01
Unaffordable installments
Credit cards and loans can absorb funds needed for essential expenses.
INDIVIDUAL FINANCIAL MATTERS
Personal debts overwhelming the budget may qualify for a legal restructuring route.
Assessment of eligible consumer debts under Brazilian Law 14,181/2021, respecting essential household expenses and legal requirements.
YOUR CHALLENGES
When the service may be useful
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Several creditors
Separate agreements may not solve the overall financial burden.
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Lack of a complete picture
Without mapping income, expenses and balances, a new payment plan may fail.
HOW WE HELP
What the service can contribute
Eligibility review
Assess good faith, debt categories, income and essential expenses.
Debt mapping
Organize creditors, balances and the household budget.
Payment-plan assessment
Where permitted by law, evaluate plans of up to five years and conciliation.
METHOD
How the work is organized
01
Review income, essential expenses and household circumstances.
02
Classify creditors, debts and applicable legal exclusions.
03
Assess viable scenarios and a payment proposal.
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Consider conciliation and appropriate court proceedings if needed.
FAQ
Questions about this service
Does it cover corporate debt?
No. It concerns eligible personal consumer debts, not a company’s liabilities.
Are all loans included?
No. Certain secured loans, real estate finance and rural credit are excluded.
Is a discount or suspension automatic?
No. The outcome depends on the legal requirements and individual circumstances.
SPECIALIZED WEBSITE
Over-indebtedness — Individuals
Access the dedicated service website for additional details and contact options.
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MORENO ADVOCACIA
Let us understand your situation.
Briefly tell us about your company, condominium or individual legal matter to learn how the first consultation works.