Clipping of news on Brazilian Culture, Law and Citizenship
01.04.2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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?.'re Thinking of doing this "spring cleaning" in the drawers to get rid of paperwork accumulated during the year is important to be aware of the deadlines to rule vouchers relating to settlement of accounts Check the guidelines of Procon-SP Foundation:
In the case of services, public or private, provided the consumer continuously, like water supply, electricity, telephone, cable TV, schools and credit card, according to the State Law 13,552 / 2009 and Federal 12,007 / 2009, suppliers are required to forward to their customers discharge declaration of debts for the previous year.
Federal law states that during the month of May suppliers must submit the annual discharge statement, which will replace the monthly receipts and vouchers issued over the previous year.
Remember that, according to the law, only they are entitled to this document consumers who are current on all parcels or fees last year. If any debt is being challenged in court, the right to discharge statement is only the months unquestioned.
If the consumer has not used the services during every month of the previous year, the document should be for the months in which there were sales of debts.
The period for the conservation of annual statements as well as other documents varies depending on the situation. Here are some terms to dispose of these documents, specifically in cases of problems related to consumption:
Retention periods of the annual discharge receipt
- Water, energy, telephone and other essential bills: payment vouchers must be kept for five years. Since the entry into force of the laws mentioned above, just save the discharge statements, which can be sent in loose documents or invoices in the month of May.
- Consortium: discharge statements or receipts must be retained until the end of the financial operations of the group.
- Insurance: proposal, policy and payment statements should be retained for another year after the end of the term.
- Medical insurance: the proposal and the contract should be maintained throughout the period that is as special agreement. Importantly, the health insurance contract follows the rules of general insurance, ie any claims or lawsuits (the consumer insurance or insurance to consumers) must be made within one year. For health insurance, the deadline is five years.
- Tuition: declarations and contracts must be kept for five years.
- Free Courses declarations and contracts must be kept for five years.
- Credit card: statements must be kept for five years.
- Rent: the tenant must keep the contract and returns to his unemployment and consequent receipt of key delivery term for three years, provided there are no pending (only for cases where there is an effective relationship consumption - consumer and a company / administrator). Contracts between individuals are of different legal nature and does not constitute consumer relationship.
Other documents retention periods:
- Property Purchase (land, house, apartment): the proposal, contract and all payment vouchers must be kept by the purchaser to the transcription and real estate scripture record (only for cases where there is an effective relationship consumption - contracts between individuals are of different legal nature).
- Invoices: invoices purchase of durable goods and services should be retained for a period of useful life of the product / service, the date of acquisition of the asset, since, even after the termination of the warranty, there is still possibility appear hidden defects.
- Guarantee certificates: a guard should follow the same rule of invoices.
- Contracts: general contracts must be kept until the link is broken between the parties and, in the case of funding until all plots are settled and well not have more alienation.
Important! The Procon-SP emphasizes that all these deadlines are for problems related to consumption. Other situations and / or entities may have their own rules (IRS, DMV, City Hall, Notary, forums, Small claims courts, etc.).
Source: Procon-SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.