Clipping of news on Brazilian Culture, Law and Citizenship
06/10/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
According to the Consumer Protection Code, the maximum period for debt collection in court or insert the name of the debtor in registration restricting credit agencies such as SPC, SERASA and SCPC, it is 5 years from the date the debt won and should have been paid.
The inclusion of the debtor in the credit restriction organs can be made at any time within that period.
The deadline for debt collection in court or insert the name of the debtor in registration to credit restriction organs is 5 years
If the debt was not charged for a period of 5 years from the maturity, the lender loses the right to demand the charge in court, enter the debtor restricting credit agencies such as SPC and SERASA or protest the debt office, but It can also be charged via letter and phone. In this case the charge can only be made in a polite and civilized manner, never exposing the debtor in an embarrassing situation.
If the debt was protested or included again in restricting credit agencies (SPC SERASA etc) after 5 years, consumers should look for a lawyer you trust, go to a small claims court or the public defender and enter process justice demanding the immediate exclusion of records and asking for compensation for damages resulting from improper registration.
In the case of an installment, will the maturity date of each installment. Thus, in a 24 installments contract in which the latter has not been paid, will the maturity of this and not the time of signing the contract or of the first installment due date.
Source: Consumidor.gov
To access the Consumidor.gov site, click here.
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.