{"id":5769,"date":"2021-11-09T15:51:07","date_gmt":"2021-11-09T13:51:07","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5769"},"modified":"2026-03-11T23:51:03","modified_gmt":"2026-03-11T22:51:03","slug":"7-formas-eficazes-de-pagar-dividas","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/solvabilite\/7-moyens-efficaces-pour-rembourser-ses-dettes\/","title":{"rendered":"7 formas eficazes de pagar as suas d\u00edvidas!"},"content":{"rendered":"

Em 2021, mais de 6 % da popula\u00e7\u00e3o su\u00ed\u00e7a encontra-se em situa\u00e7\u00e3o de sobre-endividamento. 80 % desta come\u00e7ou a acumular d\u00edvidas antes dos 25 anos de idade. Al\u00e9m disso, a situa\u00e7\u00e3o pode rapidamente tornar-se um c\u00edrculo vicioso, pois o devedor endivida-se para saldar as suas d\u00edvidas anteriores. Eis 7 formas eficazes de pagar as suas d\u00edvidas.<\/p>\n\n\n\n

1. Avaliar a situa\u00e7\u00e3o<\/h2>\n\n\n\n

Antes de pagar as suas d\u00edvidas, deve primeiro avaliar a sua dimens\u00e3o. Esta avalia\u00e7\u00e3o ajud\u00e1-lo-\u00e1 a encontrar uma solu\u00e7\u00e3o eficaz para o problema. A origem e o in\u00edcio do problema s\u00e3o os primeiros pontos a abordar. Os seus problemas financeiros podem ter a ver com a sua falta de conhecimentos em mat\u00e9ria de gest\u00e3o das finan\u00e7as pessoais ou com a sua falta de recursos. Em todos os casos, esta avalia\u00e7\u00e3o ser\u00e1 o passo mais importante.<\/p>\n\n\n\n

Muitos devedores sentem-se envergonhados pelas suas d\u00edvidas \u00e0 sociedade. Por isso, fecham-se em si pr\u00f3prios e n\u00e3o se atrevem a falar do assunto \u00e0s pessoas que os rodeiam. No entanto, \u00e9 poss\u00edvel recorrer a um \u00f3rg\u00e3o consultivo cantonal<\/u><\/a>. De facto, cada cant\u00e3o disp\u00f5e de um servi\u00e7o reservado a este tipo de situa\u00e7\u00f5es.<\/p>\n\n\n\n

2. <\/strong>Recorrer a um profissional<\/h2>\n\n\n\n

Um profissional pode ajud\u00e1-lo a elaborar um plano de reembolso da d\u00edvida com uma dura\u00e7\u00e3o m\u00e9dia de 36 meses. Come\u00e7ar\u00e1 por analisar a sua situa\u00e7\u00e3o financeira. A sua pr\u00f3pria an\u00e1lise ser\u00e1 uma grande ajuda, pois \u00e9 o \u00fanico que conhece a origem do problema e a sua situa\u00e7\u00e3o real. Ajud\u00e1-lo-\u00e1 tamb\u00e9m a encontrar as solu\u00e7\u00f5es adequadas \u00e0 sua situa\u00e7\u00e3o.<\/p>\n\n\n\n

O mutu\u00e1rio pode ent\u00e3o solicitar facilidades de pagamento. Estas facilidades destinam-se a d\u00edvidas que n\u00e3o t\u00eam uma taxa de juro elevada e que est\u00e3o tamb\u00e9m limitadas a um montante razo\u00e1vel. O plano de reembolso ser\u00e1 repartido por um per\u00edodo m\u00e1ximo de 36 meses.<\/p>\n\n\n\n

O seu consultor pode tamb\u00e9m negociar com os seus credores, pedindo-lhes que renunciem aos juros. Naturalmente, ser\u00e3o tidos em conta v\u00e1rios factores nas negocia\u00e7\u00f5es, como o cumprimento dos prazos e o montante dos reembolsos mensais.<\/p>\n\n\n\n

Em caso de d\u00edvidas fiscais, poder\u00e1 tamb\u00e9m falar com a Reparti\u00e7\u00e3o de Finan\u00e7as para pedir facilidades de pagamento do seu reembolso de impostos.<\/p>\n\n\n\n

3.<\/strong> Consolidar as suas d\u00edvidas<\/h2>\n\n\n\n

Se tiver v\u00e1rios credores, \u00e9 muito importante consolidar as suas d\u00edvidas<\/u><\/a>. Isto permite-lhe efetuar reembolsos mensais ao seu banco e melhorar a sua rela\u00e7\u00e3o com os seus credores. O princ\u00edpio da consolida\u00e7\u00e3o \u00e9 simples: contrai um empr\u00e9stimo junto do seu banco para pagar todas as suas d\u00edvidas, pelo que s\u00f3 tem de reembolsar o empr\u00e9stimo todos os meses.<\/p>\n\n\n\n

A vantagem da consolida\u00e7\u00e3o \u00e9 que pode beneficiar de uma taxa relativamente baixa, o que lhe ser\u00e1 muito \u00fatil. Como se trata de um empr\u00e9stimo, ter\u00e1 de apresentar um dossier solvente para demonstrar a sua capacidade de pagamento e n\u00e3o poder\u00e1 contrair outras d\u00edvidas durante o per\u00edodo de pagamento.<\/p>\n\n\n\n

4.<\/strong> Controlar o seu or\u00e7amento<\/h2>\n\n\n\n

O controlo do seu or\u00e7amento \u00e9 a chave para uma boa sa\u00fade financeira. O seu conselheiro pode dar-lhe uma s\u00e9rie de conselhos sobre como manter o seu or\u00e7amento sob controlo. Em todos os casos, o primeiro passo \u00e9 viver abaixo das suas possibilidades. Para isso, \u00e9 preciso ganhar mais do que se gasta. \u00c9 claro que pode sempre p\u00f4r algum dinheiro de lado, mas como o pagamento mensal da sua d\u00edvida j\u00e1 est\u00e1 inclu\u00eddo nas suas despesas, deve dar-lhe prioridade. Assim, poder\u00e1 adaptar o seu estilo de vida ao dinheiro que lhe sobra e evitar\u00e1 endividar-se ainda mais.<\/p>\n\n\n\n

O conselheiro pode tamb\u00e9m eliminar outras despesas, como um seguro ou um leasing. O objetivo \u00e9 reduzir as suas despesas mensais para que possa pagar as suas d\u00edvidas sem reduzir o seu or\u00e7amento.<\/p>\n\n\n\n

5.<\/strong> Remiss\u00e3o parcial de d\u00edvidas<\/h2>\n\n\n\n

A remiss\u00e3o parcial de d\u00edvidas \u00e9 tamb\u00e9m conhecida como composi\u00e7\u00e3o extrajudicial ou composi\u00e7\u00e3o judicial com remiss\u00e3o (LP art.333 e SS<\/u><\/a>). Trata-se de um documento legal que deve ser assinado por ambas as partes. Diz respeito principalmente aos devedores que t\u00eam um rendimento mensal elevado, mas cuja d\u00edvida n\u00e3o pode ser liquidada durante 3 anos, sob pena de as presta\u00e7\u00f5es mensais serem demasiado elevadas.<\/p>\n\n\n\n

O objetivo \u00e9 liquidar as suas d\u00edvidas durante um per\u00edodo de 36 meses e oferecer ao seu credor um montante elevado para o reembolsar. O credor renunciar\u00e1 ent\u00e3o \u00e0 d\u00edvida (ou a uma parte dela).<\/p>\n\n\n\n

6.<\/strong> Plano de pagamento da d\u00edvida<\/h2>\n\n\n\n

O plano de pagamento de d\u00edvidas \u00e9 tamb\u00e9m conhecido como uma composi\u00e7\u00e3o extrajudicial sem remiss\u00e3o. Este plano permite ao devedor reembolsar as suas d\u00edvidas num prazo de 3 anos. No entanto, \u00e9 importante ter em conta que cada credor deve receber o mesmo tratamento. Por conseguinte, \u00e9 poss\u00edvel consolidar as d\u00edvidas atrav\u00e9s desta solu\u00e7\u00e3o. Por conseguinte, \u00e9 evidente que esta solu\u00e7\u00e3o s\u00f3 \u00e9 adequada para os devedores que disp\u00f5em de recursos para reembolsar os seus credores num prazo de 36 meses.<\/p>\n\n\n\n

Com esta solu\u00e7\u00e3o, \u00e9 necess\u00e1rio preparar um plano de pagamento repartido por 3 anos. Os credores devem, por conseguinte, ser informados das datas de pagamento previstas. Pode ser necess\u00e1rio negociar se alguns credores pedirem prioridade.<\/p>\n\n\n\n

7.<\/strong> Declarar fal\u00eancia<\/h2>\n\n\n\n

Se o devedor afirmar que n\u00e3o poder\u00e1 continuar a pagar as suas d\u00edvidas e que as negocia\u00e7\u00f5es com os credores n\u00e3o foram bem sucedidas. O devedor pode ent\u00e3o comparecer perante um juiz para requerer uma fal\u00eancia pessoal, em conformidade com o artigo 191 da Lei Federal sobre a Cobran\u00e7a de D\u00edvidas e a Fal\u00eancia. O devedor deve tamb\u00e9m provar que n\u00e3o tem meios para pagar as suas d\u00edvidas. No entanto, ter\u00e1 de pagar todas as despesas do processo. Deixar\u00e1 de poder solicitar cr\u00e9dito e os seus bens de valor poder\u00e3o ser apreendidos. \u00c9 a chamada situa\u00e7\u00e3o de incumprimento patrimonial.<\/p>\n\n\n\n

Em conclus\u00e3o:<\/h2>\n\n\n\n

H\u00e1 muitas maneiras de pagar as suas d\u00edvidas. Cada solu\u00e7\u00e3o depender\u00e1 da natureza e do montante das suas d\u00edvidas. Podem tamb\u00e9m exigir a interven\u00e7\u00e3o de um terceiro, que lhe permitir\u00e1 familiarizar-se com todas as solu\u00e7\u00f5es dispon\u00edveis e escolher a que melhor se adapta \u00e0 sua situa\u00e7\u00e3o.<\/p>","protected":false},"excerpt":{"rendered":"

En 2021, plus de 6 % de la population suisse est dans une situation de surendettement. 80 % d\u2019entre elle a commenc\u00e9 \u00e0 cumuler des dettes avant l\u2019\u00e2ge de 25 ans. De plus, la situation peut vite devenir un cercle vicieux car le d\u00e9biteur s\u2019endette pour \u00e9ponger ses cr\u00e9ances ant\u00e9rieures. Voici 7 moyens efficaces pour […]<\/p>\n","protected":false},"author":8,"featured_media":27943,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-5769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solvabilite"],"_yoast_wpseo_focuskw":"Rembourser ses dettes","_yoast_wpseo_title":"Rembourser ses dettes - 7 moyens efficaces %%sep%% Lica Cr\u00e9dit","_yoast_wpseo_metadesc":"Rembourser ses dettes avec 7 moyens efficaces. La meilleure solution pour ensuite obtenir un cr\u00e9dit priv\u00e9 en Suisse.","yoast_head":"\nRembourser ses dettes - 7 moyens efficaces - Lica Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Rembourser ses dettes avec 7 moyens efficaces. La meilleure solution pour ensuite obtenir un cr\u00e9dit priv\u00e9 en Suisse.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/7-formas-eficazes-de-pagar-dividas\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rembourser ses dettes - 7 moyens efficaces - Lica Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Rembourser ses dettes avec 7 moyens efficaces. 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