{"id":4875,"date":"2026-06-30T22:19:39","date_gmt":"2026-06-30T22:19:39","guid":{"rendered":"https:\/\/staging.atoabogados.com\/?page_id=4875"},"modified":"2026-07-10T19:10:38","modified_gmt":"2026-07-10T19:10:38","slug":"comisiones-por-devolucion-de-efectos-impagados","status":"publish","type":"page","link":"https:\/\/staging.atoabogados.com\/?page_id=4875","title":{"rendered":"Comisiones por devoluci\u00f3n de efectos impagados"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4875\" class=\"elementor elementor-4875\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0698a8 e-con e-atomic-element e-flexbox-base e-22b36fc \" data-id=\"f0698a8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f0698a8\" data-e-type=\"e-flexbox\" data-id=\"f0698a8\">\n    <div class=\"elementor-element elementor-element-b040ce5 e-flex e-con-boxed e-con e-parent\" data-id=\"b040ce5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2919ecf elementor-widget elementor-widget-heading\" data-id=\"2919ecf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COBRO INDEBIDO DE COMISIONES POR DEVOLUCI\u00d3N DE EFECTOS NO PAGADOS\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87b51d8 elementor-widget elementor-widget-text-editor\" data-id=\"87b51d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"page-header-wrap clearfix \"><div class=\"container\"><div class=\"container\"><div class=\"page-header-wrap clearfix \"><div class=\"container\"><div class=\"container\"><span class=\"page-subtitle\">Recupere los importes que el banco le cobr\u00f3 como comisi\u00f3n por devoluci\u00f3n de efectos impagados<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-74091b8 e-con e-atomic-element e-flexbox-base e-01e7343 \" data-id=\"74091b8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"74091b8\" data-e-type=\"e-flexbox\" data-id=\"74091b8\">\n    <div class=\"elementor-element elementor-element-2c00aec e-flex e-con-boxed e-con e-parent\" data-id=\"2c00aec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1daa295 e-con-full e-flex e-con e-child\" data-id=\"1daa295\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8da6a10 elementor-widget elementor-widget-heading\" data-id=\"8da6a10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comisiones por devoluci\u00f3n de efectos impagados\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-a853f56 e-con e-atomic-element e-flexbox-base e-a853f56-4b877bc \" data-id=\"a853f56\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a853f56\" data-e-type=\"e-flexbox\" data-id=\"a853f56\">\n    <div class=\"elementor-element elementor-element-688807d e-flex e-con-boxed e-con e-parent\" data-id=\"688807d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7e333d8 e-con-full e-flex e-con e-child\" data-id=\"7e333d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c6617 elementor-widget elementor-widget-heading\" data-id=\"f8c6617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tanto empresas como aut\u00f3nomos, utilizan habitualmente como fuente de financiaci\u00f3n el descuento de letras o recibos a trav\u00e9s de entidades financieras. Las Comisiones por Devoluci\u00f3n de efectos impagados no constituyen un nuevo servicio, carecen de causa y su cobro es indebido.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc43da8 elementor-widget elementor-widget-text-editor\" data-id=\"dc43da8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>Mediante el contrato de descuento bancario, una entidad financiera anticipa al cliente el importe de un cr\u00e9dito que \u00e9ste tiene frente a un tercero, todav\u00eda no vencido, mediante la cesi\u00f3n del mismo, \u201csalvo buen fin\u201d, con ciertas deducciones o descuentos (intereses y comisiones).\u00a0 Se considera fundamental la cl\u00e1usula \u201csalvo buen fin\u201d seg\u00fan la cual, si el deudor no paga al vencimiento, deber\u00e1 hacerlo el cedente. En ese caso, al empresario se le cobra el importe impagado, bien mediante un contraasiento por v\u00eda de compensaci\u00f3n, bien mediante el ejercicio de la acci\u00f3n de regreso.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-354e556 e-con-full e-flex e-con e-child\" data-id=\"354e556\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-933f21f elementor-widget elementor-widget-text-editor\" data-id=\"933f21f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las exigencias de\u00a0<strong>claridad<\/strong>\u00a0y\u00a0<strong>transparencia<\/strong>\u00a0relativas a las estas comisiones, se recogen \u00a0en la siguiente normativa:<\/p><ul><li>Ley 26\/1988 de Disciplina e Intervenci\u00f3n de las Entidades de Cr\u00e9dito con su normativa de desarrollo, especialmente la Orden del Ministerio de Econom\u00eda y Hacienda de 12 de diciembre de 1989 y la Circular del Banco de Espa\u00f1a n\u00famero 8 de 7 de septiembre de 1990.<\/li><li>Real Decreto Legislativo 1\/2007 que aprueba el Texto Refundido de la Ley para la Defensa de Consumidores y Usuarios.<\/li><li>La Orden Ministerial de 12 de diciembre de 1989 establece que\u00a0<strong>las entidades de cr\u00e9dito deben hacer p\u00fablicas y registrar en el Banco de Espa\u00f1a las tarifas de comisiones y gastos repercutibles, y en ning\u00fan caso podr\u00e1n cargarse comisiones o gastos por servicios no aceptados o solicitados en firme por el cliente. Adem\u00e1s deber\u00e1n responder a servicios efectivamente prestados o a gastos habidos.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-496c066 elementor-widget elementor-widget-text-editor\" data-id=\"496c066\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>Para que una comisi\u00f3n por devoluci\u00f3n sea v\u00e1lida es necesario que exista un pacto que justifique su cobro y\u00a0adem\u00e1s, el pacto debe indicar de forma expl\u00edcita y clara, el concepto y la cuant\u00eda de la comisi\u00f3n (art.48.2 de la Ley 26\/1988).\u00a0 Este requisito, no puede ser sustituido por una remisi\u00f3n gen\u00e9rica a las tarifas que publique la entidad.<\/p><p>Por otra parte,\u00a0<strong>la comisi\u00f3n por devoluci\u00f3n debe corresponder a una prestaci\u00f3n real de un servicio.\u00a0<\/strong>\u00a0La jurisprudencia de las Audiencias Provinciales, considera que\u00a0<strong>el servicio est\u00e1 cobrado por la comisi\u00f3n de gesti\u00f3n de cobro y el inter\u00e9s de descuento.<\/strong><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76978e1 e-con-full e-flex e-con e-child\" data-id=\"76978e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74eca61 elementor-widget elementor-widget-text-editor\" data-id=\"74eca61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>El hecho de pagar las comisiones por devoluci\u00f3n, no implica su aceptaci\u00f3n, al desconocerse la ilicitud de su percepci\u00f3n. Es decir, el impago no es sino una consecuencia m\u00e1s de la gesti\u00f3n de cobro, que ha sido ya retribuida a trav\u00e9s de los intereses y comisiones del descuento.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efeed59 e-con-full e-flex e-con e-child\" data-id=\"efeed59\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-81e0334 e-con-full e-flex e-con e-child\" data-id=\"81e0334\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a60cf02 elementor-widget elementor-widget-heading\" data-id=\"a60cf02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfSU ENTIDAD LE COBR\u00d3 COMISIONES POR DEVOLUCI\u00d3N DE EFECTOS IMPAGADOS?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f888ca elementor-widget elementor-widget-text-editor\" data-id=\"6f888ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div id=\"primary\" class=\"content-area\"><main id=\"main\" class=\"site-main\" role=\"main\"><\/main><article id=\"post-2427\" class=\"post-2427 page type-page status-publish has-post-thumbnail hentry\"><div class=\"entry-content\"><div id=\"wpc_6a44221f6ed36\" class=\"vc_row wpb_row vc_row-fluid \"><div class=\"row_inner_wrapper clearfix\"><div class=\"row_inner row_center_content clearfix\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><section class=\"vc_cta3-container\"><div class=\"vc_general vc_cta3 vc_cta3-style-3d vc_cta3-shape-rounded vc_cta3-align-center vc_cta3-color-peacoc vc_cta3-icon-size-md vc_cta3-actions-bottom\"><div class=\"vc_cta3_content-container\"><div class=\"vc_cta3-content\"><p>En ATO Abogados SLP podemos ayudarle a recuperar los importes que el banco le cobr\u00f3 como comisi\u00f3n de devoluci\u00f3n.<\/p><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e607734 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e607734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACTE CON NOSOTROS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b894eb9 e-con-full e-flex e-con e-child\" data-id=\"b894eb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-802d59a elementor-widget elementor-widget-heading\" data-id=\"802d59a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00daLTIMAS NOTICIAS\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0aa8fe elementor-grid-1 elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"d0aa8fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4743 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog category-derecho-bancario\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4743\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247-300x150.png\" class=\"attachment-medium size-medium wp-image-5175\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247-300x150.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247-1024x512.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247-768x384.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247-1536x768.png 1536w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/907a46e2-e458-4ce9-a15b-e03d30e17247.png 1774w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4743\" >\n\t\t\t\tEl IRPH sigue generando dudas en los tribunales europeos\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4740 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4740\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6-300x150.png\" class=\"attachment-medium size-medium wp-image-4741\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6-300x150.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6-1024x512.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6-768x384.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6-1536x768.png 1536w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/241daece-84f6-4d8d-a551-f6ee2a3de9e6.png 1774w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4740\" >\n\t\t\t\t\u00bfCu\u00e1ndo un cr\u00e9dito al consumo puede considerarse abusivo? El Supremo aclara los criterios\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4737 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4737\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-300x169.png\" class=\"attachment-medium size-medium wp-image-4738\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-300x169.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-1024x576.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-768x432.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-1536x864.png 1536w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42.png 1672w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4737\" >\n\t\t\t\tLa justicia pone el foco en las tarjetas de cr\u00e9dito: m\u00e1s control para los pr\u00e9stamos al consumo\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4731 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4731\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-300x150.png\" class=\"attachment-medium size-medium wp-image-4736\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-300x150.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-1024x512.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-768x384.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-1536x768.png 1536w, 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Oportunidad\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>COBRO INDEBIDO DE COMISIONES POR DEVOLUCI\u00d3N DE EFECTOS NO PAGADOS Recupere los importes que el banco le cobr\u00f3 como 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