Active Debt of the Union: what it is, how to consult and regularize it 

The theme Active Debt of the Union still raises many doubts, especially for those who are not yet familiar with issues related to default.

Many believe it is a specific tax, while others think it is part of the Government's "restrictions list," but which of these views is correct? 

In today's material, we will clarify some questions, so that you will end up understanding everything about the topic of the Union's Active Debt.

So, if that's exactly what you need, keep reading!

What is the Union's Active Debt?

If you have just been notified that you are registered with the Federal Government's Active Debt and have no idea what that is, you are probably a little worried.

Or even if you heard something about the subject, it's likely that doubt has arisen: is my name included on that list?

In both cases, the best thing to do is to learn about the subject in order to clarify any doubts and know what the next steps should be.

The Federal Government's Active Debt is nothing more than a Federal Government record of debts related to fees and taxes.

This means that if you owe IPTU, IPVA, fines or even the MEI DAS, your CPF will likely be registered as a Federal Debt.

So, if in the case of debts with private companies your name goes to Serasa and SPC, when it comes to debts with the Government, this goes to the famous Active Debt.

This may interest you: Negotiating debts: see where to start – Valor Notícias.

What debts fall into this category?

As we explained previously, the Active Debt of the Union is a type of record aimed at debts related to the Government.

But, although this is a very complete explanation, it is still common for doubts to arise, especially for those who are not so enlightened about financial matters.

Therefore, we will now describe which types of debts are typically included in the Federal Government's Active Debt list. Check it out below!

Tax Debts 

Tax debts, as the name suggests, are those acquired through non-payment of a tax.

This means that if you owe any type of tax, your name will certainly be included on the Union's Active Debt list.

In this list we can include debts of the following types:

• IPTU;
• IPVA;
• MEI DAS;
• Corporate taxes;
• Fines;
• Between others.

Non-tax debts

Non-tax debts are those that do not arise from the lack of payment of taxes, but rather from fees or other charges.

Therefore, if you fail to pay any type of non-tax fee, your CPF may be registered as a Federal Government Debt due to a non-tax debt.

In this category we have the following examples:

• Fees paid to the Government;
• Mandatory non-tax contributions;
• FIES;
• Among other examples.

In any case, whatever the category of your debt, if the Government is the recipient, your name may certainly be included on this restriction list if it is not regularized.

Find out how to check if your name is on the Union's Active Debt

By now you already know what the Federal Government's Active Debt is, as well as which types of debt usually end up on this restriction list.

But did you know that most people who are in debt are not even aware of it?

This is because, simply failing to pay a fine or delaying the IPVA installment long enough for your CPF to be registered.

So, whether you're feeling guilty or not, it's always a good idea to check to make sure your CPF is up to date. Don't know how? Don't worry, we'll show you how!

1. Start by accessing the Regularize Portal.
2. Click “Access Services” at the top of the screen, then log in with your Gov.br account or register.
3. Once done, click on the first option “Consult Active Debt”.
4. This step will be enough for you to obtain information about your CPF in the Active Debt Registry.

If the message “You have no outstanding debt registrations” appears, this means that your CPF is not registered on the list.

However, if any debt appears, it is a sign that you have some default, but don't worry, as this will be specified, which will make it easier to understand and resolve.

How to regularize this type of debt?

If you have made the query and received the result “You have no outstanding debts.” you are probably relieved, but if the opposite happened it is common for concern to take over.

But don't worry, it's perfectly possible to resolve the situation, as the Regularize Portal serves precisely to resolve this type of issue with better conditions.

See now the step-by-step guide to solving the problem and removing your CPF from the Federal Government's Active Debt:

Step 1: Evaluate the debt description 

The first thing you should do is carefully evaluate the description of the debt to see if you recognize the debt and whether it is described correctly.

This is because it is common for citizens to check registrations made unfairly, or even with incorrect values.

If you identify an error, you can open a dispute, but if not, you must proceed to negotiation.

Step 2: Check the trading conditions 

With the Regularize Portal, you have the option to pay off your debt in full, or, if you prefer, you can pay in installments using a bank slip or credit card. 

Choose which option you want, and finalize the agreement.

Step 3: After negotiating, check the deadlines

After completing the transaction, your CPF may be removed from the list, depending on the payment method chosen.

If you chose to pay with PIX or credit card, this removal should occur shortly after payment confirmation.

However, if you choose to pay via bank slip or installments, it may take longer, as you will need to wait for confirmation.

In the case of installments, immediately after the first installment is paid, the CPF must be removed from the list, since the default no longer exists due to the negotiation.

In any case, to get rid of the Union's Active Debt, it is important to always stay away from debts, especially those involving the Government!

+Read also: Do retirees need to file an income tax return? Find out now! – Valor Notícias.