Financial default is one of the biggest problems in the Brazilian economy. According to Serasa Experian, in 2022, Brazil reached the mark of 66 million defaulters . This number is a record, according to the Serasa historical series.
In a scenario with defaulting customers, it is essential that your company has the right resources to collect payments. However, even after notifying your customers, there may be no agreement between the parties.
In this case, different measures can be taken. And, in the case of payments via bank slip, one solution to get your money back from the bank slip is to protest it. In this article, we will explain how to protest a slip and what rules your company needs to follow. Keep reading!
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Is it possible to protest a bank slip?
In general, bank slips cannot be netherlands whatsapp number data by themselves. This is because they are not debt documents from a legal point of view.
Bank slips are payment methods for a purchase. It would be like trying to protest a Pix or credit card. It doesn’t make much sense, right?
Art. 7. Debt titles and documents intended for protest shall only be subject to mandatory prior distribution in locations where there is more than one Notary Office for Protesting Titles.
Sole paragraph. Where there is more than one Notary Office for Protesting Titles, distribution shall be carried out by a Service installed and maintained by the Notary Offices themselves, unless a Distribution Office has already been organized prior to the enactment of this Law.
Art. 8. Debt titles and documents shall be received, distributed and delivered on the same date to the Notary Offices for Protesting, in compliance with the criteria of quantity and quality.LAW Nº 9.492, OF SEPTEMBER 10, 1997
However, you can protest a duplicate related to a sale . Unlike a bank slip, a Commercial Duplicate works as a credit instrument, similar to a contract.
This document is regulated by the Duplicate Law, and demonstrates the buyer’s obligation to make a payment within a certain period.
To use the duplicate there are several options you can use:
Duplicate that replaces the ticket
According to the Duplicate Law , any forecast for the russian crypto market can issue a duplicate that can replace the bank slip for protest.
This document must contain essential data such as:
§ 1º The duplicate shall contain:
I – the name “duplicate”, the date of its issue and the order number;
II – the invoice number;
III – the exact due date or the declaration that the duplicate is payable on demand;
IV – the name and address of the seller and the buyer;
V – the amount to be paid, in figures and in words;
VI – the place of payment;
VII – the order clause;
VIII – the declaration of recognition of its accuracy and the obligation to pay it, to be signed by the buyer, as exchange acceptance;
IX – the signature of the issuer.ACT NO. 5,474, OF JULY 18, 1968
You can also use a digital duplicate, generating the document from the sales data . This option is faster and speeds up part of the process.
If the debtor refuses to sign the acceptance statement, you are not legally prevented from protesting a bill via duplicate. Simply provide the Electronic Invoice number and the sales control.
The customer may argue that they did not make the purchase, but to do so they must prove that they do not owe the company anything. In this case, they must initiate a protest suspension process , with the intervention of a lawyer and a lawsuit.
To face this action, it is important that your company has the related documents that prove the sale and default . This is when proof of delivery, invoices and valid sales documents become necessary.
File Remittance Center (CRA)
You can also issue a duplicate b2b phone list the File Remittance Center (CRA). The CRA is an institution that has an agreement with the Brazilian Protest Institute. With your company accredited by the agency, you can speed up the duplicate process.
It is worth noting that all states have a regional CRA, which acts as an intermediary between the protest offices, your company and the Brazilian Protest Institute.
