Independentemente do fato de um consumidor ter pago ou não determinada dívida, o prazo de prescrição dos registros no SPC e Serasa continua sendo de 5 anos. Em outras palavras, um credor pode demorar mais ou menos tempo para negativar um consumidor inadimplente, mas o prazo de prescrição continua o mesmo.
No entanto surge a dúvida: quando um cidadão tem mais de uma dívida em seu nome, o prazo de 5 anos para prescrição nos órgãos de proteção vale para apenas um débito ou para mais de um? Confira.
O prazo de 5 anos e as dívidas no SPC/Serasa
O prazo de prescrição de 5 anos de uma dívida no SPC e Serasa, vale para cada um dos débitos contraídos e anotados. Contando o tempo de cada um, a partir do momento que ficou atrasado o pagamento (inadimplência).
Logo, como exemplo, se um consumidor tiver uma dívida em uma empresa, e mais duas dívidas com outros dois credores, e todas elas forem colocadas no SPC e Serasa, o prazo para prescrição será contado separadamente; ou seja, cada débito será anotado individualmente.
Pode acontecer que um débito saia do SPC e Serasa por já ter vencido o tempo dos 5 anos, mas o nome do consumidor continue negativado pelos outros débitos que não tiveram prescrição ainda.
Entretanto vencendo os cinco anos de cada um dos débitos, o nome precisa ser retirado do SPC e Serasa.
Os prazos de prescrição para cada modalidade de dívida
O novo Código Civil trouxe vários prazos com tempo de prescrição diferente.
Mas é preciso atenção, pois esses prazos se referem ao tempo máximo para cobrança judicial da dívida. Não se referem, portanto, ao tempo junto ao SPC e Serasa, que é sempre de cinco anos.
Os prazos prescricionais do Novo Código Civil são os seguintes:
- FGTS: 30 anos;
- Previdência: 10 anos;
- Telefone: 10 anos;
- Energia elétrica:10 anos;
- Água:10 anos;
- 10 anos: débitos diversos;
- Imposto de Renda: 5 anos;
- IPVA: 5 anos;
- IPTU: 5 anos;
- Boletos bancários: 5 anos;
- Cheque especial: 5 anos;
- Aluguéis: 3 anos;
- Convênios médicos: 5 anos;
- Empréstimos: 3 anos;
- Hospedagem (pousadas, hotéis e afins): 1 ano;
- Cheques: 6 meses.
Contudo, confirmando para não ficar dúvidas, o próprio STJ (Superior Tribunal de Justiça) também já decidiu que o prazo máximo para que o nome do devedor fique negativado nos órgãos de proteção ao crédito seja de 5 anos; a contar da data de vencimento da dívida, conforme pode-se ver no Recurso Especial (REsp 1630659).
Essa decisão confirma que está valendo o tempo previsto no Código de Defesa do Consumidor: 5 anos para ficar negativado por cada uma das dívidas particularmente.
Art. 43.O consumidor, sem prejuízo do disposto no art. 86, terá acesso às informações existentes em cadastros, fichas, registros e dados pessoais e de consumo arquivados sobre ele, bem como sobre as suas respectivas fontes.
§ 1° Os cadastros e dados de consumidoresdevem ser objetivos, claros, verdadeiros e em linguagem de fácil compreensão,não podendo conter informações negativas referentes a período superior a cinco anos.”
Após prescrição o CPF deve ser retirado dos órgãos de proteção ao crédito
É fundamental salientar, que uma dívida que caducou no SPC e Serasa não pode gerar uma nova negativação. Nem mesmo se outro credor comprar a dívida que não foi paga.
Com efeito, o CPF deve ser retirado dos órgãos de proteção ao crédito ao completar cinco anos e, assim, não voltar mais pela mesma dívida.
Além disso, é importante saber que há limites para a efetivação da cobrança de dívidas. Se houver práticas abusivas nesse processo, o consumidor pode até buscar indenização na Justiça.
Dívida caduca no SPC e Serasa, mas não deixa de existir
Toda dívida possui um prazo de prescrição para ficar no SPC e Serasa: 5 anos. Portanto haverá sempre essa data de validade da anotação nesses órgãos.
No entanto, isso não significa que o débito em si deixará de existir.
É verdade que o nome do devedor terá de ser retirado dos órgãos de proteção ao crédito, ficando, assim, limpo na praça.
Contudo a dívida continua existindo internamente na empresa, e o credor poderá, sem produzir constrangimento ao devedor, continuar cobrando a dívida.
E se os credores quiserem acionar a Justiça, movendo ação de cobrança, por exemplo, vão ter de obedecer àqueles prazos estabelecidos no Código Civil, como já relacionados antes nesta matéria.
Vale a pena, portanto, o cidadão conhecer as regras, pois pode ser que em determinado momento seja ele o devedor, mas também poderá ser credor em outras oportunidades.
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