Clipping of news on Brazilian Culture, Law and Citizenship
08.27.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Woman organizes accounts: program can help decrease the value of debt by 80%. See how to participate
São Paulo - The Foundation of Protection and Consumer Protection (Procon-SP) recorded in the last three months, a 400% increase in demand for its orientation program and support for overindebted consumers.
Because of this increased demand, the consumer protection agency is scheduling new appointments only for the month of October, but the guidance by phone and lectures continue to be carried out normally.
The Program Support superendividado (PAS) aims to solve financial problems of consumers living in São Paulo and includes analysis of the economic situation, the course of financial guidance, creation of income and expense sheets, debt renegotiation and, if is necessary, conducting a due process hearing debts with creditors.
The Procon-SP claims to solve 90% of cases that are served up to the final stage of the program. After renegotiations and the realization of the due process hearing, the value of debt may be reduced by up to a fifth of the original cost, or 80%, since, in the process, fines are eliminated and undue fees (see 10 steps to renegotiate their debts with the bank).
The agency recommends that consumers commit a maximum of 30% of household income on loans and installment purchases, such as provision of purchase of the house and the car and installment plans. Most of the monthly income should be used for essential expenses and if about money, is indicated create a financial reserve for purchase of goods or unforeseen expenses.
As part of the program
Can participate in the PAS consumers who have most of their income compromised by debts payable or to become due, either with banks, managers of credit cards, financial and retail companies.
The focus of the program are debts that have entailed the payment of interest, and penalties subject to renegotiation. The PAS does not meet cases where the debt is related to severance, condo fees, rent, alimony, property taxes and financing installments.
To participate, you must first pass through a screening process that analyzes the socioeconomic profile of the person concerned. For this, the consumer should attend from 10h to 16h to the Judicial Centre for Conflict and Citizenship Solution (CEJUSC), located in Barra Funda, 930, 2nd floor, in the Barra Funda neighborhood in Sao Paulo.
Subsequently, the applicant must schedule from 9:30 am to 17h in an interview Treatment Center of overindebtedness, located on the same street, at number 1,032.
If approved, the program participant must mandatorily enroll in a lecture open to the public, in which guidance will be provided to assist in the renegotiation of debts. Registration for the lecture are free and can be made from 9h to 17h by Procon-SP's website or by calling (11) 3824-7069.
Source: Survey
To access the exam site, click here.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.