{"id":19432,"date":"2021-03-29T19:22:30","date_gmt":"2021-03-29T19:22:30","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19432"},"modified":"2021-03-29T19:22:34","modified_gmt":"2021-03-29T19:22:34","slug":"qual-a-diferenca-entre-protesto-e-negativacao","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/qual-a-diferenca-entre-protesto-e-negativacao\/","title":{"rendered":"Jak\u00fd je rozd\u00edl mezi protestem a odm\u00edtnut\u00edm?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-protesto-ou-negativa%C3%A7%C3%A3o-\"><strong>Protest nebo pop\u0159en\u00ed?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Protesto ou negativa\u00e7\u00e3o? (Imagem: Finan\u00e7asFEMININAS)\"  id=\"19577\" src=\"https:\/\/ucarecdn.com\/d297576c-5100-4e1d-8d08-d7a97adc114d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Protest nebo pop\u0159en\u00ed? (Obr\u00e1zek: FINANCESFEMININAS)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nen\u00ed snadn\u00e9 m\u00edt na o\u010d\u00edch ve\u0159ejnosti \u0161pinav\u00e9 jm\u00e9no a b\u00fdt bez p\u0159\u00edstupu k \u00fav\u011bru, kdy\u017e je to nutn\u00e9 kv\u016fli protestu nebo pop\u00edr\u00e1n\u00ed. Proto \u010dasto p\u0159em\u00fd\u0161lejte, ne\u017e si vezmete velk\u00fd dluh nebo zaplat\u00edte na spl\u00e1tky za n\u00e1kupy kreditn\u00ed kartou, proto\u017ee byste mohli ztratit kontrolu nad sv\u00fdmi v\u00fddaji.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V\u00edme, \u017ee nen\u00ed snadn\u00e9 organizovat sv\u00e9 finance a prov\u00e1d\u011bt platby na konci m\u011bs\u00edce. N\u011bkdy, kdy\u017e jde do tuh\u00e9ho, va\u0161e jm\u00e9no m\u016f\u017ee b\u00fdt protestov\u00e1no nebo dokonce negativn\u00ed. Ale co tyto dva pojmy skute\u010dn\u011b znamenaj\u00ed?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vym\u00e1h\u00e1n\u00ed pohled\u00e1vky nen\u00ed pro spole\u010dnost v\u016fbec jednoduch\u00e9, proto\u017ee to m\u016f\u017ee zcela zm\u011bnit vztah kupuj\u00edc\u00edho ke spole\u010dnosti. Nep\u0159ijet\u00ed platby v\u0161ak nen\u00ed jednou z nejlep\u0161\u00edch alternativ, a proto existuj\u00ed dva zp\u016fsoby, jak prov\u00e9st platbu, pokud je po splatnosti. Jsou to: protestov\u00e1n\u00ed a zap\u00edr\u00e1n\u00ed z\u00e1kazn\u00edka.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V tomto \u010dl\u00e1nku budete p\u0159esn\u011b v\u011bd\u011bt, jak\u00fd je rozd\u00edl mezi t\u011bmito dv\u011bma term\u00edny, a tak\u00e9 pochop\u00edte, jak napravit svou situaci, pokud bylo va\u0161e jm\u00e9no protestov\u00e1no nebo je negativn\u00ed. Z\u016fsta\u0148te s n\u00e1mi a zjist\u011bte v\u0161e o t\u00e9matu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-que-%C3%A9-protesto-\"><strong>Co je protest?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que \u00e9 protesto? (Imagem: MarceloBenevides)\"  id=\"19578\" src=\"https:\/\/ucarecdn.com\/5ae5949f-9318-4456-ba20-47e1975f149a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Co je protest? (Obr\u00e1zek: MarceloBenevides)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mnoho lid\u00ed nech\u00e1pe, co to znamen\u00e1 protestovat a jak regulovat tento nevy\u0159e\u0161en\u00fd probl\u00e9m. My v\u00e1m ale vysv\u011btl\u00edme: protest je v podstat\u011b to, kdy\u017e osoba nebo firma nesplat\u00ed jistotu a v\u011b\u0159itel tento dluh p\u0159ihl\u00e1s\u00ed u not\u00e1\u0159e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, protest je akt, kter\u00fd se kon\u00e1 ve\u0159ejn\u011b, ve kter\u00e9m spole\u010dnost, kterou vlastn\u00edte, mus\u00ed ozn\u00e1mit tento dluh not\u00e1\u0159i a formalizovat inkaso. Aby k tomu ale do\u0161lo, mus\u00ed spole\u010dnost podrobn\u011b shrom\u00e1\u017edit pot\u0159ebn\u00e9 informace a dokumentaci k prok\u00e1z\u00e1n\u00ed dluhu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tento proces pouze spojuje jm\u00e9no spot\u0159ebitele v prodlen\u00ed s dluhem, dokud nen\u00ed definitivn\u011b uhrazen, a toto propojen\u00ed je povinn\u00e9 v p\u0159\u00edpad\u011b budouc\u00edho pr\u00e1vn\u00edho jedn\u00e1n\u00ed. Jakmile je \u0159\u00edzen\u00ed ukon\u010deno, not\u00e1\u0159sk\u00fd \u00fa\u0159ad neprodlen\u011b informuje o protestu org\u00e1ny ochrany \u00fav\u011bru (SPC\/Serasa).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud dluh nebude zaplacen, mohou \u00fadaje z\u016fstat v evidenci a\u017e 10 let. Slou\u017e\u00ed tedy jako podpora, aby mnoho spole\u010dnost\u00ed v budoucnu, kdy\u017e konzultuj\u00ed va\u0161e jm\u00e9no, bylo informov\u00e1no o tomto dluhu a rozhodlo se, zda je nebo nen\u00ed \u017eivotaschopn\u00e9 poskytnout spot\u0159ebiteli \u00fav\u011br.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-o-que-significa-o-nome-ir-para-protesto-\"><strong>Co znamen\u00e1 n\u00e1zev j\u00edt na protest?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que significa o nome ir para protesto? (Imagem: Foregon)\"  id=\"19579\" src=\"https:\/\/ucarecdn.com\/107b7e9c-f4b8-4737-b52b-fb3718ca00e8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Co znamen\u00e1 n\u00e1zev j\u00edt na protest? (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nyn\u00ed, kdy\u017e v\u00edte, co to znamen\u00e1 m\u00edt sv\u00e9 jm\u00e9no na protest, p\u0159i\u0161el \u010das zjistit, jak to funguje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nejprve se z\u00e1stupce spole\u010dnosti dostav\u00ed do not\u00e1\u0159sk\u00e9 kancel\u00e1\u0159e a p\u0159edlo\u017e\u00ed doklad o tom, \u017ee spot\u0159ebitel dluh neuhradil. Od t\u00e9to chv\u00edle je na not\u00e1\u0159i, aby analyzoval pravdivost skute\u010dnost\u00ed a rozhodl, zda proti dluhu bude protestovat \u010di nikoli.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Po schv\u00e1len\u00ed dluhu vyd\u00e1 not\u00e1\u0159 v\u00fdzvu, kter\u00e1 bude doru\u010dena p\u0159\u00edmo dlu\u017en\u00edkovi. Tak\u017ee jm\u00e9no dlu\u017en\u00edka je kompromitov\u00e1no a\u017e do \u00fapln\u00e9ho splacen\u00ed dluhu. Pokud se tak nestane, dluh osoby je registrov\u00e1n u not\u00e1\u0159e p\u0159ibli\u017en\u011b 10 let, na rozd\u00edl od p\u0159\u00edpadu, kdy je dluh registrov\u00e1n pouze u SPC nebo Serasa, zb\u00fdv\u00e1 p\u0159ibli\u017en\u011b 5 let. let.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>M\u00edt sv\u00e9 jm\u00e9no na protest se rovn\u00e1 \u0161pinav\u00e9mu jm\u00e9nu, ale s form\u00e1ln\u00ed registrac\u00ed a nav\u00edc s dluhem, kter\u00fd trv\u00e1 a\u017e 10 let, pokud nebudete schopni spl\u00e1cet. Jin\u00fdmi slovy, teoreticky, pokud se rozhodnete nezaplatit, budete m\u00edt pot\u00ed\u017ee s \u010derp\u00e1n\u00edm p\u016fj\u010dek a poskytov\u00e1n\u00edm \u00fav\u011br\u016f obecn\u011b po dobu 10 let.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>T\u00edmto zp\u016fsobem v\u00e1s finan\u010dn\u00ed instituce uzn\u00e1vaj\u00ed jako \u0161patn\u00e9ho pl\u00e1tce, co\u017e znamen\u00e1, \u017ee teoreticky \u017e\u00e1dn\u00e1 finan\u010dn\u00ed instituce s v\u00e1mi nebude cht\u00edt spolupracovat.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-como-regularizar-seu-nome-quando-vai-para-protesto-\"><strong>Jak uspo\u0159\u00e1dat sv\u00e9 jm\u00e9no, kdy\u017e se chyst\u00e1te protestovat?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como regularizar seu nome quando vai para protesto? (Imagem: Serasa)\"  id=\"19580\" src=\"https:\/\/ucarecdn.com\/1cd8773b-01da-43b6-94ef-05d8487b2549\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak uspo\u0159\u00e1dat sv\u00e9 jm\u00e9no, kdy\u017e se chyst\u00e1te protestovat? (Obr\u00e1zek: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pro v\u0161echno ve finan\u010dn\u00edm sv\u011bt\u011b existuje v\u00fdchodisko, ale v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b neexistuje jin\u00e1 mo\u017enost, ne\u017e zaplatit dlu\u017en\u00e9 pen\u00edze, abyste se z toho dostali.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prvn\u00edm krokem je v\u0161ak nahl\u00e9dnout do va\u0161eho CPF na webov\u00e9 str\u00e1nce Serasa Consumidor, proto\u017ee po konzultaci budete v\u011bd\u011bt, u kter\u00e9ho matri\u010dn\u00edho \u00fa\u0159adu je va\u0161e jm\u00e9no registrov\u00e1no.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na str\u00e1nce se objev\u00ed \u010d\u00edslo a m\u00edsto not\u00e1\u0159e, nap\u0159\u00edklad: Cart 01, S\u00e3o Paulo. V\u00edce informac\u00ed o lokalit\u011b si proto vyhledejte na Googlu, proto\u017ee budete muset zaj\u00edt na matri\u010dn\u00ed \u00fa\u0159ad, kde zjist\u00edte, kdo protestoval, a dal\u0161\u00ed informace o dluhu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jakmile to bude hotovo, zjist\u00edte, kdo je v\u011b\u0159itel, a nyn\u00ed za\u010dne proces splacen\u00ed dluhu a sta\u017een\u00ed protestu na va\u0161e jm\u00e9no. Budete pot\u0159ebovat:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>1. Prove\u010fte spl\u00e1tky dluhu<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>2. Po\u017e\u00e1dejte v\u011b\u0159itele o souhlasn\u00fd dopis (prohl\u00e1\u0161en\u00ed, kde v\u011b\u0159itel schvaluje zru\u0161en\u00ed protestn\u00edho titulu nebo dluhov\u00e9 listiny).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>3. Vezm\u011bte na matri\u010dn\u00ed \u00fa\u0159ad souhlas s odstran\u011bn\u00edm protestu z va\u0161eho jm\u00e9na.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pak bude va\u0161e jm\u00e9no kone\u010dn\u011b jasn\u00e9. Podatelna m\u00e1 na odesl\u00e1n\u00ed p\u0159\u00edkazu k v\u00fdmazu a\u017e 5 pracovn\u00edch dn\u016f a po obdr\u017een\u00ed bude m\u00edt 24 hodin na jeho zru\u0161en\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud matri\u010dn\u00ed \u00fa\u0159ad uplyne lh\u016ftu, spot\u0159ebitel m\u016f\u017ee poslat oddac\u00ed list spole\u010dnosti Serasa Experian s jednoduch\u00fdm dopisem s uveden\u00edm jm\u00e9na, CPF, ID a adresy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je d\u016fle\u017eit\u00e9 zd\u016fraznit, \u017ee not\u00e1\u0159sk\u00e9 \u00fa\u0159ady \u00fa\u010dtuj\u00ed poplatek za legalizaci titul\u016f a ka\u017ed\u00fd not\u00e1\u0159sk\u00fd \u00fa\u0159ad si \u00fa\u010dtuje ur\u010ditou \u010d\u00e1stku, tak\u017ee nen\u00ed mo\u017en\u00e9 stanovit pr\u016fm\u011br, kter\u00fd m\u00e1 b\u00fdt zaplacen. Tip je opustit domov s extra, abyste nebyli zasko\u010deni.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-o-que-%C3%A9-negativa%C3%A7%C3%A3o-\"><strong>Co je to negativita?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que \u00e9 negativa\u00e7\u00e3o? (Imagem: NotiSul)\"  id=\"19581\" src=\"https:\/\/ucarecdn.com\/c77dff46-90c9-4a92-8ae7-a81cff775283\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Co je negace? (Obr\u00e1zek: NotiSul)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Spole\u010dnost se tak\u00e9 m\u016f\u017ee rozhodnout pop\u0159\u00edt sv\u00e9 jm\u00e9no m\u00edsto protestu kv\u016fli nesplacen\u00e9mu dluhu. T\u00edmto zp\u016fsobem spole\u010dnost t\u011bmto jednotlivc\u016fm zamezuje p\u0159\u00edstup k \u00fav\u011br\u016fm, aby je donutila vy\u0159e\u0161it probl\u00e9m splacen\u00edm sv\u00fdch dluh\u016f.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Akt pop\u0159en\u00ed tedy br\u00e1n\u00ed dlu\u017en\u00edkovi v p\u0159\u00edstupu k \u00fav\u011bru, proto\u017ee jeho dluh bude vystaven agentur\u00e1m pro ochranu \u00fav\u011br\u016f. Proto poka\u017ed\u00e9, kdy\u017e z\u00edsk\u00e1te kartu, po\u017e\u00e1d\u00e1te o p\u016fj\u010dku atd., instituce p\u0159i kontrole va\u0161eho CPF budou v\u011bd\u011bt, \u017ee m\u00e1te nesplacen\u00fd dluh. Proto je \u010d\u00edm d\u00e1l t\u011b\u017e\u0161\u00ed v\u011b\u0159it, \u017ee skute\u010dn\u011b zaplat\u00edte nap\u0159\u00edklad p\u016fj\u010dku, kterou jste si u nich vzali.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kdy\u017e se spole\u010dnost rozhodne pop\u0159\u00edt sv\u00e9 jm\u00e9no, budou \u00fadaje o jej\u00edm dluhu pou\u017eity ve v\u0161ech anal\u00fdz\u00e1ch na n\u00e1rodn\u00ed \u00farovni, zejm\u00e9na mezi obchody a podniky. Jin\u00fdmi slovy, a\u0165 jste kdekoli v Braz\u00edlii, va\u0161e jm\u00e9no bude i nad\u00e1le \u0161pinav\u00e9, dokud nebude dluh splacen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Krom\u011b toho je v\u00e1\u0161 dluh evidov\u00e1n v datab\u00e1z\u00edch SPC a Serasa po dobu a\u017e 5 let, ale i po uplynut\u00ed t\u00e9to lh\u016fty v\u00e1m m\u016f\u017ee b\u00fdt dluh \u00fa\u010dtov\u00e1n prost\u0159ednictv\u00edm spole\u010dnosti, kter\u00e9 jej dlu\u017e\u00edte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A po zaplacen\u00ed dluhu m\u00e1 v\u011b\u0159itel a\u017e 5 pracovn\u00edch dn\u016f na odstran\u011bn\u00ed jm\u00e9na spot\u0159ebitele ze syst\u00e9mu. Pokud se tak nestane, m\u016f\u017ee jednotlivec kontaktovat spole\u010dnost Procon, aby mohl b\u00fdt probl\u00e9m vy\u0159e\u0161en co nejrychleji.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-o-que-acontece-quando-seu-nome-%C3%A9-negativado-\"><strong>Co se stane, kdy\u017e se va\u0161e jm\u00e9no dostane na \u010dernou listinu?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que acontece quando seu nome \u00e9 negativado? (Imagem: JornalCont\u00e1bil)\"  id=\"19582\" src=\"https:\/\/ucarecdn.com\/67ad87f4-7c29-40d7-9cd0-8f372ecf61ae\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Co se stane, kdy\u017e se va\u0161e jm\u00e9no dostane na \u010dernou listinu? (Obr\u00e1zek: JornalCont\u00e1bil)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pro ty, kte\u0159\u00ed nespl\u00e1cej\u00ed sv\u00e9 dluhy a skon\u010d\u00ed se \u0161patn\u00fdm jm\u00e9nem, maj\u00ed ur\u010dit\u00e9 d\u016fsledky. T\u00edmto zp\u016fsobem se spole\u010dnost, kterou dlu\u017e\u00edte, nevzd\u00e1 z\u00edsk\u00e1n\u00ed va\u0161ich pen\u011bz zp\u011bt, proto\u017ee nem\u016f\u017eete platit nebo proto\u017ee m\u00e1te n\u011bjak\u00e9 pot\u00ed\u017ee.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proto p\u0159ed p\u0159evzet\u00edm dluhu mus\u00edte b\u00fdt dob\u0159e organizovan\u00ed a v\u011bd\u011bt, zda budete schopni \u010d\u00e1stku splatit a\u017e do konce. Pokud se tak nestane, va\u0161e jm\u00e9no skon\u010d\u00ed u agentur pro ochranu \u00fav\u011bru a vy budete muset \u010delit dal\u0161\u00edm pot\u00ed\u017e\u00edm. Ale te\u010f v\u00e1m vysv\u011btl\u00edme v\u0161e, co se stane, kdy\u017e je va\u0161e jm\u00e9no z\u00e1porn\u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159ed registrac\u00ed jm\u00e9na z\u00e1kazn\u00edka v syst\u00e9mu mus\u00ed agentura pro ochranu \u00fav\u011bru poslat dopis, v n\u011bm\u017e jej informuje o dluhu. Serasa nap\u0159\u00edklad po odesl\u00e1n\u00ed ozn\u00e1men\u00ed obvykle poskytuje lh\u016ftu 10 dn\u016f na zaplacen\u00ed v\u00fddaj\u016f. Pokud se tak nestane, jm\u00e9no dlu\u017en\u00edka vstoup\u00ed do va\u0161\u00ed datab\u00e1ze a m\u016f\u017ee b\u00fdt konzultov\u00e1no jakoukoli spole\u010dnost\u00ed, kter\u00e1 m\u00e1 p\u0159\u00edstup do Serasa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je t\u0159eba m\u00edt na pam\u011bti, \u017ee je to podnikatel, kdo mus\u00ed n\u00e9st n\u00e1klady na registraci jm\u00e9na dlu\u017en\u00e9ho klienta nap\u0159\u00edklad u spole\u010dnosti Serasa, proto\u017ee za tyto slu\u017eby ochrany \u00fav\u011bru se obecn\u011b plat\u00ed.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-como-regularizar-seu-nome-negativado-\"><strong>Jak uspo\u0159\u00e1dat sv\u00e9 negativn\u00ed jm\u00e9no?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como regularizar seu nome negativado? (Imagem: Foregon)\"  id=\"19583\" src=\"https:\/\/ucarecdn.com\/6cdb7988-2c3c-46f2-98dc-88750ad399ab\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak uspo\u0159\u00e1dat sv\u00e9 negativn\u00ed jm\u00e9no? (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je \u010dast\u00e1 ot\u00e1zka mezi Brazilci, proto\u017ee v zemi je v sou\u010dasnosti v\u00edce ne\u017e 60 milion\u016f lid\u00ed s po splatnosti. O p\u0159\u00edle\u017eitosti splatit dluhy v\u0161ak nen\u00ed nouze, proto\u017ee proces regularizace va\u0161eho negativn\u00edho jm\u00e9na lze prov\u00e9st r\u016fzn\u00fdmi zp\u016fsoby. Pod\u00edvejte se, jak se zbavit dluh\u016f a upravit svou situaci.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0165 u\u017e jste nezaplatili fakturu za kartu nebo p\u016fj\u010dku od finan\u010dn\u00ed instituce, nejz\u00e1kladn\u011bj\u0161\u00edm postupem je znovu projednat dluh s instituc\u00ed, v\u016f\u010di kter\u00e9 dluh dlu\u017e\u00edte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nejb\u011b\u017en\u011bj\u0161\u00edm zp\u016fsobem je kontaktovat spole\u010dnost a za\u010d\u00edt vyjedn\u00e1vat o platb\u011b. Proto, kdy\u017e je \u010d\u00e1stka velmi vysok\u00e1, m\u016f\u017ee si z\u00e1kazn\u00edk vybrat platbu ve spl\u00e1tk\u00e1ch a jakmile je prvn\u00ed spl\u00e1tka zaplacena, spole\u010dnost mus\u00ed kontaktovat agenturu, aby odstranila sv\u00e9 jm\u00e9no ze seznamu \u00fav\u011brov\u00fdch z\u00e1ruk. Pokud se v\u0161ak dluhy znovu opozd\u00ed, va\u0161e jm\u00e9no se vr\u00e1t\u00ed zp\u011bt na SPC nebo Serasa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sv\u016fj dluh m\u016f\u017eete znovu projednat tak\u00e9 prost\u0159ednictv\u00edm veletrh\u016f, kde je mo\u017en\u00e9 z\u00edskat speci\u00e1ln\u00ed podm\u00ednky pro splacen\u00ed dluhu. V\u011bnujte proto tomuto typu p\u0159\u00edle\u017eitosti pozornost, proto\u017ee spo\u0159en\u00ed bude v\u017edy tou nejlep\u0161\u00ed mo\u017enost\u00ed.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-pSCnR\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/emprestimo-para-negativado-com-o-banco-do-brasil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"P\u016fj\u010dka pro negativn\u00ed dlu\u017en\u00edky u Banco do Brasil\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/968d7bf0-92a9-4292-918a-db21f6d5e670\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/emprestimo-para-negativado-com-o-banco-do-brasil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"P\u016fj\u010dka pro negativn\u00ed dlu\u017en\u00edky u Banco do Brasil\">\n            P\u016fj\u010dka pro negativn\u00ed dlu\u017en\u00edky u Banco do Brasil        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Chcete si vz\u00edt p\u016fj\u010dku, i kdy\u017e jste negativn\u00ed? Objevte mo\u017enosti, kter\u00e9 Banco do Brasil nab\u00edz\u00ed, aby v\u00e1m usnadnil \u017eivot        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/emprestimo-para-negativado-com-o-banco-do-brasil\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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(Imagem: Foregon)\"  id=\"19584\" src=\"https:\/\/ucarecdn.com\/00f41cc8-c582-463c-854f-f07d3b6dbd70\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak\u00fd je tedy rozd\u00edl mezi protestem a pop\u00edr\u00e1n\u00edm? (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ale jak\u00fd je potom skute\u010dn\u00fd rozd\u00edl mezi protestem a pop\u00edr\u00e1n\u00edm? Pokud st\u00e1le nerozum\u00edte, shrneme to. Nyn\u00ed si n\u011bkolika slovy vysv\u011btl\u00edme hlavn\u00ed rozd\u00edly mezi t\u011bmito dv\u011bma pojmy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V obou p\u0159\u00edpadech jde o nesplacen\u00fd dluh. V p\u0159\u00edpad\u011b zam\u00edtnut\u00ed je dluh zahrnut do Serasa (nejb\u011b\u017en\u011bj\u0161\u00ed p\u0159\u00edpady). Vyv\u00edjen\u00ed tlaku na dlu\u017en\u00edka, proto\u017ee tento akt ho p\u0159ipravuje o snadn\u00fd p\u0159\u00edstup k \u00fav\u011bru. Tedy m\u00edt novou kreditn\u00ed kartu, vz\u00edt si p\u016fj\u010dku, po\u017e\u00e1dat o mikro\u00fav\u011br a podobn\u011b za cca 5 let.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Protest je form\u00e1ln\u00ed ve\u0159ejn\u00fd akt, ke kter\u00e9mu doch\u00e1z\u00ed, kdy\u017e dluh nen\u00ed zaplacen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hlavn\u00edm rozd\u00edlem mezi t\u011bmito dv\u011bma je to, \u017ee odm\u00edtnut\u00ed je zas\u00edl\u00e1n\u00ed informac\u00ed o neplacen\u00ed spole\u010dnosti Serasa, tak\u017ee z\u00e1kazn\u00edk je negativn\u00ed, zat\u00edmco protest je zas\u00edl\u00e1n\u00ed stejn\u00fdch informac\u00ed do not\u00e1\u0159sk\u00e9 kancel\u00e1\u0159e.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"8-existe-um-limite-de-valor-da-d%C3%ADvida-para-protestar-ou-negativar-\"><strong>Existuje n\u011bjak\u00fd limit na v\u00fd\u0161i dluhu, kter\u00fd lze protestovat nebo pop\u0159\u00edt?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conclus\u00e3o (Imagem: Freepik)\"  id=\"19586\" src=\"https:\/\/ucarecdn.com\/75cce496-3c9a-47fa-bdce-b5c7577cdc42\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Z\u00e1v\u011br (Obr\u00e1zek: Freepik)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud m\u00e1te nesplacen\u00fd dluh, mus\u00edte se za n\u011bj zodpov\u00eddat bez ohledu na jeho v\u00fd\u0161i. Ale obecn\u011b, kdy\u017e se va\u0161e jm\u00e9no za\u0161pin\u00ed, je to kv\u016fli dluhu, kter\u00fd moment\u00e1ln\u011b nem\u016f\u017eete zaplatit, tak\u017ee v z\u00e1vislosti na va\u0161em stavu se \u010d\u00e1stka li\u0161\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je d\u016fle\u017eit\u00e9 up\u0159esnit, \u017ee v obou p\u0159\u00edpadech je dlu\u017en\u00edk \u2013 klient informov\u00e1n o dluhu, i p\u0159es podobnosti v\u0161ak mus\u00edme zd\u016fraznit, \u017ee v z\u00e1vislosti na v\u00fd\u0161i poplatku nen\u00ed protest tou nejlep\u0161\u00ed alternativou.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>K tomu doch\u00e1z\u00ed proto, \u017ee k protestu bude muset spole\u010dnost n\u00e9st n\u00e1klady a v\u00fddaje matri\u010dn\u00edho \u00fa\u0159adu. V tomto procesu, pokud je dluh nap\u0159\u00edklad R$ 90,00, nebude m\u00edt cenu protestovat proti t\u00e9to \u010d\u00e1stce u not\u00e1\u0159e, proto\u017ee n\u00e1klady mohou b\u00fdt vy\u0161\u0161\u00ed ne\u017e hodnota dluhu, zejm\u00e9na pokud je ni\u017e\u0161\u00ed ne\u017e R$. 100,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud m\u00e1 z\u00e1kazn\u00edk ji\u017e nyn\u00ed pot\u00ed\u017ee s \u00fahradou n\u00e1klad\u016f, kter\u00e9 u obchodn\u00edka vynalo\u017eil, je pro n\u011bj velmi obt\u00ed\u017en\u00e9 uhradit poplatky not\u00e1\u0159i. Proto je nejlep\u0161\u00ed mo\u017enost\u00ed, \u017ee pokud je my\u0161lenkou protestovat, je lep\u0161\u00ed, aby hodnoty p\u0159es\u00e1hly R$ 400,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud je tedy v\u00e1\u0161 dluh mal\u00fd, nezoufejte, firmy necht\u011bj\u00ed dlu\u017en\u00edkovi klientovi situaci komplikovat, pr\u00e1v\u011b naopak. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nab\u00edz\u00ed se mnoho p\u0159\u00edle\u017eitost\u00ed k co nejrychlej\u0161\u00edmu splacen\u00ed dluhu, tak\u017ee z\u00e1kazn\u00edk m\u016f\u017ee znovu nakoupit a p\u0159in\u00e9st firm\u011b zisk.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1hYFpS\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/bf71b60f-f39e-4c96-ad2a-c16adc723c2c\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?\">\n            Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00dav\u011br je finan\u010dn\u00ed produkt, kter\u00fd m\u016f\u017ee zm\u011bnit v\u00e1\u0161 \u017eivot. 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