{"id":6684,"date":"2020-04-02T11:15:31","date_gmt":"2020-04-02T11:15:31","guid":{"rendered":"https:\/\/diazreus.com\/a-financial-guide-paying-your-bills-during-the-coronavirus-pandemic\/"},"modified":"2021-01-12T15:49:07","modified_gmt":"2021-01-12T15:49:07","slug":"a-financial-guide-paying-your-bills-during-the-coronavirus-pandemic","status":"publish","type":"post","link":"https:\/\/diazreus.com\/es\/a-financial-guide-paying-your-bills-during-the-coronavirus-pandemic\/","title":{"rendered":"Una gu\u00eda financiera: como pagar sus facturas durante la pandemia del Coronavirus"},"content":{"rendered":"<div>\n<div>Para muchos, el comienzo del mes es un punto de referencia para pagar sus facturas. Sin embargo, el Coronavirus, como bien sabemos, nos ha puesto todo al rev\u00e9s. D\u00edaz Reus est\u00e1 aqu\u00ed para ayudar a nuestros clientes a navegar por el mundo del COVID-19 a medida que las facturas est\u00e1n por vencerse, as\u00ed como otras obligaciones.<\/div>\n<div><\/div>\n<div><strong>Alojamiento<\/strong><\/div>\n<div><\/div>\n<div>Prestamistas hipotecarios a lo ancho del pa\u00eds, se encuentran dispuestos a trabajar con prestatarios que han sido afectados por el coronavirus al diferir o reducir los pagos. El Departamento de Vivienda y Desarrollo Urbano, y algunos prestamistas hipotecarios, como Freddie Mac y Fannie Mae, han suspendido todas las \u00f3rdenes de desalojos y ejecuciones hipotecarias, adem\u00e1s de ampliar sus programas de indulgencia. P\u00f3ngase en contacto con su prestamista hipotecario de inmediato para obtener m\u00e1s informaci\u00f3n sobre sus opciones.<\/div>\n<div><\/div>\n<div><strong>Utilidades<\/strong><\/div>\n<div><\/div>\n<div>Algunas compa\u00f1\u00edas de servicios p\u00fablicos permiten a sus clientes realizar pagos atrasados sin penalizaci\u00f3n, y un n\u00famero creciente de compa\u00f1\u00edas de servicios p\u00fablicos han indicado que no suspender\u00e1n el suministro de energ\u00eda a los consumidores que no paguen sus facturas. Algunos estados han prohibido expresamente a las compa\u00f1\u00edas de servicios desconectar los servicios durante la pandemia. Consulte con su proveedor de servicios para saber qu\u00e9 opciones est\u00e1n disponibles en su \u00e1rea. Siempre tenga en cuenta que mantener una buena calificaci\u00f3n crediticia es importante a largo plazo. Determine si la falta de pago de su factura de servicios p\u00fablicos podr\u00eda generar un informe negativo para las agencias de cr\u00e9dito.<\/div>\n<div><\/div>\n<div><strong>Seguro de salud<\/strong><\/div>\n<div><\/div>\n<div>A medida que aumentan las tasas de desempleo, muchos no solo han perdido sus empleos, sino tambi\u00e9n su seguro de salud. Existen otras opciones, adem\u00e1s de COBRA, la cual es una opci\u00f3n de seguro bastante costosa luego de un despido. Un pu\u00f1ado de estados han reabierto sus intercambios de seguros de salud en respuesta a la crisis del Coronavirus. Adem\u00e1s, en virtud de la Ley de Atenci\u00f3n M\u00e9dica, 36 estados y el Distrito de Columbia ampliaron la elegibilidad para que adultos de bajos ingresos reciban Medicaid.<\/div>\n<div><\/div>\n<div><strong>Cheque de incentivo econ\u00f3mico<\/strong><\/div>\n<div><\/div>\n<div>El gobierno federal le otorga un pago \u00fanico a los adultos que califiquen. Los adultos individuales que ganen hasta $75,000 en ingresos brutos ajustados, y que tengan un n\u00famero de seguro social, recibir\u00e1n un pago de $1,200. Para las parejas que presentan una declaraci\u00f3n conjunta y tienen un ingreso bruto ajustado de menos de $150,000, recibir\u00e1n un pago de $2,400. Las personas o parejas que superen estos l\u00edmites pueden ser elegibles para un pago reducido. El gobierno federal utilizar\u00e1 las declaraciones de ingresos de impuestos federales del 2019 o, si a\u00fan no han presentado la declaraci\u00f3n pertinente al 2019, se utilizar\u00e1n las declaraciones de ingresos de impuestos federales del a\u00f1o 2018 para valorar el ingreso bruto ajustado de cada persona o pareja.<\/div>\n<div><\/div>\n<div><strong>Deuda (tarjetas de cr\u00e9dito y pr\u00e9stamos para autom\u00f3viles)<\/strong><\/div>\n<div><\/div>\n<div>Las compa\u00f1\u00edas de tarjetas de cr\u00e9dito y los administradores de pr\u00e9stamos a nivel nacional, est\u00e1n trabajando con los prestatarios afectados por el Coronavirus. Algunos bancos ofrecen exenciones o aplazamientos de intereses, extensiones de pago y planes de pago. Estas opciones deben ser planteadas por el consumidor directamente con sus prestamistas; los beneficios no ser\u00e1n conferidos autom\u00e1ticamente. Aseg\u00farese de contactar a su prestamista directamente para analizar sus opciones.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[:en]For many, the beginning of the month is a benchmark to pay their bills. However, the coronavirus has flipped the world as we all know it upside down. Diaz Reus is here to assist our clients navigate the COVID-19 world as bills and other obligations become due.[:es]Para muchos, el comienzo del mes es un punto de referencia para pagar sus facturas. Sin embargo, el Coronavirus, como bien sabemos, nos ha puesto todo al rev\u00e9s. D\u00edaz Reus est\u00e1 aqu\u00ed para ayudar a nuestros clientes a navegar por el mundo del COVID-19 a medida que las facturas est\u00e1n por vencerse, as\u00ed como otras obligaciones.[:ru]For many, the beginning of the month is a benchmark to pay their bills. However, the coronavirus has flipped the world as we all know it upside down. Diaz Reus is here to assist our clients navigate the COVID-19 world as bills and other obligations become due.[:]<\/p>\n","protected":false},"author":1,"featured_media":5171,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","inline_featured_image":false,"footnotes":""},"categories":[554,289],"tags":[],"class_list":["post-6684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ru-2-es","category-centro-de-recursos-covid-19"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Una gu\u00eda financiera: como pagar sus facturas durante la pandemia del Coronavirus<\/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:\/\/diazreus.com\/es\/a-financial-guide-paying-your-bills-during-the-coronavirus-pandemic\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Una gu\u00eda financiera: como pagar sus facturas durante la pandemia del Coronavirus\" \/>\n<meta property=\"og:description\" content=\"[:en]For many, the beginning of the month is a benchmark to pay their bills. However, the coronavirus has flipped the world as we all know it upside down. Diaz Reus is here to assist our clients navigate the COVID-19 world as bills and other obligations become due.[:es]Para muchos, el comienzo del mes es un punto de referencia para pagar sus facturas. Sin embargo, el Coronavirus, como bien sabemos, nos ha puesto todo al rev\u00e9s. D\u00edaz Reus est\u00e1 aqu\u00ed para ayudar a nuestros clientes a navegar por el mundo del COVID-19 a medida que las facturas est\u00e1n por vencerse, as\u00ed como otras obligaciones.[:ru]For many, the beginning of the month is a benchmark to pay their bills. However, the coronavirus has flipped the world as we all know it upside down. 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