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EN LEGAL

18:37 Jan 4, 2024
Spanish to English translations [PRO]
Bus/Financial - Law (general) / Dominican Republic
Spanish term or phrase: EN LEGAL
I am translating a chart showing different types of debt owed by an individual (credit cards, loans, utility bills)
The chart headings are:
Tipo de Producto:
FDR:
Moneda:
Crédito Aprobado:
Total Adeudado:
Cuota:
En Atraso:
En Legal:
Castigado:

Initially, I thought "En Legal" might mean that the person was current on payments. But researching this term in context for the Dominican Republic, it seems it could refer to a debt status other than "Past Due," one suggests it might be "uncollectable." Here are some examples I found online (not my text) if anyone has time to read and offer a suggestion. Thanks in advance for your time:

EL CLIENTE EN ATRASO. Que adquiera los servicios de BILL SUPPLY a través de una empresa con una vinculación y relación comercial entre las partes, deberá de ponerse al día con la cuota de BILL SUPPLY, para luego BILL SUPPLY pagarles a los proveedores de la misma. De la otra parte, no podrá bajo ninguna circunstancia recibirle la cuota al cliente, si aun no ha realizo el pago a BILL SUPPLY. De recibir el pago, el mismo será destinado hacia la cuota de BILL SUPPLY.
CLIENTE EN LEGAL. EL CLIENTE, que en lo adelante entre en legal en ambas empresas, aunque sea con diferentes montos, deberá de cumplir las políticas y normas establecidas en esta relación comercial, de realizar el pago con BILL SUPPLY y posteriormente a la empresa proveedora de servicios.

---
dominicano o copia de su pasaporte si eres extranjero ... no es cliente del Banco BHD León. f. Las deudas no deben estar en atraso ni en legal.

---
El derecho a saber (parte II)

Diario Libre
https://www.diariolibre.com › el-der...
... en atraso. Hasta que no la ... Ahora bien, transcurrido los primeros doce meses, ya no saldrá el estatus de que estuvo en "Legal" o "Incobrable.
jmf
United States
Local time: 00:03


Summary of answers provided
4litigated
Adrian MM.
4JUDICIAL COLLECTION
Arturo Oswal Alva Mendiburu
4in legal
AllegroTrans
4 -1subject to court/legal action
philgoddard


Discussion entries: 3





  

Answers


5 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
en legal
litigated


Explanation:
As initimated, is short for a 'dunned' debt sent to the legal department for recovery by suing on and litigating over.

PS 'past due' IMO is AmE for overdue in BrE,

Example sentence(s):
  • ... a collection procedure or the contractual partner to be *pursued in litigation* has transferred his domicile or usual place of residence outside [...]
  • Dunning refers to making insistent demands for the payment of a debt and refers to the collections process when used in a business context.

    Reference: http://burlingtonslegal.com/insight/debt-recovery-and-legal-...
    Reference: http://globalarbitrationreview.com/insight/know-how/litigati...
Adrian MM.
Austria
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 578

Peer comments on this answer (and responses from the answerer)
neutral  AllegroTrans: Debt recovery lawyers often collect debts on letters and negotiation before action, so "litigated" is inaccurate
10 hrs
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7 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
JUDICIAL COLLECTION


Explanation:
In the Dominican Republic, It means the possibility of resolving the payment of a debt before justice.

Arturo Oswal Alva Mendiburu
Peru
Local time: 23:03
Native speaker of: Native in SpanishSpanish
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13 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
subject to court/legal action


Explanation:
Pasos para negociar una deuda en legal en República Dominicana
http://blogs.templaris.com/templaris/pasos-para-negociar-una...

Cómo recupero mi crédito después de caer en legal?
http://prousuario.gob.do/educacion-financiera/blog/tienes-el...


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Note added at 18 mins (2024-01-04 18:56:42 GMT)
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You could even just say 'in legal':

Now my phone has been disconnected because my account is "in legal", although I am not in arrears on my account.
http://za.africabz.com/gauteng/norton-lambrianos-39671

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Note added at 1 day 2 hrs (2024-01-05 20:56:00 GMT)
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I think 'legal' would be better than 'court' here. Legal action usually begins with a lawyer sending a threatening letter, and then the account will either go to court or be written off.

philgoddard
United States
Specializes in field
Native speaker of: English
PRO pts in category: 868

Peer comments on this answer (and responses from the answerer)
agree  Cristina Zavala
5 mins
disagree  Adrian MM.: More legal inaccuracy & ambiguous - it's not subject to, but referred to a legal or litigation dept. // Unlike you, despite the UK ITI Bulletin's request for an article on legal translation, I STILL am a lawyer as an Inner Templar for life & a litigator.
41 mins
  -> As you never tire of telling us, you used to be a lawyer. But that was back in the 19th century, so you've probably forgotten that litigation means legal action.
disagree  AllegroTrans: Have to agree with AMM; I used to work in a legal debt recovery department - the fact that debts were referred to us didn't mean that all of them were pursued through the courts - but they were nonetheless "in legal" so far as our clients were concerned
2 hrs
  -> I'm sorry you've been sucked in by Adrian's hairsplitting, and I don't see why you've disagreed with me and then posted the same answer yourself.
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3 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
in legal


Explanation:
Meaning that the debt has been referred (usually to lawyers or to the creditor's legal department) for recovery.

Note that debt recovery need not necessarily be through the courts/legal action. Many debtors pay up when they receive a lawyer's letter. Many dedicated debt recovery lawyers use phone calling, some use private debt collectors.

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Note added at 3 hrs (2024-01-04 21:51:30 GMT)
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London Borough of Harrow
https://moderngov.harrow.gov.uk › documents
DOC
The Income section (Business Services) issues all invoices and credit notes - credit ... Number and value of accounts in legal/debt recovery agent/liquidation/ ...

unit 1 overview of record to report process
eGyanKosh
https://www.egyankosh.ac.in › bitstream › Unit-1
PDF
In this case, we will show receivables for legal A. w.r.t legal B (analysis code) and payables in legal B w.r.t to legal A (analysis code). This codification ...
21 pages



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Note added at 17 hrs (2024-01-05 12:33:15 GMT)
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I used to work for the debt recovery department of an English law firm. Our clients were credit controllers in various industries and "in legal" was the trade term most of them used by most of them to denote when overdue debts were sent to us.

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Note added at 1 day 6 hrs (2024-01-06 00:49:32 GMT)
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Legal action you can take - Small Business Commissioner
smallbusinesscommissioner.gov.uk
https://www.smallbusinesscommissioner.gov.uk › legal...
Deal with an unpaid invoice · Choose your next step; Legal action you can take. Legal action you can take. Not all legal action involves going to court, and you ...

AllegroTrans
United Kingdom
Local time: 05:03
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 1664

Peer comments on this answer (and responses from the answerer)
neutral  philgoddard: If you read the whole of my answer, I've already suggested this and given a reference. // So your "in legal" is better than my "in legal", is that what you're saying?
17 hrs
  -> Yes, but you put court/legal action, which is only the final stage of debt collection by lawyers, and "in legal" doesn't necessarily imply legal proceedings - also note I cannot agree with AMM's suggestion of "litigated", for the same reason//Yes
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