Professionals from Peru's Indecopi and Chile's Superir met to define joint activities following the renewal of a five-year collaboration agreement. The meeting focused on sharing competencies and changes in bankruptcy procedures within their respective entities. The alliance will facilitate technical assistance through workshops starting in April, emphasizing experience exchange, management skills, user-focused technology, process optimization, and oversight of bankruptcy and sanctioning procedures.

The Universidad Gabriela Mistral (UGM) held its first Community Engagement Fair, focusing on sustainable development, territorial relevance, and local community impact. The event featured speeches from university leaders and a panel discussion on empathy and social sensitivity, with participation from the Superintendencia de Insolvencia y Reemprendimiento (Superir). The fair concluded with recognitions and an exhibition of beneficiary stands, emphasizing UGM's commitment to social responsibility and community connection.

Officials from the Superintendencia de Insolvencia y Reemprendimiento (Superir) conducted a hybrid seminar for the Ministry Secretaría General de Gobierno, focusing on the Insolvency Law No. 21.563 and its procedures for debtors. The seminar aimed to explain the role of Superir and the development of the law. César Villarroel detailed the new simplified concursal procedures for individuals and small businesses, while Marco Lagos presented the free administrative renegotiation procedure for debtors, highlighting the requirements, necessary documentation, and stages of each process.

In Valparaíso, Chile, the Superintendencia de Insolvencia y Reemprendimiento (Superir) commemorated International Consumer Day with a Public Services Fair in Quillota's Plaza de Armas. Superir participated with an informational stand, alongside other public and private regional services. Superir's professional, Víctor Vargas, detailed the insolvency procedures under Law 21.563 for individuals or businesses facing economic difficulties. The event, organized by the Servicio Nacional del Consumidor and led by Regional Director Marcos Morales, aimed to inform residents about the range of government benefits and programs related to consumer matters. The day also reflected on consumer rights, echoing John F. Kennedy's 1962 statement that all citizens have the right to safety, information, choice, and to be heard by companies.

An agreement was signed between the Superintendente de Insolvencia y Reemprendimiento, Hugo Sánchez Ramírez, and the Delegada Presidencial Provincial de Cordillera, Alejandra Cortés Vásquez, to provide insolvency advice and support to residents of Cordillera Province. The initiative will offer monthly in-person consultations and training for local officials on insolvency procedures. The collaboration aims to make insolvency services more accessible, particularly for over-indebted individuals, and includes educational efforts to inform the public about debt renegotiation processes. The agreement is celebrated by local officials and is expected to significantly benefit the community.

On March 15, 2024, in Valdivia, Chile, the Sernac organized a Consumer Fair at Mall Paseo Valdivia to celebrate International Consumer Rights Day. The event, aimed at informing and educating citizens, was inaugurated by the Regional Minister of Economy, Alejandra Vásquez, and the Regional Director of Sernac, Alejandro Paredes. Over 15 public services participated, including the Superintendencia de Insolvencia y Reemprendimiento (Superir), which provided assistance on insolvency matters, particularly focusing on Debt Renegotiation as explained by the Regional Coordinator, Horacio Fernández.

More than 25 public institutions participated in the Consumer Fair at the Puerto Montt Bus Terminal, organized by Sernac Los Lagos, to provide guidance and address consumer inquiries. The event, part of International Consumer Day, aimed to offer comprehensive services in one location. Fernando Fuentes from the Superintendencia de Insolvencia y Reemprendimiento provided information on concursal procedures, while Luis Cárdenas, Seremi de Economía de Los Lagos, emphasized the commitment to strengthening consumer rights through the ongoing legislative project Sernac Te Protege.

Alejandro Flores, the Coordinator of the Superintendencia de Insolvencia y Reemprendimiento (Superir) in Atacama, participated in the World Consumer Day event organized by the Regional Presidential Delegation of Atacama and the National Consumer Service (Sernac). Flores discussed the Insolvency Law and related procedures to provide citizens with access to advisory services. The Regional Director of Sernac, Kurt Iturrieta, emphasized the institution's commitment to impacting consumers' lives through prevention and oversight across the region.

Sernac celebrated International Consumer Day by organizing a Consumer Fair in Coquimbo, Chile, emphasizing the importance of consumer rights and strong institutions. The event featured various services from the Protection Network, including the Superintendencia de Insolvencia y Reemprendimiento (Superir), with professionals Patricia Rojas and Marcelo Araya focusing on debt renegotiation. The initiative aims to protect consumer rights and increase public awareness of government institutions.

Two fifth-year law students from the Universidad de Santiago, Ana Grandon León and Matías Burgos Alvear, have begun a professional internship at the Superintendencia de Insolvencia y Reemprendimiento. The two-week initiative aims to familiarize students with the Superintendency's functions, particularly in the Integrated Citizen Service Platform and the Debtor Person Renegotiation Subdepartment. The internship is part of a joint work protocol signed between the two institutions, allowing law students and graduates to undertake internships or professional practices at the Superintendency.

The Superintendencia de Insolvencia y Reemprendimiento outlines the procedures for debtors and indebted companies to undergo concursal procedures, including renegotiation and liquidation, to manage their obligations. The text details the requirements for initiating these procedures and provides links for further information.

Presidents of the Communal Unions of Older Adults in Colbún participated in a financial education workshop organized by the Superintendencia de Insolvencia y Reemprendimiento, in collaboration with the Servicio Nacional del Adulto Mayor and the Municipality of Colbún. The workshop aimed to educate participants on financial instruments, prevent over-indebtedness, and improve financial planning. Key speakers included Ignacio Salas from Senama, and Verónica García and Bárbara Urrutia from Superir, who discussed alternatives to insolvency and the benefits of renegotiation procedures.

The meeting, held in Chillán Viejo, focused on various consumer rights topics, including the management of queries and complaints, consumer protection laws, and public service coordination. Javier Bethencourt from the Superintendencia de Insolvencia y Reemprendimiento explained the debt renegotiation process, highlighting that it does not require external legal assistance and typically lasts three months. The Superintendencia de Electricidad y Combustibles discussed handling electrical supply issues and compensation procedures. The event is part of Sernac's Support and Relationship Program.

Public services from Maule, including the Superintendencia de Insolvencia y Reemprendimiento, participated in a Government in the Field event in Pencahue, organized by the Regional Presidential Delegation of Maule. Verónica García, the Regional Coordinator of Superir, provided guidance on insolvency and the Renegotiation Procedure of Law 21.563, and promoted the website www.tenlaclara.cl for debt assessment. The program aims to bring state services closer to the community, addressing citizen issues and promoting institutional activities.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) participated in the MovilizaDos citizen activity organized by the División de Organizaciones Sociales at the Hospital del Salvador in Providencia. Marco Lagos from Superir emphasized the importance of informing citizens about the practical use of insolvency regulations and the Renegotiation Procedure, which is an administrative and free process facilitated by Superir to help debtors and creditors reach agreements. The DOS initiatives aim to connect the state with communities by bringing public services directly to neighborhoods, fostering closer ties between state institutions and the public.

On December 1, 2023, in Antofagasta, the Superintendencia de Insolvencia y Reemprendimiento (Superir) and the Servicios Nacional dl Consumidor (Sernac) participated in the Expo MiPymes. The event, organized by the Centro de Negocios Sercotec San Pedro de Atacama and the Servicio de Cooperación Técnica (Sercotec), was held in the town square of San Pedro de Atacama. It gathered exhibitors from the region and public services to provide advice and support to citizens. The aim was to create a space for entrepreneurs to access information from the productive promotion network and learn about government benefits to support the creation or strengthening of their businesses. The event also encouraged small and medium-sized enterprises to meet quality standards, innovate, export, and generate economic profitability to compete in a demanding market, focusing on customer needs.

A seminar and service fair for entrepreneurs and micro-business owners was organized by the Secretaría Regional Ministerial de Economía Metropolitana and the Municipalidad de La Granja at the Centro Cultural Espacio Matta. The event aimed to provide various tools to improve, develop, and enhance the competitiveness of local SMEs. The Superintendencia de Insolvencia y Reemprendimiento, represented by Marco Lagos, participated with an informational stand, explaining simplified and ordinary procedures for Reorganization and Liquidation under Law No. 21.563 and addressing economic insolvency advisors under Law No. 20.416. The event also included certifications for local entrepreneurs and talks by the Defensoría del Contribuyente and the Regional Government.

The Seremi de Economía de Biobío, in collaboration with Sercotec and Superir, conducted a workshop on legal alternatives for dealing with debt for users of Sercotec Business Centers in Cañete, Talcahuano, and Concepción. Javier Ramos from Superir explained the options for business reorganization or liquidation based on viability. Javier Sepúlveda emphasized the importance of the event for promoting the growth of micro, small, and medium-sized enterprises and cooperatives.

SMEs from Ninhue attended a financial education and productive development meeting organized by the Seremi de Economía, Fomento y Turismo de Ñuble. The event featured discussions on consumer rights and obligations, the 'Sernac Te Protege' bill aimed at strengthening Sernac, and the strategic axes of the Superintendencia de Insolvencia y Reemprendimiento (Superir). Javier Bethencourt from Superir highlighted the changes in legal procedures for Liquidation and Reorganization and promoted insolvency economic advisory services for entrepreneurs.

During the SME Week, students from the School of Law at Universidad Santo Tomás in Valdivia attended a talk on financial education and alternatives to over-indebtedness, organized by the Superintendencia de Insolvencia y Reemprendimiento, Servicio Nacional del Consumidor, and Instituto Nacional de la Juventud Los Ríos. The talk covered the new Law No. 21.563, which offers simplified procedures for SMEs and modifications to existing processes, including a free administrative renegotiation procedure. Sernac discussed basic financial concepts, planning, budgeting, saving, and credit to help students make informed financial decisions.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) and Sercotec organized a discussion for advisors and users of Sercotec's business centers in Santiago. The event, attended by around 100 people, featured key figures such as Hugo Sánchez, Cristian Rodríguez, and Viviana Aguirre. The new Insolvency Law No. 21.563, effective from August 11, 2023, was highlighted for its citizen-focused approach, aiming to reduce social and economic losses through simplified procedures and low administrative costs. The event was part of the MiPymes and Cooperatives Week, emphasizing the importance of small and medium-sized enterprises and cooperatives.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) of Aysén, led by Verónica García, conducted a free workshop titled 'Economic Difficulties in Your SME? Learn About New Simplified Insolvency Procedures for Companies.' The workshop provided information on key tools available to SMEs facing economic or solvency issues, including simplified reorganization and liquidation procedures under Law No. 21.563 and guidance on economic advisors for insolvency under Law No. 20.416. The liquidation process involves court proceedings and the sale of seized assets to pay creditors, while the simplified reorganization allows debtor companies to restructure their assets and liabilities through an agreement with creditors, supervised by the Superintendencia.

Minister of Economy Nicolás Grau inaugurated the Expo MiPymes Sercotec 2023 in Iquique, Tarapacá, which aims to foster local SMEs and will run until November 30. The event was attended by regional authorities and entrepreneurs. Estefanía Meza from Superir shared information on insolvency laws and the website www.tenlaclara.cl, which helps individuals and SMEs assess their debt situation. The Economy Seremi, Jorge Julio, emphasized the event's role in promoting competitiveness and valuable connections in the sector.

A significant event for entrepreneurship commenced in Rancagua with the 'Summit of Entrepreneurs, Micro and Small Businesses of Cachapoal,' organized by Centro de Negocios Sercotec Rancagua in collaboration with Sercotec O’Higgins, AIEP, and the Municipalidad de Rancagua. The event, part of the MiPymes Week, features workshops and live talks aimed at enhancing knowledge in business models, sustainability, consumer rights, debt, and insolvency laws. Key figures like Carlos Muñoz, Ignacio Tello, and Patricio Rodríguez emphasized the importance of financial education and legal solutions for debt management, highlighting the positive impact on small businesses and consumer protection.

The Municipality of San Clemente, led by Mayor María Inés Sepúlveda, successfully held a Citizen Plaza in the El Colorado sector, which also featured a Government on the Ground operation by the Regional Presidential Delegation of Maule. Residents accessed municipal services and regional public institutions like the Superintendencia de Insolvencia y Reemprendimiento (Superir), where professional Bárbara Urrutia informed about insolvency procedures available to debtors. These community events aim to bring government services closer to remote communities.

Around thirty people attended an informative workshop at Casa de la Cultura in San Fernando, organized by the Municipality of San Fernando's Productive Development Office, the Superintendence of Insolvency and Re-entrepreneurship (Superir), and the National Consumer Service (Sernac) during the week of SMEs and Cooperatives. Patricio Rodríguez, Regional Coordinator of Superir, discussed the benefits and requirements of laws N.º 21.563 and N.º 20.416, focusing on legal modifications and simplified procedures for small businesses. Ignacio Tello, Regional Director of Sernac, conducted a workshop on consumer rights and financial education for SMEs and micro-enterprises.

The Presidential Delegation of Arica commemorated the International Day for the Elimination of Violence Against Women with various initiatives, including dissemination, on-site government services, and community workshops. At Parque Punta Norte, officials provided information on violence prevention and assistance for women, as well as details on programs, benefits, and project applications. Superintendencia de Insolvencia y Reemprendimiento professionals Cristian Bravo and Daniela Riveros promoted the Debtors' Conciliation Procedures of Law No. 21.563, offering guidance on renegotiation and how to request the process. The day is observed annually on November 25, in memory of the Mirabal Sisters, who were assassinated in 1960 in the Dominican Republic, a date chosen by the Latin American feminist movement in 1981 to denounce violence against women globally and advocate for policies to eradicate it.

The Superintendencia de Insolvencia y Reemprendimiento participated in a government initiative in Buin, providing information on debt management procedures for individuals and companies. The article outlines the types of debtors, the available concursal procedures for renegotiation and liquidation, and the requirements for initiating these procedures.

The 2023 edition of the “La Brújula” Mentoring Program, organized by the Civil Service, concluded with positive evaluations from participants. The program aims to develop competencies among new senior public managers through guidance from experienced directors. Felipe Melo, the national director of the Civil Service, emphasized the importance of these collaborative spaces for supporting public service leaders. Natalia Barriga and Hugo Sánchez shared their positive experiences, highlighting the program's impact on knowledge transfer and professional development.

In La Unión, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, Horacio Fernández, conducted a financial education workshop for over 15 businesswomen from the Ranco Province. The event, part of the 'Activate Woman Entrepreneur' business school program led by Sercotec, focused on the benefits and requirements of Law No. 21.563, which allows individuals to renegotiate their debts through legal and accounting advice. The program aims to empower women entrepreneurs by enhancing their business skills and promoting economic autonomy.

Under a collaboration agreement between the Superintendencia de Insolvencia y Reemprendimiento (Superir) and the Delegación Presidencial Provincial de Cordillera, Superir official Marco Lagos conducted a talk on Law 21.563 for older women at the Santa Matilde Social Headquarters. The session covered the requirements, process, and benefits of requesting a Renegotiation, emphasizing the importance of knowing one's rights, especially for older individuals. The women not only learned for themselves but also to assist their group and families.

In Copiapó, students from the Liceo Técnico Profesional Héroes de Atacama received certifications in sustainable consumption after completing a series of workshops. The course aimed to educate students on the importance of resource optimization and responsible consumer behavior. Key speakers included Kurt Iturrieta from Sernac and Alejandro Flores from the Superintendencia de Insolvencia y Reemprendimiento, who emphasized consumer rights and the Renegotiation Procedure of Law 21.563. The event concluded with the distribution of certificates to the participating students.

Around twenty participants from the Women Heads of Household Program of the National Service for Women and Gender Equity in Alto Hospicio attended presentations by professionals from the Superintendence of Insolvency and Re-entrepreneurship and the National Consumer Service. The event highlighted consumer rights, tools for financial management, and opportunities for debt repayment through insolvency declarations. Key speakers included Francisca Campillay, Rodrigo Cortés Tapia, and Paulina Ávila. The program aims to enhance women's employability through skill development.

The Superintendent of Insolvency and Re-entrepreneurship, Hugo Sánchez Ramírez, along with Regional Coordinator Pablo Franco Díaz, conducted various activities in Temuco to promote the new Insolvency Law No. 21.563. The law, effective since August, introduces simplified procedures for debt renegotiation and liquidation, benefiting small businesses and individuals. The Superintendent emphasized the law's accessibility and potential to help small enterprises continue operating despite financial difficulties. The visit included meetings with local economic and academic leaders, and a public call for Araucanians to learn about the law's benefits.

The Servicio Nacional del Consumidor (Sernac) and the Superintendencia de Insolvencia y Reemprendimiento (Superir) held a discussion on consumer rights, responsible consumption, and handling insolvency for users of the Centro de Negocios de Magallanes. Participants learned about different types of credits and measures to take in case of over-indebtedness. Claudia Téllez, the Regional Coordinator of Superir, explained the debt renegotiation process, emphasizing its voluntary, administrative, and free nature. The event also highlighted Law No. 20.416, aimed at micro or small businesses facing economic insolvency.

The decentralized Economic Cabinet meeting in Río Hurtado aimed to strengthen state presence, coordinate with local authorities, and support the declaration of Río Hurtado as the National Capital of Paleontology to boost tourism and scientific development. Key participants included the Mayor of Río Hurtado, Carmen Juana Olivares, and various government representatives. The Seremi of Economy, Pía Castillo, emphasized the government's commitment to local development and support for small and medium enterprises. The Superintendencia de Insolvencia y Reemprendimiento provided detailed information on new concursal procedures and institutional goals.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) participated in a lecture as part of the 'Plan USS- Santa Juana' project, organized by students from the University San Sebastián in Concepción. The project aims to assist families affected by the February fires in the area. Javier Ramos, Regional Coordinator of Superir, discussed insolvency procedures for individuals and businesses. The event also included guidance from other institutions on various funds and programs available to formalize and enhance their work. Superir expressed commitment to helping affected individuals and businesses recover and move forward.

On October 16, 2023, in Copiapó, the Superintendency of Insolvency and Reentrepreneurship (Superir) and the National Consumer Service (Sernac) delivered a talk on financial education and debt renegotiation under Law 21.563 to members of organizations and beneficiaries associated with the Regional Service for Older Adults (Senama) of Atacama. The initiative aimed to provide older adults with legal knowledge and tools to better handle rights violations or indebtedness. Alejandro Flores, the Regional Coordinator of Superir, outlined the process and benefits of debt renegotiation, emphasizing its voluntary and free nature. Sernac focused on understanding the financial market and making responsible consumption decisions, highlighting the benefits of the proposed 'Sernac te Protege' law. The event is part of efforts to create support networks for older adults with institutional backing.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) signed a collaboration agreement with the Defensoría del Contribuyente (Dedecon) to promote and socialize Law No. 21.563 among employees and users. The agreement aims to coordinate training, information, and guidance on tax matters, and to disseminate information about taxpayer rights and duties. Superir's Superintendent, Hugo Sánchez, and the Defensor del Contribuyente, Ricardo Pizarro, emphasized the benefits of the agreement for improving services to citizens, particularly small businesses and vulnerable individuals. The Defensoría del Contribuyente, operational since February 2022, focuses on protecting taxpayer rights and providing free tax education.

Municipal officials attended a financial education session focused on managing over-indebtedness. The session covered the types of debtors, both individuals and companies, and the concursal procedures available for debt renegotiation and liquidation. The procedures aim to facilitate the efficient payment of debts, either through administrative or judicial means, depending on the viability of the debtor.

The Superintendencia de Insolvencia y Reemprendimiento (Superir), along with the Secretaría Regional Ministerial de Economía, Fomento y Turismo RM, and the Municipalidad de Pudahuel, held a public event to discuss the new Insolvency Law No. 21.563. The event, aimed at MIPEs, PYMEs, and individuals, featured a presentation by Superir's Superintendent Hugo Sánchez, who explained the new simplified reorganization and liquidation procedures. Cristian Rodríguez, the Seremi of Economy RM, emphasized the government's efforts to support small and medium-sized enterprises. Dante Maldonado, representing the municipality, highlighted the importance of entrepreneurship for economic and social development. The event concluded with a Q&A session.

The Regional Coordinator of Aysén from the Superintendence of Insolvency and Re-entrepreneurship, Verónica García, conducted a training session on new Insolvency Procedures for MIPEs and Companies under Law No. 21.563 for staff at the Sercotec Business Center in Puerto Aysén. The session covered the differences, requirements, advantages, and benefits of Simplified and Ordinary Reorganization and Liquidation Procedures, aiming to familiarize participants with the legal tools available to entrepreneurs facing insolvency. The training also addressed queries about the Economic Insolvency Advisory regulated by the Law on Reorganization or Closure of Micro and Small Enterprises in Crisis, Law No. 20.416. The Sercotec Business Center provides free technical and individual advice to small businesses and entrepreneurs in the Aysén region.

Sernac Los Lagos officials were informed about the Insolvency Law, which outlines procedures for both individual and corporate debtors. The law includes administrative and judicial processes for renegotiation and liquidation of debts. Key requirements for initiating these procedures are specified, aiming to facilitate efficient debt resolution.

The article challenges three major misconceptions about Latin America's foreign policy: its perceived homogeneity, its focus on domestic over international politics, and its lack of effective regional integration. It argues that Latin America is diverse and capable of influencing global politics despite significant challenges. Examples include Brazil's role in the BRICS bloc and Chile's stance on the war in Ukraine. The article also highlights successful ad-hoc regional integration initiatives, such as the Amazon protection alliance and the lithium triangle. It concludes that Latin America's political autonomy and soft power are crucial for its global influence.

The Superintendencia de Insolvencia y Reemprendimiento and Banco Estado, led by Marcelo Arredondo, Seremi de Economía, Fomento y Turismo de Valparaíso, visited over thirty business owners affected by a fire in Limache. María Soledad Meneses explained the concursal procedures under Law 21.563, offering tools for over-indebtedness or insolvency. The procedures allow viable businesses to reorganize and continue operations, while non-viable businesses can close formally and allow owners to restart without stigma.

Patricia Rojas, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento (Superir) in Coquimbo, conducted a talk in Ovalle to officials of the Provincial Presidential Delegation of Limarí. The session aimed to disseminate information about the new Law No. 21.563 and covered procedures for Renegotiation and Simplified Liquidation. The talk emphasized that the Renegotiation process is voluntary, free, and does not require external legal advice, provided certain conditions are met. The Superir offers monthly in-person consultations in Ovalle through a collaboration with the Delegation.

Pablo Franco, the Regional Coordinator for the Superintendence of Insolvency and Re-entrepreneurship of La Araucanía, presented at the Public-Private Advisory Council for Cooperative Development and Social Economy. The event, presided over by Cristóbal Navarro of the Ministry of Economy's Division of Associativity and Nelson Curiñir, the Regional Ministerial Secretary of Economy for La Araucanía, focused on the opportunities for individuals and small entrepreneurs to commit to debt payment through insolvency declaration. Franco discussed the insolvency proceedings under the new law No. 21.563, aiming to promote cooperatives and co-define public policies through dialogue and coordination between public and private organizations involved in this area.

The Superintendencia de Insolvencia y Reemprendimiento (Superir), represented by Marco Lagos, participated in a Plaza of Justice and Human Rights event in the Bajos de Mena sector of Puente Alto. Organized by the Seremi de Justicia y DD.HH in collaboration with the Somos Barrio program, the event aimed to facilitate access to justice for local residents. Superir provided information on financial renegotiation procedures and responded to queries about new legislation affecting small businesses and debtors. The event also featured participation from various public service organizations, including the Registro Civil, Corporación de Asistencia Judicial, and Carabineros.

Horacio Fernández, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, conducted a talk on the Renegotiation Procedures of Law No. 21.563 for beneficiaries of the 'Jefas de Hogar' and '4 a 7' programs led by the Servicio Nacional de la Mujer y la Equidad de Género. The talk focused on opportunities for individuals and small entrepreneurs to manage debt through insolvency declarations. The Renegotiation procedure, which is free, aims to provide better payment conditions, including extended payment periods, interest forgiveness, and reduced principal amounts. Participants learned about the benefits and requirements of these procedures, which are designed to empower women and facilitate their economic autonomy.

In Cabo de Hornos, the Superintendencia de Insolvencia y Reemprendimiento and the Servicios Nacional del Consumidor of Magallanes conducted an informative session for Carabineros on financial education and debt management. The session, led by Claudia Téllez and Pamela Ramírez, focused on the fundamentals of the Renegotiation Procedure under the Insolvency and Re-entrepreneurship Law, consumer rights and duties, and responsible credit use. This initiative is part of a series of talks aimed at educating police officers in the region on financial matters.

The Division of Social Organizations aims to connect the state directly with people by bringing public services to communities through the MobilizaDOS Service Fair. The latest event took place in Maipú, where various public institutions, including the Superintendencia de Insolvencia y Reemprendimiento, Chile Atiende, and BancoEstado, provided information and facilitated procedures. Marco Lagos from the Superir provided details on insolvency procedures for individuals and businesses.

The Superintendencia de Insolvencia y Reemprendimiento outlines the procedures for debtors and companies in financial distress. Individuals and companies can engage in either a Concursal de Renegociación, an administrative process to renegotiate obligations, or a Concursal de Liquidación, a judicial process for asset liquidation to pay creditors. Requirements for initiating these procedures include having multiple overdue obligations and not being notified of a forced liquidation or other executive lawsuit.

Over a hundred workers from the Los Lagos region who were employed by a well-known national construction company attended a talk on Business Liquidation led by Fernando Fuentes, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento (Superir). The talk focused on the procedures established by Law N.º 21.563 for reorganizing or liquidating a debtor company's assets and liabilities, which includes favorable benefits for workers. Fuentes addressed questions, facilitated decision-making, and informed the workers about their rights under insolvency law, legal protections, and the process for filing complaints with Superir if they believe their rights have been violated.

On September 14, 2023, in Rancagua, the Superintendencia de Insolvencia y Reemprendimiento (Superir) conducted a talk titled 'How to overcome over-indebtedness?' for over 90 officials from the Servicio Agrícola y Ganadero (SAG). The event, organized in conjunction with SAG's Welfare Subdepartment as part of their Quality of Life Plan and Family Budget Management Program guidelines, featured Patricio Rodríguez, the Regional Coordinator of Superir O'Higgins, who discussed the debt restructuring procedures under Law 21.563, including Renegotiation and Simplified Liquidation Process.

On September 12, 2023, in Iquique, the Regional Presidential Delegation of Tarapacá and the Undersecretariat for Crime Prevention organized a public square event to promote responsible celebration during the national holidays. The 'Fonda Preventiva' featured non-alcoholic drink stands, healthy food, and traditional games. Public services were invited to distribute information about their institutional work, programs, and laws. The Superintendence of Insolvency and Re-entrepreneurship, represented by Paulina Ávila and Estefanía Meza, informed about insolvency procedures under laws 21.563 and 20.416, highlighting the voluntary and free Renegotiation Procedure for over-indebted individuals.

The final session of the 'Civically Fit Citizens' cycle at Universidad San Sebastián in Santiago focused on 'Financial Education and Debt Management.' Key speakers included María Josefina Errázuriz from the Superintendencia de Insolvencia y Reemprendimiento, Pablo García from Banco Central, and Esteban Carrasco, a university lecturer. Errázuriz discussed debt resolution procedures and introduced a virtual calculator tool for responsible credit use. Luis Bates, director of the university's Center for Civic Education, emphasized the importance of leading by example in civic education.

Rodrigo Loyola and Makarena Arias invited the Superintendencia de Insolvencia y Reemprendimiento to a new Mesa Mipyme in Vallenar to discuss decentralizing the government's agenda and co-designing public policies to support small businesses. Alejandro Flores highlighted new simplified legal procedures for micro and small enterprises facing debt issues. The Ministry of Economy, Development, and Tourism's legislative team discussed ongoing legislative efforts, including public procurement modernization, consumer protection, and minimum wage subsidies.

Small businesses and representatives of trade associations in Natales participated in a training event organized by Sercotec Magallanes. Key speakers included Marlene España from the Seremi Economía Magallanes, Doris Sandoval from the Seremi del Ministerio del Trabajo Magallanes, and Claudia Téllez from the Superintendencia de Insolvencia y Reemprendimiento. Topics covered included the recent minimum wage increase, the new 40-hour workweek law, and changes to liquidation and reorganization procedures under law 21.563. Additionally, the event highlighted the free administrative procedure for debt renegotiation available to individuals.

The Cordillera Delegation is conducting a citizen operation to inform individuals and businesses about debt management procedures. The article outlines the types of debtors, the concursal procedures available for both individuals and businesses, and the requirements for initiating these procedures. It emphasizes the administrative and judicial processes involved in renegotiation and liquidation of debts.

The Superintendencia de Insolvencia y Sernac Coquimbo outline the benefits available to consumers in debt, detailing the procedures for both personal and business insolvency. These include the Concursal de Renegociación, an administrative process for renegotiating obligations, and the Concursal de Liquidación, a judicial process for liquidating assets to pay creditors. The text also specifies the requirements for initiating a Concursal de Renegociación and the ways to start a Concursal de Liquidación.

The article provides detailed information on how individuals and businesses in Arica can renegotiate their debts under the Insolvency Law. It outlines the types of debtors, the procedures available for renegotiation and liquidation, and the requirements for initiating these procedures. The Superintendencia de Insolvencia y Reemprendimiento facilitates these processes, aiming for efficient debt resolution.

A Service Fair was held in Coyhaique, Aysén, organized by the regional direction of Sernac to strengthen consumer rights. Key participants included Francisco Ortiz, Felipe Rojas, Nelly Vargas, and Verónica García. The event aimed to provide direct and focused attention on consumer interests, with the presence of various consumer protection institutions. President Gabriel Boric's signing of a new law empowers Sernac to sanction companies that violate consumer rights.

The 'Sernac te Protege' bill was signed in Antofagasta, aiming to empower the National Consumer Service (Sernac) to impose sanctions on companies that violate consumer rights. The regional directorate and the Seremi of Economy, María Teresa Véliz, hosted a launch event for the new Sernac Strengthening Law Project. Claudia Gaona, Regional Coordinator of the Superintendence of Insolvency and Re-entrepreneurship (Superir), provided assistance on over-indebtedness and the tools available under Law No. 21.563, highlighting the benefits of the Renegotiation Procedure.

Fernando Fuentes, the Regional Coordinator of Superir Los Lagos, conducted a workshop on Financial Education and Legal Alternatives to face Overindebtedness for users and staff of the Centro de Negocios Sercotec Chiloé in Quellón. He discussed the requirements, benefits, and profiles of individuals who have utilized the legislation, and introduced the Renegotiation procedure available to individuals facing overindebtedness. Additionally, he highlighted that since August 11, the new Insolvency Law offers simplified procedures for micro and small businesses to find legal solutions to financial crises.

Authorities in Tarapacá celebrated the signing of the 'Sernac Te Protege' bill, which aims to address consumer issues by mandating companies to establish customer service channels and respond to complaints. The event featured various officials, including the Regional Director of Sernac, Rodrigo Cortés, and the Regional Coordinator of the Superintendence of Insolvency and Re-entrepreneurship, Paulina Ávila, who provided guidance on the new Insolvency Law No. 21.563.

Authorities in the O'Higgins region announced the Sernac Te Protege bill aimed at strengthening consumer rights. Key figures, including the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, the Presidential Delegate of O'Higgins, and the Seremi of Economy, emphasized the importance of the bill in providing better tools for consumer protection. The bill seeks to empower consumers by ensuring they are aware of their rights and can exercise them effectively.

Following the signing of a bill to strengthen and modernize Sernac, the Ñuble region held a public services fair in Chillán's Paseo Arauco. Key participants included Seremi of Economy, Development, and Tourism Erick Solo de Zaldívar, and Regional Director of the National Consumer Service Ñuble, Félix Mercado. The bill aims to establish efficient complaint management by companies. The Superintendence of Insolvency and Re-entrepreneurship (Superir) also participated, providing information on debt renegotiation processes.

Hugo Sánchez Ramírez, the Superintendent of Insolvency and Re-entrepreneurship, visited the Coquimbo region to introduce the new Law No. 21.563 to local economic and judicial authorities, guilds, and entrepreneurs. He participated in a citizen dialogue to inform about the benefits of the new insolvency law and conducted a lecture in collaboration with the Internal Revenue Service and the University of La Serena. The new law aims to simplify procedures for small businesses and individuals, with significant changes like the Simplified Reorganization and Simplified Liquidation processes. The visit also included a protocol meeting to strengthen the collaboration between the University of La Serena and the Superintendence.

The Servicio Nacional del Consumidor de Atacama, in collaboration with social organizations and public institutions, organized an informative fair in Copiapó to educate citizens about consumer rights and duties. The event featured various public services, including the Superintendencia de Insolvencia y Reemprendimiento, which provided information on the new Insolvency Law No. 21.563. Alejandro Flores, the Regional Coordinator of Superir, emphasized the importance of protecting consumer rights and engaging with the community. The fair aimed to deliver direct information and address queries and complaints from the public.

Horacio Fernández, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, conducted an informative workshop for officials of the Municipality of Lanco. The session focused on the benefits and requirements of Law 21.563, which offers various procedures for individuals, MIPEs, and companies facing insolvency. The law aims to save viable businesses, reduce processing times, and provide benefits for workers, while allowing individuals to renegotiate their debts through a voluntary and free administrative process.

A collaboration between the Superintendencia de Insolvencia y Reemprendimiento, the Servicio Nacional del Consumidor, and the Prefectura de Carabineros de la Región de Magallanes has initiated a series of financial education talks aimed at police officers in Primavera, specifically Cerro Sombrero. The initiative aims to educate officers on responsible consumption and debt management, with plans to extend the training to other communes in the region. Claudia Téllez from Superir presented key financial procedures, including renegotiation and simplified liquidation processes.

The new Insolvency Law No. 21.563, effective from August 11, 2023, introduces simplified procedures to help over-indebted individuals and small businesses reach payment agreements with creditors. The law aims to reduce social and economic loss through quick, low-cost procedures, incentivizing debtors' re-entry into the credit system, increasing credit recovery rates, promoting debt restructuring, and facilitating processes. Additionally, a new subsidy for MIPYMEs is available until April 2025, encouraging businesses to apply for benefits to meet minimum wage goals without financial strain.

Pablo Franco, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, delivered a lecture to the Commercial Law II class at the Universidad de La Frontera about the new Insolvency Law No. 21.563, focusing on the Renegotiation procedure. He explained that individuals facing over-indebtedness can approach the Superintendencia to renegotiate their debts, with the institution acting as facilitators. The new law, effective from August 11, extends renegotiation to those issuing fee slips, previously considered businesses. Since 2017, the Superir and UFRO have collaborated to promote the Insolvency Law through joint academic activities and internships.

On August 23, 2023, in La Unión, officials including the Provincial Presidential Delegate of Ranco, Alejandro Reyes, and the Regional Minister of Economy of Los Ríos, Alejandra Vásquez, provided training to female entrepreneurs on the new Law of Reorganization and Liquidation of Companies and Persons, No. 21.563. The law introduces simplified procedures for individuals and small businesses, encourages reentry into the credit system, increases credit recovery rates, and promotes debt restructuring. The new procedures aim to preserve viable businesses, maintain employment, and avoid supply chain disruptions. The law also extends renegotiation options to those with high debt levels, including those who issue fee receipts, allowing them more options than just liquidation.

The Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, Javier Ramos, presented the main functions and features of the new Insolvency Law No. 21.563 to officials and users of the Fundación para la Promoción y Desarrollo de la Mujer (Prodemu) in Los Ángeles. The presentation highlighted opportunities for individuals and small entrepreneurs to manage debt through insolvency declarations, detailing the benefits and requirements of the Concursal Procedures for individuals and companies.

The Superintendencia de Insolvencia y Reemprendimiento (Superir) is conducting training sessions for the Servicio Nacional del Consumidor (Sernac) to improve service referral protocols. The training, led by Fernando Fuentes, focused on new concursal procedures under Law No. 21.563, highlighting their benefits for businesses and individuals facing over-indebtedness. The initiative is part of a cooperation agreement aimed at enhancing the interoperability of case registration and referral systems between the two institutions.

Social leaders and residents of the 18 de Septiembre neighborhood in Punta Arenas participated in a Government in the Field event at Liceo María Behety, where over twenty public services attended to the community. The event, part of the month dedicated to social leaders, included a film screening and a discussion on pension reform. The Presidential Delegate, José Ruiz Pivcevic, emphasized the importance of social leaders in strengthening democracy and community participation. Various public services, including the Superintendencia de Insolvencia y Reemprendimiento, provided information and assistance to attendees.

Cristian Bravo from the Superintendencia de Insolvencia y Reemprendimiento presented mechanisms to support Ministry of Justice and Human Rights officials in debt renegotiation under Law 20.720. Since 2014, the law addresses insolvency for businesses and individuals, with recent amendments benefiting freelancers and small businesses through simplified procedures. The Renegotiation process is free and facilitated by the Superintendencia, while the Simplified Liquidation requires legal representation. Alejandra Barboza emphasized the importance of educating employees on debt management.

Entrepreneurs from Freirina and Huasco met with representatives of the Economy portfolio, led by Seremi Makarena Arias Vargas, to discuss the strengthening of small and medium-sized enterprises. The Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, Alejandro Flores, highlighted the new Insolvency Law's simplified procedures for small businesses. The event, led by the Seremi of Economy, saw active participation from various key stakeholders, including the Mayor of Freirina, César Orellana, and representatives from several government and business support organizations.

Bárbara Urrutia from the Superintendencia de Insolvencia y Reemprendimiento presented on the new Insolvency Law at the Encuentro de Empresas Red OMIL Centro. The law aims to modernize insolvency procedures, promoting reorganization over liquidation, which is expected to benefit small and medium enterprises by reducing costs and preserving jobs. Javiera Vivanco, the Seremi de Economía y Turismo, highlighted the law's importance for micro, small, and medium businesses. The event also featured contributions from Oscar Morales Mejías, Director of Sence, and Claudia Díaz Bravo, the Mayor.

The Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, Patricia Rojas, along with professors Malanie Freres and Julio Landaeta, presented at Universidad La Serena on the modernization of bankruptcy procedures. The discussion focused on the new legal changes introduced by law 21.563, which simplifies reorganization and liquidation processes for micro and small enterprises. Key topics included judicial reorganization, debt renegotiation, and bankruptcy jurisprudence. The event concluded with a Q&A session where the speakers addressed participants' questions.

Cristian Bravo, the Regional Coordinator of the Superintendencia de Insolvencia y Reemprendimiento, delivered a talk at the Centro de Negocios Sercotec Arica, operated by the Universidad de Tarapacá, about the modernized Law No. 20.720. The new insolvency regulation introduces simplified procedures for small businesses and individuals, aiming to facilitate debt repayment and maintain employment and production chains. The law includes a simplified liquidation process and a new simplified reorganization procedure for small and micro enterprises in insolvency situations.

The new Insolvency Law in Temuco, announced by Pablo Franco of the Superintendencia de Insolvencia y Reemprendimiento, aims to assist businesses and individuals in need of reorganization or liquidation. The law is particularly beneficial for micro, small, and medium-sized enterprises, offering less cumbersome and more cost-effective procedures. It promotes reorganization over liquidation, aiding in credit recovery, job preservation, and supply chain continuity. The law also extends debt renegotiation to those issuing fee receipts. The announcement was supported by the 'Proyecto Escala' program from the Municipalidad de Temuco, which aids high-impact entrepreneurs.