Renegotiating debt or even agreeing on certain cases can be an arduous task. Therefore, debt reconciliation is a method that often occurs at the beginning of a process. A reconciliation of debts works from a notary or court. This body seeks to contact both parties involved in a process to resolve it through an agreement.
Debt reconciliation is a practice based on agility and aims to reach a consensus between two parties involved in a lawsuit or lawsuit. But first, it is necessary to highlight the role of financial education in helping the consumer to avoid debt and save all this headache related to financial backlogs.
How does debt reconciliation work?
How does debt reconciliation work? Debt reconciliation is a way of resolving a pending dispute quickly. In this way, it is presented when a process begins, usually at the request of either party. The debt reconciliation hearing only occurs when both parties are on the same page, meaning they are in synergy and choose to participate.
Therefore, the parties involved will talk and try to reach an agreement, always guided by the council judge. In the case of an agreement, the case is resolved in a friendly and prompt manner. In case of disagreement, a new hearing will be scheduled for the presentation of witnesses and evidence. In the event of a second non-settlement after the new hearing, the action proceeds to the next process in which the judge will reach a reasonable judgment.
Failure to appear at conciliation hearing
In the event of non-attendance at a hearing conciliation, the following are subject to:
Debtor reconciler: Non-appearance results in a time limit for justification before the judge. If relevance is identified in the reason for absence a new hearing is scheduled. If not, the judge will dismiss the case;
Debt Reconciliation Defendant: Failure to appear results in a time limit for justifying absence before the judge. If you do not participate in the justification or consider that there is no relevance or reason for the absence, the judge will apply a confession.
The term of default or confession will work as if the defender had assumed that everything the plaintiff has proposed is, in fact, true. In the case of filing a lawsuit, the plaintiff may open another identical action, and again a conciliation hearing will be scheduled.
In what situation is a debt settlement hearing possible?
A pertinent question when choosing whether or not to proceed with debt reconciliation is: when to go. The bank conciliation hearing usually raises more concern for process authors. But, she and other actions must be faced more clearly.
Therefore, you can file a debt settlement action in the following cases:
- Labor causes;
- Causes of separation of property;
- Issues with telephone companies and health plans;
- Debt card credit or debit card;
- Financing believed to be irregular;
- Traffic accidents or accidents that have damage to property or property;
- Delays in delivery of goods and real estate;
- In cases where misleading advertising may be considered;
- Situations with neighbors or tenants;
- To renegotiate or negotiate debt.
How to act at a debt settlement hearing?
How to act at a debt renegotiation hearing? It is important that the author adhere to the details of the case and seek assistance from a lawyer. Since, if accepted, the action is terminated and may not work fully in favor of the complainant or he may no longer get better arrangements. In addition to renegotiation, it is also possible to open a hearing for debts, whether of any segment or nature.
For proper operation, the plaintiff should use the following steps:
Gather documents: any kind of evidence that provides the damages, damages, debts and which helps to build credibility and corroborate the truth of the events;
Summarize: facts that should not be forgotten during the hearing or moments that should be highlighted;
Maintaining punctuality: Attendance in time for the hearing is an important step to the completion of the action, delays and non-attendance will trigger appropriate actions, with the possibility of a fine of up to 2% on the value of the cause.