Debts

36.6 % of defaulting back to default after a year, says SERASA

13/03/2014

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Of recidivists , 27.1 % had more than five debts in 2013 .
Recurrence rate , however, was lower than in 2012 and 2011.

The default follows the country stable , but at high level , indicates research published on Wednesday ( 12 ) by Serasa Experian . According to the study , 36.6 % of consumers who were delinquent in 2012 , but regularized outstanding debts until the end of the year , returned to default in 2013 .
 
Recidivism , however, is the lowest in the last three years ( 38.9 % in 2012 and 39.4 % in 2011 ) .

According to Professionals, the total number of repeat offenders in 2013 , 27.1 % had more than five debts , compared with 29.4 % the previous year .

In 2013 , the number of new debt in the country was 5.9 million, compared umsaldo 6 million delinquent in 2012 .

" Despite the decline in defaults last year and early this year , we continue with a high level," said Ricardo Loureiro , president of Experian SERASA . " The economic agents seem to have conformed to a pattern of default by the consumer at high levels ," he added .

The survey shows that more people were able to clear his name in 2013 . Of the total 23.5 million Brazilians entered the base Serasa Experian last year , 17.6 million consumers paid off their debts and cleared the name , up 2.17 % compared to 2012 .

In 2012 , 17.3 million cleared the name, 1.88 % more than the amount of 2011 ( 16.9 million ) .

Serasa promotes on Thursday and Friday an online community helping to guide free consumers who have questions related to the renegotiation of debt and need financial advice through the website www.serasaconsumidor.com.br .


Source : G2

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