Having a restricted name is a situation that no one wants, but it happens... So the doubts arise, how does negating the name prevent the withdrawal of a passport or hiring a job?
Can the debt amount be deducted from salary among others? The dirty name restricts some rights, that's true, but not everything is affected by this condition.
With a negative name, the person cannot get a passport?
The dirty name is more conditioned to issues related to credit. Having a negative name does not prevent the withdrawal of a copy of the passport, much less a visa abroad.
How long does a debt expire?
Well, the debt does not expire, what happens is that after 5 years after that period, the negation is removed, so the name appears clean in most companies, except for the company that sold the product and did not receive payment.
In this case, the debt remains and the company can still demand payment in court, even if there are no restrictions for the other establishments.
Can a school or college refuse a student if the contractor has a dirty name?
Yes, however for the academic year being paid for the student can still view classes and take tests, but may not agree to enroll. Another student's right is the diploma or certificate, as long as it is the first copy.
Can any credit product be denied for those with a dirty name?
Institutions may have their own rules and products or services for payment in installments. Generally, banks do not release new credit until debt settlement is applied.
Can the bank cancel the credit card or change loan or financing conditions?
What was agreed at the time of hiring is what prevails. Therefore, the limit of a credit card remains as long as it is used. However, it may happen that the company suspends services for negative names.
In a bank account, the overdraft may be suspended in case of default with restriction in credit protection agencies.
Can the debt amount be deducted from salary payment?
Unless a consignment is defined, the payment will not be deducted from the salary whose name is negative. In general, only credit transactions can make a loan or payroll card.
Can the automatic debit be canceled when the name becomes dirty?
In no way can there be an automatic debit that makes automatic payments as long as it has an account balance and that the account has been registered for this.
Does having a dirty name interfere with hiring a job?
Hiring is the responsibility of the companies, when the profession requires the handling of a lot of money, the negative name is always an obstacle. However, for other functions, it is up to the organization to hire or not.
Can't people with a negative name be accepted into public service?
Unlike private companies through a public tender, even with a dirty name, the employee must be hired except if the vacancy is in the banking sector for positions at the Central Bank, at the Mint or at the BNDS.
