{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/pt\/o-banco-pessoal-como-forma-de-sair-da-divida\/","title":{"rendered":"A fal\u00eancia pessoal como forma de sair do endividamento"},"content":{"rendered":"<p>A fal\u00eancia pessoal \u00e9 uma das formas legais de se livrar das d\u00edvidas. Se exagerar com algumas das <strong><a href=\"https:\/\/regbu.com\/pt\/tipos-de-emprestimos-saiba-mais-sobre-eles\/\">tipos de empr\u00e9stimos<\/a><\/strong> e se endividar mais do que pode pagar, \u00e9 a\u00ed que entra a redu\u00e7\u00e3o da d\u00edvida. Por vezes, pode tamb\u00e9m encontrar o termo \"fal\u00eancia pessoal\".<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Processos de insolv\u00eancia<\/li>\n\n\n\n<li>Reembolso de parte do passivo<\/li>\n\n\n\n<li>Parar o endividamento adicional<\/li>\n<\/ul>\n\n\n\n<p>Este tipo de fal\u00eancia s\u00f3 pode ser declarado por um devedor que <em>n\u00e3o consegue pagar as suas obriga\u00e7\u00f5es para com os credores<\/em>. Evidentemente, se quiser tirar partido desta op\u00e7\u00e3o, n\u00e3o deve possuir um patrim\u00f3nio significativo. Com efeito, este pode ser vendido para pagar o passivo. A fal\u00eancia pessoal n\u00e3o pode, por conseguinte, ser utilizada para qualquer vantagem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fal\u00eancia pessoal e suas condi\u00e7\u00f5es<\/h2>\n\n\n\n<p>A base de tudo \u00e9, portanto, a insolv\u00eancia financeira do devedor. Para al\u00e9m disso, h\u00e1 uma s\u00e9rie de outras condi\u00e7\u00f5es. Estas devem ser cumpridas, caso contr\u00e1rio, qualquer <strong>pedido de redu\u00e7\u00e3o da d\u00edvida<\/strong> ... ele vai neg\u00e1-lo. Se quiser saber quais s\u00e3o os requisitos, leia a tabela abaixo.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Informa\u00e7\u00f5es<\/strong><\/td><\/tr><tr><td>N\u00famero de credores<\/td><td>Maior quantidade<\/td><\/tr><tr><td>D\u00edvidas<\/td><td>Pelo menos 30 dias de atraso<\/td><\/tr><tr><td>Al\u00edvio da d\u00edvida<\/td><td>Pagamento de 30 passivos do % em 5 anos<\/td><\/tr><tr><td>Alternativa \u00e0 redu\u00e7\u00e3o da d\u00edvida<\/td><td>Reembolso de 60 % em 3 anos<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informa\u00e7\u00f5es b\u00e1sicas relacionadas com a fal\u00eancia pessoal.<\/figcaption><\/figure>\n\n\n\n<p>Como as obriga\u00e7\u00f5es legislativas mudam de tempos a tempos, estes valores podem variar em certa medida. No entanto, o que \u00e9 claro \u00e9 que, com a ajuda da fal\u00eancia pessoal, \u00e9 poss\u00edvel regularizar a sua situa\u00e7\u00e3o pagando apenas uma parte das suas d\u00edvidas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Outras informa\u00e7\u00f5es adicionais<\/h3>\n\n\n\n<p>Note-se que este tipo de regulariza\u00e7\u00e3o de d\u00edvidas se destina essencialmente a pessoas singulares, sejam elas pessoas comuns, consumidores ou empres\u00e1rios. N\u00e3o existe qualquer exce\u00e7\u00e3o <strong>redu\u00e7\u00e3o de d\u00edvidas matrimoniais<\/strong>que \u00e9 habitualmente efectuado. Para declarar a fal\u00eancia, tudo deve ser precedido da apresenta\u00e7\u00e3o de um pedido de declara\u00e7\u00e3o de fal\u00eancia. Este \u00e9 confiado \u00e0s pessoas respons\u00e1veis pelo seu tratamento, uma vez que deve conter os elementos adequados.<\/p>\n\n\n\n<p>A fal\u00eancia pessoal pode, evidentemente, ser rejeitada. Isto desde que n\u00e3o estejam reunidas todas as condi\u00e7\u00f5es legais. Ou se for provada uma inten\u00e7\u00e3o desonesta. No \u00e2mbito da fal\u00eancia pessoal, o devedor prepara-se para manter apenas o m\u00ednimo vital e o resto vai para o pagamento das d\u00edvidas. Uma parte das d\u00edvidas ser\u00e1 tamb\u00e9m liquidada atrav\u00e9s da venda de bens.<\/p>","protected":false},"excerpt":{"rendered":"<p>A fal\u00eancia pessoal \u00e9 uma das formas legais de se livrar de d\u00edvidas. Se se exceder com certos tipos de empr\u00e9stimos e acabar com mais d\u00edvidas do que pode pagar, \u00e9 a\u00ed que entra a redu\u00e7\u00e3o da d\u00edvida. Por vezes, pode tamb\u00e9m ver o termo \"fal\u00eancia pessoal\". Este tipo de fal\u00eancia s\u00f3 pode ser declarado por um devedor incapaz de pagar aos seus credores. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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