A critical and systematic analysis is made of the legal concept of insolvency of a non-trading natural person, both from its genesis and current legislative and current legislative configuration in Colombia, as well as the respective implications of the draft Insolvency Law on debtors and creditors, in order to establish the implications of the draft Insolvency Law on both debtors and creditors, in order to establish what could be the impact on the parties the impact for the parties, with respect to the new proposal that is being processed in the Colombian Congress. Colombian Congress. Likewise, the purpose is to address and know what will be the rights and guarantees that debtors and creditors will have when this figure is presented in this creditors will have when this figure is presented in those circumstances in which the debtor, due to different circumstances or situations, is circumstances or situations, is forced into an economic crisis that prevents him from meeting his respective obligations and, therefore, he is and, therefore, it is necessary to renegotiate the debts, reach agreements with the creditors and, if necessary, liquidate the patrimony, liquidate the assets. These elements mentioned here are essential because they have a significant impact on the living conditions that the the living conditions that the debtor will have to face, but at the same time, it would generate legal uncertainty for the creditors, as to whether there are The above mentioned elements are fundamental because they have a significant impact on the living conditions that the debtor will have to face. The foregoing, since, in the current environment, the issue of insolvency is being advanced or approached with greater regularity, either by the insolvency, whether corporate or in non-trading natural persons, contributing to a more holistic vision of the legal more holistic view of the legal relationships between debtors and creditors and the possibilities to reach fair agreements to overcome economic crises. to overcome economic crises, especially because more than a year after the beginning of the sanitary phenomenon -COVID-19-, a more holistic view of the legal relations between debtors and creditors It is clear that new rules are needed to boost the economy, but also to channel sufficient guarantees and guarantees that can be used as a channel for the development of the economy, that manage to channel sufficient guarantees and rights to the parties so that they can get out of the deep crisis in which this disease has the world at large. the world in general.

Se realiza un análisis crítico y sistemático sobre la figura jurídica de la insolvencia en persona natural no comerciante, tanto desde su génesis y configuración legislativa actual en Colombia, como de las respectivas implicaciones que tiene el proyecto de Ley de insolvencia tanto en deudores como acreedores, a fin de establecer cuál podría ser el impacto para las partes, respecto de la nueva propuesta que se encuentra en trámite en el Congreso de Colombia. Así mismo se trata de abordar y conocer, cuáles serán los derechos y garantías que tendrán los deudores y acreedores cuando sea presentada esa figura en aquellas circunstancias en las cuales el deudor, por diversas circunstancias o situaciones, se ve abocado a una crisis económica que le impide atender sus obligaciones respectivas y, por lo tanto, requiere renegociar las deudas, llegar a acuerdos con los acreedores y, si es necesario, liquidar el patrimonio. Estos elementos aquí señalados son fundamentales porque inciden notablemente en las condiciones de vida que tendrá que afrontar el deudor, pero a su vez, generaría inseguridad jurídica en los acreedores, en cuanto a si existen verdaderas expectativas de recuperar los bienes recursos invertidos. Lo anterior, como quiera que, en el entorno actual, se viene adelantando o abordando con mayor regularidad el tema de la insolvencia, bien sea la empresarial o en persona natural no comerciante; contribuyendo a una visión más holística sobre las relaciones jurídicas entre deudores y acreedores y las posibilidades para llegar a acuerdos justos que permitan superar las crisis económicas, máxime porque a más de un año de iniciarse el fenómeno sanitario -COVID-19, es evidente que se requieren de nuevas reglas que impulsen la economía, pero también, que logren canalizar suficientes garantías y derechos a las partes para que puedan salir de la profunda crisis en que tiene esta enfermedad al mundo en general.