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Debts

Opportunities to "clear his name" and some tips of Procon-SP

11.25.2015

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

 

 

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Who lives in São Paulo and is constrained in credit will have good opportunities to rectify the situation towards its creditors. Serasa Experian performs this week from this Tuesday (24) to Saturday (28), the Super Feirão Clears name in São Paulo to help consumers get out of credit restriction entries, renegotiating arrears directly with 68 participating lenders. 

Serasa also promotes, through Saturday, the Super Feirão Online for delinquent consumers around the country renegotiate their debts.

The face salvage yard in the city of São Paulo will be in the parking Shopping Itaquera, at Av. José Pinheiro Borges, s / nº, East Zone of São Paulo, from 8h to 18h. See more information here

To participate in the online salvage yard you need to access the www.serasaconsumidor.com.br/superfeirao site and fill out a registration.

Good view SCPC 

The Boa Vista SCPC also makes an online joint effort to clear his name with 101 companies through the Internet address www.consumidorpositivo.com.br.

The task force will be available until December 12. To participate, you must access the site www.consumidorpositivo.com.br and register.

Procon-SP tips

Check out Procon-SP guidelines to get you out of the red: 

Step 1: organization 

The first step for those who are in debt is to know the extent of the problem for that list in detail all debts (for those who must, as should how long), their credits (salary, extra income, collaborative family, applications, etc. ) and their day to day expenses (transportation, food, utility bills, and other expenses). 

Step 2: Control 

Verified expenses, there are several radical measures, but necessary, that can be taken such as: 

- Match travel living standards to their real incomes, even in the purchase of essential products; 

- Cut, or decrease, spending on cable TV, phone and vehicle use. 

- Make rational use of water and electricity; 

- Do not buy on impulse, spending only what is necessary; 

- Search for prices and payment methods. Whenever possible and focus on cash purchases; 

- Do not use the value of the overdraft limit as a second wage; 

- Search free leisure activities such as tours to public parks, exhibitions, etc; 

- Decrease the use of credit card or checkbook. Take in the portfolio only enough money for living expenses. 

Step 3: Educate 

- Develop a plan to control all expenses. If so, envelop the whole family; 

- Monitor daily your bank balance and expenses paid to the credit card; 

- In all actions, always look for an opportunity to save. 

Step 4: if ajuste- 

- First of all, know how much we really want to make available to pay off debts; 

- Try to negotiate them directly with creditors or through a conciliation in outposts extraprocessual reconciliation; 

- If there is any money invested, consider using it to settle debts; 

- Preferably a clearance of debt when you receive the 13th salary; 

- If you have no resources to pay off the debts, also evaluate the possibility of obtaining credit at lower rates, such as payroll loan. Be well aware of all values, mainly from interest, fees and other charges. Make a careful evaluation. 

Step 5: the regularization 

By entering into a renegotiation agreement or obtain the discharge of a debt, keep all documentation related to the agreement reached. 

Know that, after the start of the debt payment, the lender must provide the removal of the names of delinquent registrations.

 

Source: Procon-SP

To access the Procon-SP site, click here.

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

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