Not paying your bills

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spanishpete Serial expat

Member since 01 August 2013

spanishpeteSerial expat25 January 2016 14:17:31

772

Hi everyone
Ive just been told by some Brazilians. that if you have a car on finances, and you don't pay all of the finance, then no one will reposition the car, and you can keep it
Is this right here

James ViP

Member since 20 June 2010

Brazil & Canada Expert

JamesViP25 January 2016 15:48:38

11272

Not true, if you have failed to pay all the installments on a vehicle then the creditor will apply to the court for an order of "Busca e Apreensão" and will repossess the vehicle if they are able to find it. Also you have provided them with your CPF number and they will register you with SPC and SERASA, you will not be able to get credit for anything until you debt is paid. The process is the same with any debt or bad checks, your name gets on the credit reporting agency and you can't get credit, you can't open a bank account, you can't arrange most services like electric, water, gas or telephone, etc.

Cheers,
James
expat.com Experts Team

Bardamu Serial expat

Member since 04 September 2012

BardamuSerial expat25 January 2016 16:59:39

607

Anyone missed to pay a boleto in time (another great brazilian invention) and receive agressive letter very quickly? Happened to me with a water utility company and it was a bit stressfull.
My experience is that brazilians companies are fast about following up payment. Like in all countries they are certainly some people on the edge of the law that get away with it.

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