On September 1, 2022, the Official Gazette (DOU) published two notices regulating the renegotiation small debts and irrecoverable credits. Therefore, in today's article, we will explain a little more about how this debt renegotiation works and its conditions.
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How does debt renegotiation work?
Several situations can cause default – non-compliance with an obligation, in this case, non-payment of something. However, even if they owe, it is a citizen's right to renegotiate their debts.
Being a right guaranteed by the Consumer Defense Code (CDC), where the customer can propose debt renegotiation when there are delays in the payment, the goal is to get a reduction in interest and late fees and try to negotiate a price according to your budget. allows.
Such renegotiation consists of ensuring that the debtor pays what is owed and that the creditor receives what is rightfully his. It should be noted that the creditor is entitled to a counterproposal.
Check out the main questions on this topic now:
1. Who can request renegotiation?
Around 100,000 taxpayers – whether individuals or micro and small companies – can now request the renegotiation of low-value debts with the Federal Revenue Service. Such debts can be paid with discounts and installments in up to 52 installments. In addition, 2,500 taxpayers will be able to renegotiate irrecoverable tax credit debts. This renegotiation can also be paid at a discount and paid in up to 120 installments.
For bankrupt companies – or in recovery – or for individuals with a high debt, totaling 10 thousand taxpayers, may renegotiate irrecoverable tax credits through the individual transaction proposed by the contributor. This modality can be paid at a discount and paid in up to 145 installments.
2. How to renegotiate these debts?
The renegotiation can be done through the tax transaction modality and can be carried out through a public notice or by individual proposals made by the debtor - and also by the Federal Revenue Service.
