In times of economic uncertainty, many Brazilians find themselves in default, accumulating debts that seem impossible to pay off. In this context, debt renegotiation appears as a light at the end of the tunnel, offering the possibility of clearing one's name and regaining financial control. SERASA, one of the largest credit analysis companies in Brazil, plays a crucial role in this process, facilitating agreements between creditors and debtors. One of the most frequently asked questions is which debts can be forgiven in this renegotiation process. This article aims to clarify this doubt and provide guidance on how to successfully renegotiate your debts.
What Is Debt Renegotiation?
Renegotiating debts means contacting the creditor to discuss new payment terms that are more viable for the debtor. This may include reducing interest, extending the payment period or even reducing the total amount owed. The objective is to find a middle ground that allows the debtor to honor his commitment without compromising his livelihood.
What Debts Can Be Forgiven?
Bank Debts
They include personal loans, credit card debts and overdrafts. Many banks offer negotiation programs to reduce interest and split the amount owed on more favorable terms. In some cases, a portion of the principal amount may also be forgiven.
Debts with Service Companies
Telephone, water, electricity and internet bills can also be negotiated directly with the service providers. These companies frequently participate in renegotiation fairs promoted by SERASA, offering special conditions for paying off debts.
Retail Debts
Purchases made on credit at stores and retailers, as well as debts with store credit cards, are subject to negotiation. Discounts and installments may be offered to facilitate debt repayment.
How to Renegotiate
Consult your CPF
The first step is to access the SERASA website or app to check which debts are registered in your name. This consultation is free and can be done online.
Participate in Renegotiation Fairs
SERASA frequently organizes renegotiation fairs, both online and in person, in partnership with several creditor companies. These events are an excellent opportunity to obtain special payment conditions.
Use the SERASA Trading Platform
SERASA Experian offers an online platform where it is possible to negotiate directly with creditors. Simply access the service, choose the debt and check the available negotiation options.
Look for Creditors Directly
In some cases, it may be advantageous to contact the lender directly to discuss renegotiation options. Prepare a realistic proposal, considering your ability to pay.
Frequently Asked Questions (FAQ)
Can all debts be negotiated?
Most debts can be renegotiated, but there are exceptions, such as criminal fines and certain types of taxes.
Does renegotiation affect my credit score?
Initially, renegotiation may have a negative impact, but as debts are paid off, your score tends to improve.
Is it necessary to pay to renegotiate?
Consultation and debt renegotiation through the SERASA platform are free. However, pay attention to the conditions offered by creditors, which may include interest on installments.
Conclusion
Debt renegotiation is a valuable tool for those looking to recover their
financial health. SERASA facilitates this process, offering a bridge between debtors and creditors and promoting initiatives such as renegotiation fairs. Although not all debts can be completely forgiven, it is often possible to obtain more favorable payment terms that allow the debtor to clear their name and rebuild their financial life.
