What is active debt and how can I remove my name?

Knowing what Active Debt is is relevant information for those who incur this type of debt.

This is because active debt should not be confused with other common types of debt, such as credit card or overdue bills.

But what is Active Debt? Why is it called that? How can this type of debt be paid?

These and other questions are the main ones when we talk about the subject, and for this reason we produced today's content with all the information to answer them.

So, if you want to understand everything about the topic, and learn how to solve this type of problem, come with us in this reading!

What is Active Debt? 

You've probably heard about active debt at some point in your life, so you've wondered what it means.

After all, the name itself is different from common debts, so it is certainly a specific type of default, isn't it?

And, yes, in fact, an Active Debt of the Union is given this name because it is not a common debt, such as a late invoice.

When we talk about the Union's Active Debt, we are referring to a type of debt included in the list of credits owed by individuals or legal entities in the country.

The point is that not just any type of debt goes on this list, as it includes debts related to the payment of fees, taxes and fines.

Therefore, it is easy to understand that tax and non-tax debts that have not been paid by the deadline are included in the list in order to establish the debt and then take legal measures for negative listing and collection.

So, explaining it now in a simple way, so that even laymen can understand: there are specific types of debts that are included in Active Debt.

These debts are generally related to public fees and fines, that is, they are cases of public debt, for which the Government is the creditor.

Therefore, for your debt to be included in this list, it must come from non-payment of fees, taxes and fines, and not from defaulting on payments to private companies.

What are the types and what is active debt? 

At this point, you already have a general understanding of what active debt is, and you understand that not just any debt is on the list.

Therefore, we can understand that we have two types of debt that go to the Union's Active Debt: those of a tax nature, and those of a non-tax nature.

Those of tax nature, as the name suggests, are those arising from the non-payment of some type of tax.

This way, if you stay owing IPVA, IPTU, ISS or any other type of tax that may be federal, state or municipal, this debt can be included as active debt of a tax nature.

This means that you stopped paying a type of tax that is intended for the government, and now this debt appears on this list of data.

As for the debts of non-tax nature, we have those that are not necessarily a tax, but that also have the government as the recipient.

This is where we include automotive fines and fines for various types of infractions, including fines for failure to pay FGTS.

But, after all, what type of debt can be included in the Union's Active Debt? 

See the list with some types:

• IPVA 
• Property Tax (IPTU) 
• Payment of DAS MEI
• Traffic fines
• Fines arising from proceedings;
• Between others.

It is worth mentioning that each of these debts will be included based on its nature, which also affects the measure taken to debt resolution.

After knowing what active debt is, how can I check it?

Once you understand what Active Debt is, it becomes easy to understand that having this type of debt is not that rare.

This is because it is not uncommon to find cases of people who do not even know that they have a registered name.

The reason for this is that simply failing to pay a tax or fine is enough for your name to end up there.

Therefore, it is important to check frequently to find out if you have any type of debt of this nature.

The good news is that this query is very simple, and can be done through Regularize, which is the service portal of the National Treasury Attorney General's Office.

To access regularize as an individual, you can use your Gov.br account.

After accessing, simply click on the “check active debt” icon.

This should be enough for the information to appear to you.

In this case, if you have any outstanding debt, the amount and nature of the debt will be stated.

Is it possible to remove the name? 

After checking for this type of debt, the next concern is usually removing the name from the list.

After all, having a name with active debt can bring a series of losses, which we will see later.

However, it is worth mentioning that removing your name from the list is only possible after the debt has been settled.

Therefore, to get off the list you will have to pay your debt.

To do this, you must access the Regularize portal.

The first thing you should do is check and understand everything about your debt.

Once this is done, the next step is to make the payment or negotiate the debt.

Payment is very simple, just finalize the agreement and pay the bill.

After payment has cleared, your name should be removed from the debit list.

It is worth mentioning that if you do not recognize or agree with the debt shown on the portal, you can request a review.

So, now you know what Active Debt is and how to solve the problem! 

What are the consequences? 

In this last topic, we will explain something that is one of the main concerns of those whose name is included on this list.

After all, what are the consequences of this?

After the name is included, the debt situation becomes real, and collection measures begin.

These involve negative listing of the name in credit protection agencies, protest in the notary's office and may even result in judicial execution.

For this reason, it is essential that you seek to solve the problem, in order to avoid suffering serious losses.

And, as we have seen, resolving outstanding debt is not that difficult, and it is even possible to negotiate.

So, now that you understand what active debt is, it's easier to solve the problem! 

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