{"id":11106,"date":"2022-02-11T20:51:00","date_gmt":"2022-02-12T02:51:00","guid":{"rendered":"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/?p=11106"},"modified":"2022-03-28T20:58:52","modified_gmt":"2022-03-29T02:58:52","slug":"quando-as-dividas-ao-banco-de-portugal-prescrevem","status":"publish","type":"post","link":"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/blog\/dividas\/quando-as-dividas-ao-banco-de-portugal-prescrevem\/","title":{"rendered":"Quando as d\u00edvidas ao Banco de Portugal prescrevem?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Apenas um m\u00eas mais complicado na sua vida financeira, pode resultar em uma dor de cabe\u00e7a muito mais longa que isso! A maioria dos portugueses recorre ao<strong> Banco de Portugal <\/strong>\u00e0 procura de cr\u00e9dito para quitar suas d\u00edvidas depois de cometer um deslize. E assim, as d\u00edvidas viram uma bola de neve, uma vez que voc\u00ea adquire novos d\u00e9bitos para tentar pagar os antigos. Ao descumprir com as suas presta\u00e7\u00f5es, acaba se tornando tamb\u00e9m devedor da institui\u00e7\u00e3o banc\u00e1ria \u00e0 qual solicitaram o cr\u00e9dito.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mas o que muitos ainda n\u00e3o sabem \u00e9 que as<strong> d\u00edvidas ao Banco de Portugal prescrevem<\/strong> e, neste caso, o devedor n\u00e3o \u00e9 mais obrigado a quitar esses valores. Entenda melhor no post de hoje!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>O que \u00e9 a prescri\u00e7\u00e3o de d\u00edvida?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>prescri\u00e7\u00e3o de uma d\u00edvida <\/strong>ocorre quando a mesma, ap\u00f3s determinado per\u00edodo de inadimpl\u00eancia, fica sem efeito por ter decorrido o prazo legal para sua cobran\u00e7a. Ou seja, ap\u00f3s um prazo legal espec\u00edfico o credor perde o direito de implementar uma a\u00e7\u00e3o legal sobre o devedor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 v\u00e1lido lembrar que todas as <strong>d\u00edvidas prescrevem<\/strong> em determinado per\u00edodo de tempo, no entanto n\u00e3o deixam de existir. O devedor tem sempre a obriga\u00e7\u00e3o de pagar e o credor tem sempre o direito de querer receber. O que acontece \u00e9 que ap\u00f3s decorrido o prazo legal o devedor pode recusar-se a liquidar os valores a serem pagos ao invocar a <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qual o prazo de prescri\u00e7\u00e3o das d\u00edvidas ao Banco de Portugal?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com o artigo 310.\u00ba&nbsp; do C\u00f3digo Civil do Decreto-Lei n.\u00ba 47344, o prazo estipulado para a <strong>prescri\u00e7\u00e3o das d\u00edvidas ao Banco de Portugal<\/strong> ou qualquer outra institui\u00e7\u00e3o banc\u00e1ria \u00e9 de 5 anos, o que tamb\u00e9m veio a ser corroborado pelo Tribunal da Rela\u00e7\u00e3o de \u00c9vora (TRE), no Ac\u00f3rd\u00e3o Processo n.\u00ba 1168\/16.0T8GMR-A.G1 de 08\/03\/2018.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No entanto, \u00e9 preciso ficar atento: na maioria dos casos o credor aciona os meios legais, para garantir o recebimento do valor em d\u00edvida dentro do prazo determinado, n\u00e3o havendo lugar \u00e0 <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>. Ou seja, dificilmente o credor deixar\u00e1 passar a d\u00edvida em branco sem te cobrar dentro do per\u00edodo em que ainda pode acionar meios legais. Caso ocorra a prescri\u00e7\u00e3o da d\u00edvida, lembre-se que o processo n\u00e3o \u00e9 autom\u00e1tico, e o devedor ter\u00e1 sempre de invocar a <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>. Saiba abaixo como fazer!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Minhas d\u00edvidas j\u00e1 duram mais de cinco anos, o que fazer?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ao fim do prazo de<strong> prescri\u00e7\u00e3o da d\u00edvida<\/strong>, esta deve ser invocada de forma judicial ou extrajudicial, como previsto no artigo 303\u00ba do C.C.. Ou seja, se voc\u00ea possui d\u00edvidas prescritas, deve enviar uma carta registrada com aviso de rece\u00e7\u00e3o para a entidade em quest\u00e3o.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Guarde tamb\u00e9m uma c\u00f3pia da mesma, como seguran\u00e7a, caso tenha alguma cobran\u00e7a indevida no futuro. Embora por e-mail tamb\u00e9m possa ser uma op\u00e7\u00e3o, o m\u00e9todo preferido ainda \u00e9 por carta registrada.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ap\u00f3s invocar a <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>, \u00e9 poss\u00edvel recusar seu pagamento, uma vez que esta deixa de ser exig\u00edvel judicialmente. Fique sempre atento, pois n\u00e3o h\u00e1 nada na Lei que o impe\u00e7a de pagar uma<strong> d\u00edvida prescrita<\/strong>. Ou seja, se depois de o fazer, n\u00e3o conseguir\u00e1 reaver o dinheiro.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Invocar a <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong> \u00e9 importante porque, legalmente, as empresas podem continuar a cobrar pelos pagamentos n\u00e3o realizados de forma extrajudicial. Por isso \u00e9 importante ressaltar: n\u00e3o \u00e9 suficiente j\u00e1 ter decorrido o prazo para sua d\u00edvida caducar. Voc\u00ea sempre ter\u00e1 que solicitar a<strong> prescri\u00e7\u00e3o da d\u00edvida <\/strong>formalmente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como ver minhas d\u00edvidas no Banco de Portugal<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lista de <strong>d\u00edvidas no Banco de Portugal <\/strong>encontra-se na p\u00e1gina da &#8220;Central de Responsabilidades de Cr\u00e9dito&#8221;. Se \u00e9 particular, siga os passos:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Aceda \u00e0 <a href=\"https:\/\/www.bportugal.pt\/area-cidadao\/formulario\/227\">\u00c1rea da CRC<\/a>;<\/li><li>Selecione o per\u00edodo temporal desejado (m\u00e1ximo de 5 anos);<\/li><li>Aceite os termos de acesso e carregue em \u201cautenticar e obter mapa\u201d;<\/li><li>Na nova p\u00e1gina, fa\u00e7a a autentica\u00e7\u00e3o com o seu NIF e c\u00f3digo de acesso ao Portal das Finan\u00e7as ou com o cart\u00e3o de cidad\u00e3o (requer leitor de cart\u00f5es, software adequado e pin de autentica\u00e7\u00e3o);<\/li><li>O sistema gera um documento PDF, que \u00e9 descarregado automaticamente para o seu computador.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Se quiser ver d\u00edvidas de uma empresa, a autentica\u00e7\u00e3o \u00e9 feita apenas com as credenciais de acesso ao Portal das Finan\u00e7as (o NIF e o c\u00f3digo de acesso). Para isso, \u00e9 s\u00f3 selecionar a \u00e1rea de &#8220;Empresas&#8221;, seguido de &#8220;Central de Responsabilidades de Cr\u00e9dito&#8221; (aceda diretamente <a href=\"https:\/\/www.bportugal.pt\/area-empresa\/formulario\/222\">neste link<\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9m \u00e9 poss\u00edvel obter esta informa\u00e7\u00e3o de forma presencial, diretamente nos balc\u00f5es de atendimento do <strong>Banco de Portugal <\/strong>(das 8h30 \u00e0s 15h00).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apenas um m\u00eas mais complicado na sua vida financeira, pode resultar em uma dor de cabe\u00e7a muito mais longa que isso! A maioria dos portugueses recorre ao Banco de Portugal \u00e0 procura [&#8230;]<\/p>\n<p><a class=\"read-more\" href=\"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/blog\/dividas\/quando-as-dividas-ao-banco-de-portugal-prescrevem\/\">Ler mais<\/a><\/p>\n","protected":false},"author":64,"featured_media":11050,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[98],"tags":[],"class_list":["post-11106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dividas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quando as d\u00edvidas ao Banco de Portugal prescrevem? | Resuelve Tu Deuda Portugal<\/title>\n<meta name=\"description\" content=\"...ap\u00f3s um prazo legal espec\u00edfico o credor perde o direito de implementar uma a\u00e7\u00e3o legal sobre o devedor....\" \/>\n<meta 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