For many people, the dirty name, which is on Serasa, ceases to appear after 5 years. However, we will see that this is not true. What happens is that your name on the Serasa it doesn't come out after 5 years, the creditor just can't go to court anymore to charge you. Learn more as you read.
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See what happens to the debt after 5 years at Serasa
Many people do not know that their name does not leave Serasa's list and believe they are exempt from the debts that were contracted. However, what happens is that the debt is still there and you still have to pay it off.
After 5 years appearing in Serasa, the creditor loses the right to negate his name because of the debt, but that does not mean that it will not be charged. Collections usually continue to happen through calls, letters, SMS, and other means of communication.
Credit card debts, for example, prevent you from having other cards even if your name is clean. Different from what many think, you have to pay the debt to stay free.
Do the charges stop happening?
As previously mentioned, the charges continue to happen, as the fact that the name is off the list does not mean that the debt has been forgiven. The creditor has the right to receive the amount you owe, he just cannot put it in court.
So if it's been five years and the debt still hasn't been paid off, you're still in debt. However, when other companies, other than the one you own the debt, consult your data, they will not find any irregularities.
It is worth noting that debt does not affect your score, nor does it prevent you from getting credit from other institutions/companies. So, don't believe everything you hear out there, it's good to inform yourself and if possible pay the debt so that your name is completely cleared.
