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Hammer strike puts Brazilians with debts of more than 5 years at risk and Serasa speaks out
Os Brazilians with debts were taken by surprise by a recent decision by the Superior Court of Justice (STJ), which puts at risk millions of people who were already confident that their financial debts were time-barred after five years. Now, even with the statute of limitations on the debt, the name remains on the Serasa. This change brings new challenges for those trying to recover credit in the market.
With more than 62,5 million people with bad credit in Brazil, this decision directly affects a significant portion of the population., especially those who counted on “expiry” of the debt after five years. But what, in fact, has changed?
Name on Serasa even with prescribed debt: what does this mean?
Until then, the rule was clear: After five years, the debt would expire, and the debtor's name would be removed from default records, such as Serasa. This exclusion was also important for calculating the Score, an index used by financial institutions to assess consumer credit.
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With the new decision, the debt remains statute-barred, meaning the creditor can no longer legally collect from the debtor. However, the STJ determined that the debtor's name will not be completely removed from the Serasa registry, but rather from areas such as Serasa Limpa Nome, which may continue to make access to credit difficult for millions of Brazilians with debts.
STJ decision: understand the case
O The case that led to the decision involved a debtor with a prescribed debt, who requested that his name be removed from the Serasa Limpa Nome registry. He went to court asking for the debt to be considered unenforceable and that his name be removed from any list of debtors. However, the STJ denied the request.
The justification was that, although the debt had expired and could no longer be collected judicially, it still remained at the origin, and the debtor's name remained on the register., which may impact your financial history.
How to clear your name on Serasa?
If you are among the millions of Brazilians with debts and wants to clear his name, the Serasa offers an opportunity to settle outstanding debts with discounts that can reach 90%. This program aims to facilitate the financial regularization of consumers and improve their chances of returning to the credit market.
The step by step is simple:
Access the app or website Serasa Clean Name;
Log in to the platform and click on “Solutions”;
Select the “validate payment method” option;
Fill in the field with the Pix code or boleto received;
If the code is trustworthy, just pay securely.
O Serasa recommends that, if the code is not identified, the user reviews the data before making the payment, ensuring that they are dealing with a valid charge.
New scenario for Brazilians with debts
A The STJ decision creates a new scenario for Brazilians with debts, since, although the statute of limitations continues to prevent legal collection, the impact on the Serasa registry persists. For those looking to clear their name, the program Serasa Clean Name is a valuable opportunity, but the new rule makes it clear that the fight for a financial track record clean will be more challenging than ever.
Now, more than never, It is essential that consumers seek to regularize their outstanding debts, taking advantage of renegotiation opportunities and keeping themselves informed about their financial rights and responsibilities.
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Leave your comment so we can know your opinion! This new decision by the STJ on the Brazilians with debts is causing a lot of discussion. Do you think this will further complicate the lives of those who are already in debt or do you see this measure as an incentive to settle outstanding debts?
Even the president owes; I won't owe!
Brazilians need a salary and education to match!
Where is the law? As far as I know, it has to be legislated, approved by the Chamber of Deputies, deliberated by the Senate, sanctioned and signed by the current president, after being published in the Official Gazette. The STJ's decision alone is not valid for everyone. It is an isolated fact. From what I understand, the STJ does not have the authority to legislate.
Furthermore, not everyone with a CPF restriction is an individual. I was scammed on my credit card and was robbed of approximately R$4.000,00. On July 08, 07, when I realized the scam, I contacted CEF's SAC, blocked my credit card and added that I did not recognize 2021 debts made by the "swindler". CEF refused to suspend the three debts. Today, they are charging me R$3. Who should be penalized, me with my CPF, or CEF?
I will wait five years, and if this decision does not become law, I will file a lawsuit against the CEF. It was criminalized for not having completed the protocol. And as for the STF decision, in my opinion, it sets a precedent for my case, criminalizing the CEF, in addition to SERASA, if my name is not removed from default.
SERASA makes threats every day. Be careful!
We Brazilians are not that uninformed! Besides, I have never owed and I do not owe anything I buy.
In view of the above, I request that SERASA take it easy with its notices of invitations to collect debts. This is already constituting threats, in addition to embarrassment to those with restrictions on their CPF. It doesn't matter if it's because they were SCAMMED by a con artist, as in my case. Either way, the person is really an individual.
BE CAREFUL with your SERASA texts!!
In this “Government”, will things never be easy for the poor guy?
CONGRATULATIONS, LOVE HAS WON ONCE AGAIN……IT IS BETTER TO FORGIVE OTHER COUNTRIES’ DEBTS THAN TO FORGIVE YOUR PEOPLE’S DEBTS….VERY WELL DONE! DO THE L.