In Brazil and in the world, there are several people who are in a situation of default regarding the payment of their debts. In the case of Brazilians, the absence of settlement of debts results in the dreaded credit restriction. But, despite this restriction being known, many still wonder if those who have a name in the SPC Serasa lose rights. Understand!
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What does it really mean to have a “dirty name”?
Doubts about credit restrictions arise because many actually do not understand what this really means. Basically, those who have the 'dirty name' will not be able to access credit offers, which means not being able to have a credit card or buy in installments, resources that are so important in the market.
This certainly directly affects a large portion of citizens, who lose purchasing power and are sometimes unable to support themselves. For the economy as a whole, this can also be quite harmful, since workers' consumption possibilities are reduced and less money remains in circulation.
To have this restriction, you must not pay any debt after its due date. However, we cannot confuse them with those who have credit card, credit card or loan installments. After all, the debt must pass the date established for payment.
Does a worker with a “dirty name” lose rights?
Commonly, there is the thought that the one who owes has no right to anything, but this is far from the truth. This is because the Law guarantees that the worker is treated with the same human dignity, even with a debt in his name. Therefore, he continues with the right to apply to the INSS, open bank accounts and have all the documents.
In addition, the Law also states that for no reason the worker can be charged in an abusive way by his collectors, nor can he be exposed before society. Finally, it is worth mentioning that there are many situations in which there is the possibility of making the name 'clean' again, through discounts for debt payments.