{"id":11188,"date":"2022-09-05T17:13:21","date_gmt":"2022-09-05T22:13:21","guid":{"rendered":"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/?p=11188"},"modified":"2022-09-05T17:13:23","modified_gmt":"2022-09-05T22:13:23","slug":"divida-de-emprestimo-bancario-prescreve","status":"publish","type":"post","link":"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/blog\/resolva-sua-divida\/divida-de-emprestimo-bancario-prescreve\/","title":{"rendered":"D\u00edvida de empr\u00e9stimo banc\u00e1rio prescreve?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Um pequeno deslize nas finan\u00e7as pode acabar resultando na necessidade de pegar um <strong>empr\u00e9stimo banc\u00e1rio<\/strong>. Com taxas e juros que se acumulam, o incumprimento torna-se realidade e assim surge uma dor de cabe\u00e7a na sua vida, que pode parecer bem dif\u00edcil de resolver.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O que muitas pessoas n\u00e3o sabem \u00e9 que toda d\u00edvida possui um prazo de <strong>prescri\u00e7\u00e3o<\/strong>, ou seja, ap\u00f3s um tempo determinado, voc\u00ea n\u00e3o tem mais a obriga\u00e7\u00e3o de cumprir com a <strong>d\u00edvida de empr\u00e9stimo banc\u00e1rio<\/strong>. Mas ser\u00e1 que vale a pena esperar a <strong>prescri\u00e7\u00e3o de d\u00edvida?<\/strong> Entenda mais sobre o assunto ao ler o artigo de hoje!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/resolvasuadivida.com.pt\/\">O que \u00e9 a prescri\u00e7\u00e3o de d\u00edvida?<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quando falamos em <strong>prescri\u00e7\u00e3o de d\u00edvidas<\/strong>, estamos nos referindo \u00e0 perda de um prazo ou do direito do credor de exigir seu pagamento por meios judiciais. Quando um consumidor possui uma d\u00edvida, a empresa credora pode acionar diversos recursos para cobrar o pagamento deste d\u00e9bito.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Um destes recursos \u00e9 o judicial, que pode resultar em uma s\u00e9rie de preju\u00edzos para quem deve. Ao fim de determinado prazo, a Lei entende que o credor perdeu o interesse no pagamento da d\u00edvida, e por n\u00e3o ter exercido o seu direito de cobran\u00e7a por meios judiciais quando o tinha, quem deve n\u00e3o \u00e9 mais obrigado a pagar a d\u00edvida.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ap\u00f3s a <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>, esse recurso fica indispon\u00edvel e as cobran\u00e7as passam a ser obrigatoriamente apenas administrativas. No geral, hoje essas cobran\u00e7as s\u00e3o feitas por cartas, e-mails, liga\u00e7\u00f5es ou mensagens de texto. O C\u00f3digo Civil estabelece um prazo de 20 anos para a <strong>prescri\u00e7\u00e3o <\/strong>poder ser invocada pelo devedor, mas h\u00e1 uma s\u00e9rie de situa\u00e7\u00f5es que t\u00eam um prazo bem mais curto, como \u00e9 o caso da <strong>d\u00edvida de empr\u00e9stimo banc\u00e1rio<\/strong>. Confira a seguir!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/resolvasuadivida.com.pt\/\">Qual o prazo de prescri\u00e7\u00e3o das d\u00edvidas banc\u00e1rias?<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O artigo 310.\u00ba&nbsp; do C\u00f3digo Civil do Decreto-Lei n.\u00ba 47344 diz que o prazo estipulado para a <strong>prescri\u00e7\u00e3o das d\u00edvidas de empr\u00e9stimo banc\u00e1rio<\/strong> \u00e9 de 5 anos, o que tamb\u00e9m \u00e9 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 v\u00e1lido ressaltar que na maior parte dos casos o que acontece \u00e9 que o credor aciona os meios legais para garantir o recebimento do <strong>empr\u00e9stimo banc\u00e1rio<\/strong>, dentro do prazo determinado, n\u00e3o havendo lugar \u00e0 <strong>prescri\u00e7\u00e3o da d\u00edvida<\/strong>, principalmente se os valores forem altos. Caso a sua d\u00edvida, de fato, chegue a prescrever, lembre-se que o processo n\u00e3o \u00e9 autom\u00e1tico e que voc\u00ea deve invocar a prescri\u00e7\u00e3o, conforme explicaremos logo abaixo. Continue lendo!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Como invocar a prescri\u00e7\u00e3o de d\u00edvida de empr\u00e9stimo banc\u00e1rio<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se passados os cinco anos estipulados para a<strong> d\u00edvida de empr\u00e9stimo banc\u00e1rio prescrever<\/strong>, voc\u00ea ainda n\u00e3o tiver recebido nenhuma cobran\u00e7a por vias judiciais, deve invocar de forma judicial ou extrajudicial o fim do prazo, como \u00e9 indicado no artigo 303\u00ba do C\u00f3digo Civil.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para isso, tem de enviar uma carta registada com aviso de rece\u00e7\u00e3o para a entidade credora, ap\u00f3s confirmar que a d\u00edvida est\u00e1 prescrita. Depois, caso seja cobrado, pode recusar o pagamento da<strong> d\u00edvida de empr\u00e9stimo banc\u00e1rio<\/strong>, pois ela deixa de ser exig\u00edvel de forma judicial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/resolvasuadivida.com.pt\/\">Vale a pena esperar a prescri\u00e7\u00e3o de d\u00edvida de empr\u00e9stimo banc\u00e1rio?<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como j\u00e1 adiantamos previamente, no caso das <strong>d\u00edvidas de empr\u00e9stimo banc\u00e1rio<\/strong>, especialmente, aguardar a <strong>prescri\u00e7\u00e3o<\/strong> n\u00e3o \u00e9 uma solu\u00e7\u00e3o ou op\u00e7\u00e3o favor\u00e1vel. Isto porque, por se tratar geralmente de montantes elevados, as institui\u00e7\u00f5es financeiras procuram sempre que os clientes liquidem as suas d\u00edvidas \u2013 \u00e9 por isso que muitas vezes s\u00e3o pedidas garantias banc\u00e1rias aos clientes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por isso, fique atento aos pagamentos e cobran\u00e7as para ter certeza de que n\u00e3o ir\u00e1 at\u00e9 mesmo sofrer com as consequ\u00eancias de ter seus bens penhorados. Se voc\u00ea tem <strong>empr\u00e9stimos banc\u00e1rios<\/strong> e outras d\u00edvidas,<strong> <\/strong>e possui dificuldades em pagar diversas mensalidades, existe a possibilidade de consolidar os pagamentos, ficando a pagar uma s\u00f3 mensalidade, entrando em acordo com a institui\u00e7\u00e3o credora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al\u00e9m disso, pode entrar em contato com o banco para negociar novas condi\u00e7\u00f5es de pagamento, que se enquadrem melhor com sua realidade financeira e permitem que voc\u00ea quite suas<strong> d\u00edvidas de empr\u00e9stimo banc\u00e1rio<\/strong> e saia do incumprimento. Isso ir\u00e1 garantir mais seguran\u00e7a financeira para voc\u00ea e sua fam\u00edlia<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Um pequeno deslize nas finan\u00e7as pode acabar resultando na necessidade de pegar um empr\u00e9stimo banc\u00e1rio. Com taxas e juros que se acumulam, o incumprimento torna-se realidade e assim surge uma dor de [&#8230;]<\/p>\n<p><a class=\"read-more\" href=\"https:\/\/dev.resuelvetudeuda.com\/pt-pt\/blog\/resolva-sua-divida\/divida-de-emprestimo-bancario-prescreve\/\">Ler mais<\/a><\/p>\n","protected":false},"author":70,"featured_media":11190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-11188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-resolva-sua-divida"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00edvida de empr\u00e9stimo banc\u00e1rio prescreve? | Resuelve Tu Deuda Portugal<\/title>\n<meta name=\"description\" content=\"Um pequeno deslize nas finan\u00e7as pode acabar resultando na necessidade de pegar um empr\u00e9stimo banc\u00e1rio. 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