{"id":2754,"date":"2025-03-10T21:32:10","date_gmt":"2025-03-10T21:32:10","guid":{"rendered":"https:\/\/site.gravello.com.br\/?page_id=2754"},"modified":"2025-09-30T16:35:37","modified_gmt":"2025-09-30T19:35:37","slug":"renegociacao-com-bancos","status":"publish","type":"page","link":"https:\/\/site.gravello.com.br\/index.php\/renegociacao-com-bancos\/","title":{"rendered":"Renegocia\u00e7\u00e3o com Bancos"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_type=&#8221;parallax&#8221; content_width=&#8221;grid&#8221; full_screen_section_height=&#8221;no&#8221; section_height=&#8221;200&#8243; parallax_background_image=&#8221;746&#8243; triangle_shape=&#8221;no&#8221; css=&#8221;.vc_custom_1447676377452{padding-top: 115px !important;padding-bottom: 120px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-8 vc_col-md-8&#8243;][vc_column_text]<\/p>\n<h1><span style=\"color: #ffffff;\">Renegocia\u00e7\u00e3o com Bancos<\/span><\/h1>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row content_width=&#8221;grid&#8221; triangle_shape=&#8221;no&#8221; css=&#8221;.vc_custom_1447671347714{padding-top: 90px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-9 vc_col-md-12&#8243;][vc_row_inner][vc_column_inner offset=&#8221;vc_col-lg-5 vc_col-md-12&#8243;][vc_single_image image=&#8221;1334&#8243; img_size=&#8221;full&#8221;][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-7 vc_col-md-12&#8243;]<div class=\"mkd-elements-holder mkd-responsive-mode-768\" ><div class=\"mkd-elements-holder-item mkd-horizontal-alignment-left\" >\n\t<div class=\"mkd-elements-holder-item-inner\">\n\t\t<div class=\"mkd-elements-holder-item-content mkd-elements-holder-custom-526236\" style=\"padding: 30px 0 0 0\">\n\t\t\t\t\t\t<style type=\"text\/css\" data-type=\"mkd-elements-custom-padding\" scoped>\n\t\t\t\t\t\t\t\t\t@media only screen and (min-width: 1024px) and (max-width: 1280px) {\n\t\t\t\t\t\t.mkd-elements-holder .mkd-elements-holder-item-content.mkd-elements-holder-custom-526236 {\n\t\t\t\t\t\t\tpadding: 0 !important;\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t\t\t\t@media only screen and (min-width: 768px) and (max-width: 1024px) {\n\t\t\t\t\t.mkd-elements-holder .mkd-elements-holder-item-content.mkd-elements-holder-custom-526236 {\n\t\t\t\t\t\tpadding: 0 !important;\n\t\t\t\t\t}\n\t\t\t\t}\n\t\t\t\t\t\t\t\t\t\t\t\t@media only screen and (min-width: 600px) and (max-width: 768px) {\n\t\t\t\t\t.mkd-elements-holder .mkd-elements-holder-item-content.mkd-elements-holder-custom-526236 {\n\t\t\t\t\t\tpadding: 0 !important;\n\t\t\t\t\t}\n\t\t\t\t}\n\t\t\t\t\t\t\t\t\t\t\t\t@media only screen and (min-width: 480px) and (max-width: 600px) {\n\t\t\t\t\t.mkd-elements-holder .mkd-elements-holder-item-content.mkd-elements-holder-custom-526236 {\n\t\t\t\t\t\tpadding: 0 !important;\n\t\t\t\t\t}\n\t\t\t\t}\n\t\t\t\t\t\t\t\t\t\t\t\t@media only screen and (max-width: 480px) {\n\t\t\t\t\t.mkd-elements-holder .mkd-elements-holder-item-content.mkd-elements-holder-custom-526236 {\n\t\t\t\t\t\tpadding: 0 !important;\n\t\t\t\t\t}\n\t\t\t\t}\n\t\t\t\t\t\t\t\t<\/style>\n\t\t\t\t\t\t[vc_empty_space height=&#8221;12px&#8221;][vc_column_text]Renegociamos d\u00edvidas de empresas e de pessoas f\u00edsicas com bancos, administradora de cart\u00e3o de cr\u00e9dito, envolvendo em regra a capitaliza\u00e7\u00e3o de juros (cobran\u00e7a de juros sobre juros), cobran\u00e7a de taxas pagas em contrato anterior e novamente cobrado na renegocia\u00e7\u00e3o como se fosse contrato novo etc.<\/p>\n<p>Atuamos judicialmente e extrajudicialmente.<\/p>\n<p>Temos conseguido bons acordos com processo judicial ou sem processo judicial, alcan\u00e7ando muitos acordos que permitem quitar integralmente a d\u00edvida, como percentuais baixos (10% a 30%) para o pagamento integral.<\/p>\n<p>Atuamos, tamb\u00e9m, para proibir os descontos em folha de pagamento, holerite ou na conta corrente na qual e creditado o sal\u00e1rio do titular, o qual devem ser limitados a 30% do total dos rendimentos auferidos \u2013 Lei n\u00ba 10.820\/03.<\/p>\n<p>Esse percentual de 30% \u00e9 sobre o valor l\u00edquido a ser recebido.<\/p>\n<p>Em suma, defendemos os direitos em caso de penhora de bens, d\u00edvidas<br \/>\nfinanceiras, d\u00edvidas com particulares, leasing, nome no SPC, Serasa, Cart\u00e3o de Cr\u00e9dito, A\u00e7\u00e3o Revisional de Contrato (para apurar o valor real do d\u00e9bito), Cheque Especial, Empr\u00e9stimo Consignado, Cr\u00e9dito Direto ao Consumidor.[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;70px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_type=&#8221;parallax&#8221; content_width=&#8221;grid&#8221; full_screen_section_height=&#8221;no&#8221; section_height=&#8221;200&#8243; parallax_background_image=&#8221;746&#8243; triangle_shape=&#8221;no&#8221; css=&#8221;.vc_custom_1447676377452{padding-top: 115px !important;padding-bottom: 120px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-8 vc_col-md-8&#8243;][vc_column_text] Renegocia\u00e7\u00e3o com Bancos [\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row content_width=&#8221;grid&#8221; triangle_shape=&#8221;no&#8221; css=&#8221;.vc_custom_1447671347714{padding-top: 90px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-9 vc_col-md-12&#8243;][vc_row_inner][vc_column_inner offset=&#8221;vc_col-lg-5 vc_col-md-12&#8243;][vc_single_image image=&#8221;1334&#8243; img_size=&#8221;full&#8221;][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-7 vc_col-md-12&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;70px&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"footnotes":""},"class_list":["post-2754","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/pages\/2754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=2754"}],"version-history":[{"count":3,"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/pages\/2754\/revisions"}],"predecessor-version":[{"id":2858,"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/pages\/2754\/revisions\/2858"}],"wp:attachment":[{"href":"https:\/\/site.gravello.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=2754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}