Is the installment of active debt interesting? This is a common question at the time of making or pursuing a negotiation and taking out outstanding debts with the government, whether federal, state or municipal. Whether you are a taxpayer (IPVA, IPTU, among others) or an entrepreneur with debts, negotiating is always a good way out, but there are times more propitious.
Is splitting active debt advantageous?
The installment of the active debt is always a good option, but before closing any business you must verify the interest, especially in the case of the entrepreneur, when there are more facilities in the negotiation. For example, did you know that there are campaigns and installments programs for active debt?
One of the best times to take out the moment of active debt is when the government campaigns and specific programs for this purpose. The purpose of the union is to rescue these debts that are open, putting some fees on, but with the goal of attracting citizens who are with open values. These programs are usually aimed at entrepreneurs.
Programs of installments of active debt
In 2017, the federal government launched the Special Tax Regularization Program, PERT. The program provides for the payment of the active debt in several cases, including when there was a crime of tax evasion. According to the government website, the payment can be made in 24% in 24 installments, and may even pay off.
Those who have debts lower than R $ 15 million, the percentage to be paid was reduced from 7.5% to 5%, this in 2017. There were even proposals to reduce 90% interest and up to 70% on fines. If this were the case, it was even possible to pay in full in up to 175 installments with discounts of 50% interest and 25% fines.
If you are an entrepreneur, it is worth looking at the program and checking the updated conditions according to the amount of debt you have outstanding with the government.
Trading programs are not fixed
An important and worthwhile tip for everyone who is seeking to pay off the debt is keeping an eye on the negotiation programs. Typically, these programs are not fixed and open at the beginning and near the end of the year. So be sure to keep up with the news of the agency where you have outstanding debt, because from there may arise the right opportunity for discharge.
How to regularize my situation?
To regularize any pending with the state it is necessary to look for the specific organ. For example, if you are an entrepreneur and have fees and outstanding debts related to the company, the indicated is to seek the IRS and the information with your accountant. Incidentally, you can also access the website of the Special Tax Regularization Program.
If you have open debt related to taxes, such as IPVA or IPTU, the way is to go to your state’s Treasury Department. Usually, in both cases, the government provides on its respective websites, from each state government, the information for discharge of debts.
The IPTU, for example, can be removed directly from your town hall. The IPVA is already more related to the state government, which has another way for the citizen who wants to pay the outstanding debt.
Recall that active debt is the negative register of taxpayers who failed to pay taxes or fines to the government.
Install or pay cash?
The cash payment of any debt usually involves interesting discounts. If you really can afford to repay the debt in full, do so.
The ideal is to sound first the conditions of this type of payment. It is usually during these discharge programs that the values become much more attractive.
Option for those who want to install and have no money
If you really want to pay off the debt and do not have the money, the solution most indicated by experts is to seek the loan with collateral. If you have a car or property, look for lenders who work with this line of credit and check out the conditions.
The interest on this type of credit is usually more in account and this happens for the good that is being placed as guarantee of payment. The bank then understands that the risk of default, even if there is no payment, is low and the vehicle can be sold to remove the amount of credit borrowed.