Those who stopped paying some tax, such as IPVA and IPTU, may be in bad shape. Federal, state and municipal taxes are considered mandatory tax debts (for both individuals and businesses).
When the taxpayer does not pay the debts with the government, after the debt collection attempts are exhausted, the debt is registered with the Attorney General of the National Treasury (PGFN).
The inscription in the body is called active debt , which may include not only tax debts, but also non-tax, such as a traffic ticket.
For the pocket, the loss of the active debt goes beyond interest, which is updated monthly by the Selic rate (basic interest of the economy): the CPF of the debtor can be negatived.
Next, understand in more detail what is active debt, how to consult and settle debts of individuals with the government.
How does active debt work?
The active debt is a tax or non-tax debt that was not paid by the taxpayer to the government within the stipulated deadline. The active tax debt is related to taxes and fees not received by the spheres of federal, state or municipal government.
This is the case of the IPVA, which must be paid to the state government, and the IPTU, to the municipal. Non-tax debt is mainly constituted by fines resulting from enforcement actions, which may be either state or municipal, such as traffic tickets.
The pending payment of tax and non-tax debit may cause the debtor to be enrolled in active debt. As of this inscription, the collection can be reinforced by more serious measures, including in the Credit Report Card (CADIN) and credit protection agencies, such as SPC and Serasa, as well as a judicial process.
The result of default with the government or related bodies, among other impediments, is the impossibility of contracting a loan and opening a company.
The rapid growth of active debt is also another issue that deserves to be taken into account. In addition to the collection of interest, fines and charges due and provided for by law, the Selic interest rate is applied monthly until the amounts due are settled.
At the end of the day, a debt with the government can go as expensive as credit card or overdraft debt , which holds the highest interest rates on the market.
To prevent this from happening, do not ignore the billing notices: look for alternatives to have money and pay your bills before the situation gets worse.
How to consult active debt?
Active debt can be consulted free of charge over the internet: for active debt with the federal government, on the Federal Revenue website ; for active debt with the municipality (IPTU), contact the city hall of your city; for active debt with the state government, check the debt outstanding on your state’s available channel.
How to regularize active debt?
Those who are indebted to the government generally receive a slip notification for the discharge. You can also contact the responsible body to have access to the debt, before the registration in the active debt is effected.
It is possible to apply for debt installment, but the ideal is to pay the bill in cash and get rid of debt once and for all.
The installment can be requested via internet, in the query page of debts registered in the active debt. As in most negotiations, after recording the payment of the first installment, the registration of the outstanding debt is withdrawn.
If you do not have money to pay the debt, a good alternative is to apply for a personal loan , with interest and installments that fit in your pocket and do not weigh in the budget.
At Bom Bom Credit, your online loan application is evaluated by several partners at the same time, and you have chances of getting the best credit.
And the best: you pay nothing for the evaluation. Do not waste more time on active debt and regularize your situation with the government or responsible body.
Take care of your financial health and avoid getting new debt. Stay on top of the tips on how to organize personal finances .