Overview
- The Government of Mendoza established the Oficina de Conciliación de Reestructuración de Deudas de Consumo by Resolución 384 published on Monday, October 5, 2026, and the regime takes effect the day after publication.
- Consumers with real domicile in Mendoza can apply when household financial commitments exceed 30% of net family income or 25% for designated vulnerable households and when total debt capital is below 100 Salarios Mínimos, Vitales y Móviles.
- The office covers credit cards, personal loans, commercial financing, non‑bank lenders, licensed digital platforms and credits from mutuals and cooperatives while excluding mortgages, alimony, fines and debts from commercial or business activity.
- The process starts with a consumer petition and documentation, requires the office to summon creditors who have 10 business days to respond, convenes a conciliatory hearing to seek write‑downs or refinancing, and suspends punitive interest, collection actions and credit‑score deterioration for participating creditors; homologated agreements become executive and must be reported to credit registries.
- Practical results will depend on voluntary creditor participation and on the office building mediator capacity and delivering mandatory financial‑education programs for participants, while the government is running a provincewide survey of indebtedness and plans a future provincial law to broaden the scheme.