Clipping of news on Brazilian Culture, Law and Citizenship
02/28/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Experts recommend avoiding at all costs letting the debt lapse and go to court. Have you had problems? Tell us your story
The architect Fatima Coelho lives a nightmare for almost 20 years. Because of a debt of R$ 10.000, lost in a single auction house that had now assessed for R$ 700,000. The drama of Fatima, who had to leave their homes for six months and arrears of rent, resembles that of many people who once slipped into overdraft, plunged into a debt that became unpayable and ended up in court.
To help the reader avoid facing serious problems as the architect of the Fatima experts gave advice on what to do in time to renegotiate the debt. Firstly, all are unanimous in advising on interest and installment payments credit card.
"The Brazilian does not evaluate the cost of interest when making a purchase," says Carlos Henrique de Almeida, economic adviser Serasa Experian. "The rate of credit card, for example, are exorbitant." Another harmful practice is to pay the minimum bill card. "This facility is designed for emergency situations, not to be used every month."
"The main thing is not to roll over interest rates," said lawyer Fabio Martins Di Jorge , Peixoto e Cury office. According to him, enter into a dispute with a bank to discuss interest on a debt, as happened with the architect Fatima, is entering a lost cause for the client.
Nevertheless, given the debt, there is no other solution that does not try to renegotiate it, before falling in the dispute. "Even if the person has the means to defend the property, will need a lawyer, and this is expensive," says Renata Reis, who specializes in consumer Procon-SP.
The lawyer Fabio still makes one alert. "Renegotiating a debt with a bank is only valid if the financial institution knows that the debtor has no guarantees. If there is property at stake, lenders are going up. "According to the specialist Procon, a consumer should look for the lender to try to renegotiate the debt. When you do, have to inform in detail about the value of debt, spreadsheets and asking the original contract that created the debt.
"Do not use cleaning companies who say the name of the consumer. Behind them, there may be loan sharks, "says Almeida, Serasa. Another recommendation of experts is not letting the debt lapse, especially for those who have goods at stake. "Do not ever forget the debt. Do not pretend it does not exist, "says Almeida.
"The person who dies leaving a debt to beat the credit world, your overdraft line is canceled. It is an extremely risky, "Renata continues. Moreover, one runs the risk of the company entering creditor with a judicial review at the last minute. Fabio's lawyer says that in the latter case, the debtor can ask their civil insolvency, which is nothing more than the bankruptcy of individuals. "The problem is that in this case, the lender will control your life."
Source: MSN News
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This article was translated by an automatic translation system, and was therefore not reviewed by people.