Em 2023, um marco preocupante foi registrado: milhões de brasileiros endividados. A pandemia da covid-19 agravou a situação financeira de muitos, resultando em um aumento significativo das dívidas. Segundo a Pesquisa de Endividamento e Inadimplência do Consumidor (Peic), 78,5% das famílias brasileiras possuíam alguma dívida em julho de 2023.
🔍 Mas, o que acontece com dívidas antigas? Muitas pessoas têm dívidas que datam de muitos anos e, em muitos casos, essas dívidas já prescreveram. Isso significa que, após um determinado período, o credor não pode mais recorrer à via judicial para cobrar a dívida. No entanto, a dívida não desaparece e ainda pode ser cobrada por meios administrativos.
⚖️ De acordo com o Código Civil Brasileiro, existem prazos de prescrição para diferentes tipos de dívidas. Após esse prazo, o nome do devedor não pode ser mantido em bancos de dados de proteção ao crédito, mas a cobrança ainda pode continuar por outros meios.
🤔 Portanto, é crucial estar ciente de seus direitos e obrigações. Se você tem dívidas antigas, é aconselhável buscar orientação jurídica para entender sua situação e as possíveis soluções.
Fonte: Jornal Jurid
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