The economic difficulties that many are spending, have forced people and businesses to stop paying dividends on their mortgage and now their houses are in the midst of proceedings that could end up at auction. What most debtors ask is to stop the processes and gain time to find a solution. "For the customers who have assumed the representation, the banks will have closed the door. There was no possibility of renegotiation," says Ricardo Ib ez , general manager of Defense Debtor entity that will have increased by 50 the number of prosecutions in this sentido.Sin But since the banks say that the last thing you want is to round off the properties to them either because that for them. Moreover, they say working with the criterion of "tailor made" to renegotiate and find the best option for debtors. "The banks have tripled their holdings of bad debt.But more than being in an aggressive policy of enforcement, are in a renegotiation policy, "says Stephen Garcia, Garcia's law partner Maglione Co., who works with eight banks on issues of enforcement of credit contracts. Yes, while from some banks say that they run trials have increased by 15 compared to the same period last year, from others claim that it is not yet a problem, but that does not mean that no I will be in the futuro.Es that with rising unemployment (9.8 in the quarter February to April) and taking into account that people stop paying their mortgages because they are sick or become unemployed, it Most likely the increase in arrears and therefore also the executions.And that is what is said in the industry. Moreover, taking into account that a trial takes about a year, experts say the number of auctions would increase the second half of this year or the first of 2010.Y by that time we should have official figures to corroborate an increase and from June to banks deliver their balance sheets following the IFRS accounting standards and that data will be public. I'm slow: What You Need to Know How many unpaid dividends must I have to I auctioned off a property Foreclosure can start the day after the due date. But that usually is not done. Most banks expect 90 days.Even some reaching 180. How do the banks continue to defaulters When a customer stops paying its dividend, the record is sent to the department of standardization of the bank.