4 debts that seniors can get waived: CONFIRMED!

Find out how the Super-Indebtedness Law can exempt seniors from debt and alleviate their financial situation. Discover the types of eligible debts.

In a recent official statement, Serasa brought good news for thousands of Brazilians, especially for seniors over 60 years old. This is the Over-Indebtedness Law (Law 14,181/21), an initiative aimed at protecting people and families who face an excessive debt load.

In short, this measure aims to ease the financial burden that these people carry and represents a significant step towards financial stability.

The Over-Indebtedness Law is legislation that establishes guidelines to facilitate the renegotiation of excess debts, focusing especially on vulnerable groups, such as the elderly, illiterate, sick and those in a state of financial vulnerability. It seeks to provide necessary relief for those who find themselves in a delicate situation regarding their finances.

New from Serasa: Over-Indebtedness Law brings hope to elderly people with debt. (Credit: @jeanedeoliveirafotografia / pronatec.pro.br).

Seniors, see how to access Serasa benefits

First of all, to take advantage of the benefits offered by this Serasa action, you must meet some criteria established by the company. Below, check out the details about this new development that promises to bring relief to the financial situation of many elderly people:

1. Having insufficient income

Firstly, it is necessary to prove that the income is not enough to cover the debts, which is common among many elderly people who depend on retirement or pensions.

2. Accumulate necessary debt

Namely, eligible debts are those related to basic needs, such as water, electricity, telephone, gas bills, among other essential expenses.

3. Act in good faith

The law only applies to people who acted in good faith when contracting these debts, i.e. it does not apply to cases where debts were contracted with the deliberate intention of not being paid.

Furthermore, it is important to note that the law does not extend to debts related to taxes, traffic fines, outstanding child support, among other specific situations that are not covered by this legislation.

The 4 exempt debts for the elderly

The Super-Indebtedness Law offers the opportunity to completely cancel four types of debt that particularly affect the elderly and other groups in situations of financial vulnerability. Are they:

Basic consumption bills:

This includes water, electricity, telephone, gas and other essential utility bills, which often challenge those with limited financial resources.

Bills and consumer bills:

The law can also cover debts related to payment slips and purchase cards, providing significant relief for those facing this situation.

Loans with banks and financial institutions:

This includes personal loans, overdrafts and credit card debt, which are common among seniors.

Credits and installments in general

In addition, it is also possible to resolve debts arising from various installment plans and installments, relieving the financial pressure on the beneficiaries of this law.

This measure represents an important step to alleviate the financial situation of the elderly and other vulnerable groups, who often have a limited income, especially those who depend on INSS pensions, which on average are equivalent to a minimum wage. The Over-Indebtedness Law is an initiative that aims to bring relief and hope to those struggling to balance their finances in a challenging economic scenario.

We remind you that it is essential to seek appropriate legal and financial guidance to better understand how the Over-Indebtedness Law applies to your specific case and how you can benefit from it.

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