SPC debt is among the reasons for headaches for most Brazilians, so if you are going through this, make sure you are not alone, more or less 60 million people are in this.

The dream of every indebted Brazilian is, therefore, to negotiate debts and regain access to credit, to be able to use cards again and pay off interest-free debts in installments, to apply for loans to fulfill big dreams, travel and personal projects. And nobody wants to make the same mistakes again, right?

Therefore, there is no shortage of solutions to get you out of this predicament that is default. If your name ended up in the SPC or Serasa and you don't want to wait 5 years for your debt to expire? Here you will find out how to negotiate your debts in SPC Brasil and better, all online without leaving home!

You can rest assured that here you will learn everything about SPC Brasil and how to negotiate your debt in the best possible way, and we will also help you with financial education and cost control that will be your allies when it comes to organizing yourself to pay your bills after making the payment. negotiation.

Online platforms such as SPC Brasil follow global data security standards. Ensuring the protection and non-sharing of your information.

Speed and comfort in trading is therefore an advantage that makes all the difference. Every procedure is carried out in the house, without queues, agglomerations, long negotiations and time-consuming analysis. All done with internet support in a simple, practical way and in the comfort of your home.

More discretion. No calls, letters and constraints that distance customers. Everything is done without having to have contact with anyone and without leaving home.

Be free from contamination. The less contact with other people, the less risk you are of acquiring the Civid-19 virus. Having access to online services mainly helps people in the risk group to better protect themselves.

Friendly dialogue. Digital platforms also have a unique way of building friendly dialogues between creditors and debtors. No problems with customer service or feeling poorly attended, using online services is also very positive in this regard.

Flexibility in schedule. On an online platform, you can choose the time you want to start this negotiation. No booking or scheduling appointments, you have the freedom to do it whenever you want. This is only possible because the platform is available 24 hours a day and can be accessed from anywhere.

SPC is nothing more than the acronym given to the Credit Protection Service. It is a credit protection agency that then registers personal information such as name and CPF of people who have overdue debts. All this information is gathered in a kind of list of defaulters that is made available to financial institutions, banks and stores.

So when you don't pay your bills on time and you have a dirty name in the market, companies don't want to give you credit to take out a loan, for example, because your name counts in that database.

And if he is in the SPC, then that means that you are not a good payer of your expenses. Therefore, this leads companies and banks to believe that you too may not pay your debts linked to them.

The function of this service is basically to support institutions such as banks, stores and companies in decisions regarding business support, loans or credit granting. So, having your data in the SPC, it becomes increasingly difficult to get loans, payroll loans and even credit cards.

You may probably be thinking “but what is the difference between SPC and Serasa?” and we are here to enlighten you.

Both services have the same function of assisting institutions in making decisions when granting credit to someone. Having a database of all people with overdue debts.

Although they have the same general function, each one has its characteristic. In the case of SERASA, it receives most of the information about people who have debts with banks. The SPC then has more access to consumer data that owes to the trade.

I mean, there's nowhere to run. If you run into debt either in commerce or in banks, your name will end up in the databases of both companies after a while.

And your name is negative for 5 years from the date of negative. And only after this period has passed, both SERASA and the SPC are obliged to clear your name, as after that time the debt expired.

Now that you've decided you want to pay your debts and get back to having a normal financial life, you need to take the first step and to start your journey towards a clean name, you'll need to register with SPC Brasil. It's a simple and quick process, but the most important of all.

First, you will need to access the website negotiatedivida.com.br. If you already have a registration, you don't need to make another one, access can now be done using your CPF or CNPJ and your password.

But if you don't have a registration yet, don't worry, you'll need to pre-register using your email or even your Facebook login. Easy, right?

When you click on pre-register by email, you will be sent to a screen where you will need to provide the following data: email, CPF or CNPJ, cell phone number and how you discovered the site.

After providing this information and clicking confirm, you will be informed about a validation link sent to your email and you will also receive an SMS with a 6-digit code. This information will be used when registering on the Negotiate Debt Online platform.

By clicking on the link that was sent by email, you will continue to fill in your registration, including some personal data and the code received via SMS on your cell phone. Finally, accept the terms and conditions of use of the platform and that's it, registration validated!

Now with the account created you will have access to a lot of important information. They are the debts available to carry out an agreement, generate a bill of agreements in progress, consult your document and update your registration data.

Now you can start the process of negotiating your debts at SPC Brasil and move on to the next step, which is to create an account at Negotiar Dívida Online. You can check the step by step in the next topic.

Therefore, to get out of the red, there is no alternative but to pay your debts. You owed and now you need to pay, because your debts will not disappear even after 5 years. Stay tuned and here we will give you the step by step on how to negotiate your debt with SPC Brasil.

Negotiating Debt Online is an official SPC (Credit Protection System) platform that helps Brazilians organize their financial life and recover credit in the market. It is a tool that facilitates communication and negotiation between consumers and companies, using technology to their advantage with all the speed and convenience of the internet.

At Negotiar Dívida Online, consumers can clear their name from a vast and diverse list with several company options. In addition, it supports consumers with information that may be of interest to them, such as Positive Registration and Financial Education. Transactions are all done securely and reliably.

First you will need to have your CPF or CNPJ in hand to make a brief registration in Negotiar Dívida Online. Through these documents, it is then possible to check if there are outstanding debts in your name and if there are, you must click on “I want to negotiate”. And after this small process you will receive an email with a code for confirmation and completion of your registration.

Once that's done, you move on to the next step. Now you need to check out the companies that make debt negotiation available to you. At this point, it is likely that the institution to which it owes, being a bank or store, for example, is one of the participants.

It is interesting, therefore, to negotiate with these companies. Well, in some cases they offer discounts and good deals for customers who are trying to pay off their debts.

After choosing the company to negotiate the debit, simply choose the best payment method (including a credit card bill). In some cases it is necessary to sign a term with the contract conditions that were accepted. However, it is important to carry out all procedures calmly, as everything is done over the internet and you cannot go back later.

The entire procedure can be carried out in complete safety, as this trading opportunity is carried out by the SPC itself. It's simple right?! Renegotiating your debts has many positive advantages because it guarantees a longer term for discharge and you still have a clean name.

With SPC Brasil then you have the opportunity to negotiate your debts with one of the best known services in Brazil. With more than 60 years of tradition, it is the pioneer in offering companies information about Brazilians, developing the country's economy.

A very well evaluated institution with great strength in the market, being the largest credit and information bureau in all of Latin America.

The SPC is the consumer's partner, it is an important instrument for social ascension, obtaining credit and financial education. It offers the Positive Register on its platforms, a list with payment history, allowing companies to grant more credit with less interest to the consumer so that they fulfill their agreements on time.

And in addition to all these advantages mentioned briefly, we are going to list for you many more advantages that you will have when you decide to negotiate your expenses with SPC Brasil.

Finally, you can see how to negotiate SPC debt and why it is so important to carry out these negotiations. Thus, you get new lines of credit, organize your finances and still manage to have more peace of mind for your day to day.

So we hope that you are more willing and confident to settle your debts with SPC Brasil now. Therefore, do not miss this opportunity to perform the procedure simply and quickly.

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