The Tesorería General de la República (TGR) has intensified its campaign this week to reach individuals with outstanding debts from the Crédito con Aval del Estado (CAE). The initiative focuses on sending detailed emails to debtors, outlining the various alternatives available to regularize their financial standing.
This push for voluntary regularization is critical because these specific fiscal obligations do not prescribe. The TGR aims to encourage debtors to settle their accounts before the total amount continues to grow over time.
Rising Collection Trends in 2026
Recruitment efforts have seen a notable increase during 2026. Total collections for CAE debts have already surpassed $12.8 billion this year, with April alone accounting for more than $8.3 billion in revenue.
According to the Division of Collections, these figures suggest a growing willingness among citizens to organize their personal finances. Yet, the overall scale of the problem remains significant.
Current data reveals that more than 550,000 people are in default, with the total outstanding debt exceeding $4 trillion.
New Payment Agreements and Accessibility
A new system of payment agreements became operational on April 1. This tool is designed to facilitate manageable agreements and prevent debts from escalating further.
Debtors are encouraged to act quickly to secure the best possible terms. Early action may provide more options, and regularizing the debt helps avoid future surcharges.
There is a specific segment of more than 70,000 people who owe $1 million or less, with an average debt of approximately $495,000. This group is considered more likely to resolve their situation in the short term.
Regional Debt Distribution
The concentration of CAE debtors follows the general population density of Chile. The Región Metropolitana holds the highest number of cases, with over 210,000 debtors and a total debt exceeding $239 billion.
Other regions with high concentrations of debtors include:
- Valparaíso: More than 57,000 cases.
- Biobío: More than 50,000 debtors.
- Maule: Approximately 25,000 people.
- La Araucanía: Around 22,000 debtors.
By identifying these hotspots, the TGR could potentially focus its informative actions where the debt burden is heaviest. For those with pending accounts, evaluating available options now could lead to greater long-term financial stability.
Frequently Asked Questions
How is the TGR communicating with CAE debtors?
The TGR is reinforcing its campaign by sending emails that provide clear information regarding the alternatives available for people to get up to date with their payments.
When did the new payment agreement system begin?
The new system for payment agreements began operating on April 1.
Which region in Chile has the highest amount of CAE debt?
The Región Metropolitana has the highest concentration, with more than 210,000 debtors and a debt total exceeding $239 billion.
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