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Rio will have salvage yard Serasa to clear name

10.19.2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

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Rio is the second state in Brazil with the largest number of delinquent consumers enrolled in the registry of debtors of Serasa. According to the company, which has the country's largest industry database, Rio's 5.6 million citizens are with their dirty names. The good news is that the debt will have a chance to revisit their debts and regain credit. Between 3 and November 7, you can negotiate special payment terms directly with creditors in Feirão Clear Name will happen Shopping Nova América, in Del Castilho, in the north.

According to Serasa Consumer eight creditors, including banks and shops, have confirmed participation in the event and will give discounts of up to 95%. The number of participants, however, should be added to the day of the salvage yard.

- The country faces a crisis. So if the consumer wants to pay what you owe to have his name cleared, the lender wants to negotiate to get the debt. To the extent that the delay in payment increases, it becomes more interesting for the company to give more discount and installment to recover the amount due - said Raphael Salmi, debt collection manager at Serasa Consumer.

Salmi, however, recommends that people prepare before trading, putting on paper the fixed costs, have to know how to repay what they owe.

- At the time of combining the method of payment, the consumer must examine carefully the proposal and, if you disagree, it is important to counteroffer, until both reach a realistic alternative. The important thing is that the debt will fit in your pocket.

Credit card: the villain

Four out of ten Brazilians over the age of 18 are delinquent, according to estimates from Serasa. According to the credit consultancy firm, late payment of credit card bills are the main reasons of debt today.

- The person is not programmed and like to affordable credit, without the need for approval, impulse buying, or in an emergency. Often forgets that will have to foot the bill in front there - explained Raphael Sami, adding that the invoice card is also the debt that consumers try to pay off as soon as possible, since the payment means the possibility of have the credit available again.

Besides having the opportunity to parcel out your debt and get off the amount payable, who is the salvage yard can attend lectures on education and financial planning in order to not go back into debt with which they can not afford.

- The goal is that the person does not go back to the register of debtors - Salmi said.

 

Source: Extra

 

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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