Being restricted by the CPF makes it impossible for you to get a loan, credit card and financing, buy through installments, in addition to problems that affect everyday life, such as not being able to hire an internet company, for example, and not being able to access job openings. certain public tenders. Imagine how much you may be being harmed by these debts, and most likely not because of you.
People fail to pay their debts for many reasons and most of these factors are completely contrary to their will.
Therefore, if you are in default it is important to know what you should do to clear your name and be able to do your shopping and hire services again.
Let’s bring some tips and information to help you get out of this.
This first step is for you to check what your debts are and what the amounts are.
The SPC has records of debts in businesses and other services. Serasa is the service responsible for debts in banking institutions.
After knowing your pending issues, now it’s time to negotiate. For this, you can go to the financial sector of the company and make this negotiation. You may also be able to negotiate through the website of the agency itself.
In some cases, you are able to decrease the amount of interest if you make a cash payment.
Another way to get your name out of the SPC is to wait until the debt “expires”, which occurs in 5 years after your name has been included in the debtors’ register.
In this case, the debt continues to exist and its payment is important. However, the company loses the right to collect, as well as loses the right to sue you for the debt.
Analyzes carried out in Brazilian law conclude that, by law, an individual or Legal Entity can only be denied after being judged for the debts pointed out by the Credit Protection Bodies.
That is, only through a hearing where you state before the Judge that you are unable to pay the debt, so that your name appears as negative in the consultations.
We know that it doesn’t happen that way.
With that, the Consumer Protection Associations that act to rehabilitate you in the market and legalize your name appear.
Meet ABRADECO, a company specialized in Credit Recovery, for over 10 years.
It operates throughout the national territory, making people and companies resume their financial lives.
To learn more about how to clear your name before you even pay your debt, contact us.