{"id":298,"date":"2022-12-13T01:45:26","date_gmt":"2022-12-13T01:45:26","guid":{"rendered":"https:\/\/cacaunews.com\/?p=298"},"modified":"2022-12-13T01:45:26","modified_gmt":"2022-12-13T01:45:26","slug":"tj-ba-lanca-programa-de-negociacao-para-auxilio-a-pessoas-endividadas","status":"publish","type":"post","link":"https:\/\/cacaunews.com\/?p=298","title":{"rendered":"TJ-BA lan\u00e7a programa de negocia\u00e7\u00e3o para aux\u00edlio a pessoas endividadas."},"content":{"rendered":"<p>Uma a\u00e7\u00e3o entre o Tribunal de Justi\u00e7a (TJ-BA) e a Faculdade Baiana de Direito e Gest\u00e3o vai ajudar na negocia\u00e7\u00e3o e quita\u00e7\u00e3o de compromissos de pessoas endividadas. A a\u00e7\u00e3o oferta planejamento financeiro e suporte psicol\u00f3gico aos assistidos. A inscri\u00e7\u00e3o no programa \u00e9 gratuita e pode ser feita atrav\u00e9s do\u00a0<a href=\"http:\/\/www5.tjba.jus.br\/portal\/\">site do TJ-BA<\/a>.<\/p>\n<p>\u201c\u00c9 uma oportunidade para uma negocia\u00e7\u00e3o aberta, ampla e justa entre credor e devedor sem precisar judicializar\u201d, afirma Antonio Carvalho, coordenador financeiro do projeto e professor da Baiana Business School, p\u00f3s-gradua\u00e7\u00e3o da Faculdade Baiana.<\/p>\n<p>Em conformidade com a Lei do Superendividamento (14.871\/2021), al\u00e9m da oportunidade de renegociar os d\u00e9bitos, o programa tamb\u00e9m disp\u00f5e de atividades de preven\u00e7\u00e3o ao endividamento.<\/p>\n<p>Para participar do programa, \u00e9 necess\u00e1rio que o consumidor se enquadre na categoria de superendividado. S\u00e3o aptas a se inscrever no programa pessoas que somam 8 ou mais pontos nas situa\u00e7\u00f5es descritas abaixo:<\/p>\n<ul>\n<li>Minhas d\u00edvidas equivalem a mais de 30{d198c3dc95c114d29e6edcd8e5c7a06443a0378d575a71ac9e4690242a1c641b} do que eu ganho \u2013 4 pontos<\/li>\n<li>Estou inadimplente h\u00e1 mais de dois meses com contas de servi\u00e7os ou produtos (\u00e1gua, luz, telefone, cart\u00e3o de cr\u00e9dito, aluguel, educa\u00e7\u00e3o etc.) \u2013 4 pontos<\/li>\n<li>Minha situa\u00e7\u00e3o financeira mudou e n\u00e3o consigo pagar as d\u00edvidas em dia \u2013 2 pontos<\/li>\n<li>Meus credores est\u00e3o cobrando sem apresentar propostas de parcelamento \u2013 2 pontos<\/li>\n<li>Meu nome est\u00e1 registrado em cadastros, tais como SPC, SERASA e CCF \u2013 2 pontos<\/li>\n<li>Gasto todo meu sal\u00e1rio sem poupar nada \u2013 2 pontos<\/li>\n<li>Minhas d\u00edvidas est\u00e3o sendo a causa de briga familiar \u2013 2 pontos<\/li>\n<li>Pedi dinheiro emprestado a familiar ou algum amigo para pagar minhas d\u00edvidas \u2013 2 pontos<\/li>\n<li>Tenho sofrido psicologicamente em raz\u00e3o das d\u00edvidas \u2013 2 pontos<\/li>\n<li>Sustento a minha fam\u00edlia, mas n\u00e3o imponho limites aos gastos ou sou surpreendido com despesas n\u00e3o planejadas \u2013 2 pontos<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Com informa\u00e7\u00e3o do Sociedade Online.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uma a\u00e7\u00e3o entre o Tribunal de Justi\u00e7a (TJ-BA) e a Faculdade Baiana de Direito e&#8230;<\/p>\n","protected":false},"author":1,"featured_media":299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[6,8,51],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - 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