiento s\u00f3lido, las agencias de asesor\u00eda crediticia tienen el potencial de servir como un recurso para las familias y las peque\u00f1as empresas que luchan con la p\u00e9rdida de ingresos, las facturas de las tarjetas de cr\u00e9dito, el aumento de la deuda m\u00e9dica o la posible bancarrota.<\/p>\n<p class=\"Default\">Le agradecemos su atenci\u00f3n y consideraci\u00f3n.<\/p>\n<p>Atentamente,<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash; Oregon&rsquo;s U.S. Senator Jeff Merkley and Senator Steve Daines (R-MT) are leading a bipartisan group of five senators in pushing Senate leadership to include $700 million in funding over two years for non-profit credit counseling services&mdash;critical services that would help consumers and small businesses with debt avoid bankruptcy amid the economic fallout [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[47],"class_list":["post-3422","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers - Merkley<\/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:\/\/www.merkley.senate.gov\/es\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &ndash; Oregon&rsquo;s U.S. Senator Jeff Merkley and Senator Steve Daines (R-MT) are leading a bipartisan group of five senators in pushing Senate leadership to include $700 million in funding over two years for non-profit credit counseling services&mdash;critical services that would help consumers and small businesses with debt avoid bankruptcy amid the economic fallout [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-06T20:32:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:06:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers\",\"datePublished\":\"2020-05-06T20:32:00+00:00\",\"dateModified\":\"2023-07-24T15:06:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\"},\"wordCount\":691,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\",\"name\":\"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2020-05-06T20:32:00+00:00\",\"dateModified\":\"2023-07-24T15:06:45+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers - Merkley","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:\/\/www.merkley.senate.gov\/es\/merkley-daines-lead-bipartisan-push-to-boost-credit-counseling-services-for-american-consumers-2020\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley, Daines Lead Bipartisan Push to Boost Credit Counseling Services for American Consumers - Merkley","og_description":"Washington, DC &ndash; 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