Você está com nome sujo e busca outras alternativas para comprar um determinado bem? O valor é alto e não sabe a quem recorrer? Deseja um consórcio para negativado, mas não sabe se é possível? Veja aqui quais são seus direitos.

Para aqueles que estão negativados (com o nome “sujo”) existem barreiras que dificultam o acesso à empréstimos e financiamentos, mas não são as mesmas regras que incidem sobre o universo dos consórcios.

A dificuldade é decorrente de consulta aos órgãos protetores do crédito, que limitam as opções daqueles que estão como devedores. Mas, quando se trata de consórcio para negativado a situação é diferente.

É possível aderir um consórcio mesmo com o nome negativado?

Todo consumidor que já teve algum tipo de restrição ao seu crédito sabe que tarefas como adquirir um cartão de crédito, empréstimo ou financiamento é sempre um desafio. Logo, financiar um bem com um valor elevado se torna algo ainda mais difícil, porém, não chega a ser impossível.

Vale compreender que nenhum consórcio pode barrar uma pessoa de aderir ao serviço.

Mesmo com o nome sujo poderei participar das assembleias?

Sim. Conforme regulamento dos consórcios, para integrar as assembleias ou sorteios, é somente necessário que você tenha realizado a quitação da mensalidade até a data de vencimento. Portanto, basta estar em dia com as obrigações assumidas.

Existe risco de não conseguir o dinheiro?

Agora, aqui está a dúvida de quem geralmente faz a pergunta sobre consórcio para negativado. Você quer saber se pode ter sua carta de crédito retida caso seja contemplado, e a resposta é não, desde que você tenha um avalista.

A partir do momento que administradora aceita o participante, ela não irá negar o direito do recebimento do valor, desde que as parcelas estejam em dia, e com a documentação necessária de seu(s) avalista(s).

Porém, o ideal é que não fique com o nome em algum órgão de proteção ao crédito, como SPC e SERASA.

Divida prescrita não é dívida encerrada

Lembre-se que o prazo de 5 anos para a prescrição do direito de cobrança da dívida na justiça é também para manutenção do cadastro de seu nome em órgãos de restrição ao crédito e só conta uma única vez, tendo início na data em que você deixou de pagar.

A dívida se não paga, sempre existirá, apenas perderá o credor, o direito de cobrança, tanto nos órgãos de restrição ao crédito quanto por ação judiciária.

Portanto, você não pode ser barrado de um consórcio, mas procure quitar suas dívidas para não ter maiores problemas.

Fonte: Consórcio.org

Edição: Consórcio Promenac

Se você está nome negativado e precisa de ajuda para fazer um Consórcio conte com a gente. Entre em contato com o Consórcio Promenac e saiba mais.

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