Clipping of news on Brazilian Culture, Law and Citizenship
08/20/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The Public Defender Rio offers a free service for renegotiating debts in its Core Consumer Photo: Paul Nicolella
The Public Defender Rio maintains a free service to make life easier for those who are struggling to negotiate the payment of debts, especially with banks and financial institutions. According to the coordinator of the Consumer Protection (Nudecon), Alessandra Bentes, proponents analyze the debts and come into contact with the institutions to negotiate payment discount. A survey of the institution shows that eight out of ten cases that reach the core end in agreement.
- What we see on a daily basis is that the Brazilian values the good name. The problem is that, often, the debt ends up getting out of control. The person wants to pay, but it is impossible - says the defender.
In Nudecon, attendance is split between debt and superendividados.
- The superendividado is one that already has a commitment of income so large that begins the month in negative. In these cases, do not use just trading. It takes an entire monitoring, why not solve the problem overnight - Alessandra explains.
The service works on Calle San Jose 35, 13th floor, in downtown Rio, by appointment from 8am, Monday to Thursday. More information can be obtained by calling (21) 2868-2100 (extensions 121 and 307).
Help to reorganize
Who is indebted to the neck can help to achieve a clean house and start paying what you owe. One of the places that offer free assistance is the School of Education Financial Rioprevidência. Despite being linked to the servants of the state, the institution is open to the general public. There, you can watch lectures on financial planning and to have an individual consultation to identify the causes of problems and put together a plan to solve them, so out of the red.
It was what made the administrative supervisor Fernanda Silva, 31. Earlier this year, she had to catch a personal loan amounting to R$ 3000, but already with four arrears:
- Renegotiation options they gave me are out of my reach at the moment. But I want to organize now to start hitting the debt in January.
For this, Fernanda was advised to extend a habit that already do: write down the revenue and expenses.
- I'm going to include all costs, no matter how small - she says.
According Marcio Martins, professor of Financial Education Rioprevidência, most people seeking help have high interest debts such as credit card:
- There are also problems with the payroll loan (debit sheet), since the salary is lower because of the discounts, and it is difficult to pay other bills.
The School of Education Financial Rioprevidência works on Rua Felipe Shrimp 83 in Vila Isabel. Information about the courses by telephone (21) 2334-1846 or by www.rioprevidencia.rj.gov.br site.
Differences: Marcio Martins, School of Education Financial Rioprevidência explained that whoever makes a loan is considered debt, even if it is with all the installments on time, as committed to pay benefits. If there is delay, even if it is a month since the person becomes delinquent.
Superendividado: Also according to him, there is a third category of indebtedness, when the debts are so many who begin to compromise survival, lacking money for grocery shopping or bills considered basic, such as water and electricity.
Changing the Game: The first step to get out of the red and blue is organizing finances, noting how earn and spend, as well as the interest of each debt. It is also important to have this information at his fingertips when negotiating.
Exchange: Is it worth replacing a more expensive debt for another cheaper. For example, take a payroll loan to pay off a credit card debt is advantageous, since the interest of the former are smaller than those of the second. But do not take anything beyond the amount needed to pay off the most expensive debt.
Counterproposal: At the time of negotiation of debt, do not accept the first proposal of the creditor, always make another, with the goal of improving the conditions of payment, especially if it is made in cash.
Within the limit: The proposed discharge should always be made within the limits of the budget of the debtor. Otherwise, he will have to request a new renegotiation after the first few months.
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Source: Extra - online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.