Banks launch a national debt renegotiation task force; See how you participate

This month, Brazilian citizens who are Negatives can participate in the second task force of Debt Negotiation With banks and financial guidance. The campaign is being promoted by the Brazilian Federation of Banks (FEBRABAN) together with the Central Bank, the National Consumer Trust (Senacon) and Procons.

According to official information, more than 160 financial institutions are participating in the negotiations. Through the procedure, consumers can better negotiate their debts and get out of default.

Serasa data indicates that a total of 67.98 million people are currently negative in the country. Debt mostly refers to credit cards, overdrafts, loans, bank financing, water, electric and gas bills, and store installments.

How do you participate in the trading campaign?

Citizens interested in their own negotiation Debts The platform can be accessed Consumer.gov.br or the moterao page, to initiate the procedures for the payment of arrears. Also, through the platforms, citizens can access information on how to organize their accounts and financial health tips.

It is important to note that the event will be available throughout the month of November. Therefore, interested parties can carry out the procedure until the 30th of this month.

Debt can be negotiated directly with financial institutions. In addition, the campaign will offer discounts and special deadlines for passive debtors to settle their debts. However, each bank will set the trading rules and conditions.

What debt can I negotiate?

According to the information received from the campaign, negotiation can be requested in the following cases:

any overdue debts with financial institutions, except for those with assets provided as collateral;
Credit card debit, forwarding credit, overdraft and other types of credit.

It is important to note that in the latest collective effort, a total of 1.7 million overdue contracts were negotiated.

These subtle tips will make your name pop out of SPC/SERASA

Having an inappropriate name can be a hindrance for many citizens. Thus, having a regular CPF at all times is essential. So, check out some Tips This will definitely help you Leave the SPC / Serasa registration.

To start with, the dirty name is a common term we use to refer to people with CPF restrictions – Cadastro Pessoa Física. This usually happens when a person fails to pay their bills or even takes out a loan and is unable to pay it back.

However, it is possible to change this case and clarify the name again in SPC / Serasa. Learn how to get your name out of SPC/SERASA in this article.

How do I check if my name is dirty?

Currently, there are three main entities that register consumers with dirty names: Serasa, Boa Vista SCPC, and SPC Brasil. Each of them has information from certain companies, and in this sense, the consultation should be carried out in all available channels.

sera

fur serasa site;
Through the application available for Android and iOS.
By phone, call 0800591 1222.

Boa Vista SCPC

From the Boa Vista SCPC website;
Through the application available for Android and iOS.

SPC Brazil

through the SPC Brazil website;
Through the application available for Android and iOS.

Consequences of having a dirty name

Here are some of the consequences of getting a sloppy name:

Borrowing difficulties
Difficulty obtaining any type of financing, whether it is for real estate, cars, or others.
Difficulty opening a checking account or getting a new credit card (for those who already have one, banks can prevent overdrafts and cancel the issuance of new checkbooks).