Short answer. It depends on the timing. Article 1629 sets no agreed duration to one year: if the credit was already due when you assigned it, your warranty runs one year from the assignment; if it was not yet due, it runs one year after the maturity date instead. Check which clock actually applies to your assignment.
What the law says
In case the assignor in good faith should have made himself responsible for the solvency of the debtor, and the contracting parties should not have agreed upon the duration of the liability, it shall last for one year only, from the time of the assignment if the period had already expired.
Civil Code, Article 1629 — Duration of Warranty of Solvency. Read the full provision →
What the law says
If the credit should be payable within a term or period which has not yet expired, the liability shall cease one year after the maturity.
Civil Code, Article 1629 — Duration of Warranty of Solvency. Read the full provision →
Two different one-year clocks, depending on timing
Article 1629 fixes a default duration only for the case where the assignor and the buyer of the credit never agreed on one. It then splits into two situations. If the credit's term had already expired by the time you assigned it, your warranty of solvency lasts one year counted from the date of the assignment itself. If the credit was still running — payable at a future date that had not yet arrived when you assigned it — the warranty instead lasts one year counted from that maturity date, not from the assignment.
This default only fills a gap the parties left open
The one-year rule is a fallback, not a mandatory term. Article 1629 applies where the assignor in good faith made himself responsible for the debtor's solvency and the parties never fixed how long that responsibility would last. If your assignment document actually specifies a duration, that agreed period controls instead of the statutory year. And the good-faith qualifier matters: the article addresses an honest undertaking of responsibility, not one where the assignor already knew the debtor could not pay when he made the warranty.
Applying it to a credit that matured six months ago
Everything turns on whether the credit was already due on the day you signed the assignment. If it was still an unmatured, future-dated credit at that point, the second branch of Article 1629 applies: your warranty runs until one year after the maturity date, which fell six months ago — so roughly six months of coverage would still remain. If, instead, the credit was already overdue when you assigned it, the first branch applies and your one-year clock started running from the assignment date itself, which could put you closer to, or past, the cutoff depending on when that assignment happened.
What the warranty of solvency actually covers
The warranty at issue is solvency, not the existence or validity of the credit itself — that is a separate and ordinarily broader obligation. A warranty of solvency means the assignor answers if the debtor cannot pay within the period the law or the agreement fixes; once that period lapses without a claim, the assignor is no longer answerable on that ground even if the debtor later becomes insolvent. Knowing exactly which date started your one-year period, and confirming there was no separate written duration, is what decides whether the debtor's current insolvency still falls within your warranty.