A alegação de que uma dívida “expira” ou prescreve assim que completa cinco anos circula há anos. A premissa é verdadeira: uma dívida atrasada prescreve após esse período. No entanto, algumas inverdades podem ser ditas e causar confusão na cabeça das pessoas.
1. Se minha dívida prescreveu, não preciso mais pagá-la?
2. Assim que a dívida expira, ela para de interromper o score de crédito?
A resposta é sim. Dívidas em atraso há cinco anos ou mais não aparecem mais nos serviços de proteção ao crédito e também não interferem mais no score de crédito do Serasa.
3. Eu tenho uma dívida prescrita, pode dificultar um pedido de financiamento?
4. Após o vencimento da dívida, o banco ainda pode cobrar mais do devedor?
A resposta é sim. Como mencionado acima, após cinco anos, a dívida simplesmente não é visível no banco de dados do SPC ou Serasa. No entanto, ele continua existindo e pode ser cobrado pela instituição ou banco responsável.
Mas tenha cuidado: o banco pode cobrar a dívida após cinco anos, porém, perde o direito de acionar legalmente o devedor.




117 comentários em “Dívida ‘caduca’ depois de 5 anos? Veja os Mito e verdade e tire suas dúvidas.”
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