In Brazil collection cannot expose the debtor to ridicule or threaten them. Whoever overcharges refunds double the excess. Every collection document carries the creditor's name, address and CPF or CNPJ. Articles 42 and 42-A of the Consumer Protection Code set these rules.
What can't you do when collecting in Brazil?
Expose the debtor to ridicule, embarrass them or threaten them. Article 42 of the Consumer Protection Code prohibits it.
What happens if you charge an amount that is not owed?
The consumer is entitled to twice what they overpaid, with adjustment and interest. The exception is a justifiable error, under the sole paragraph of article 42.
What details must a collection carry in Brazil?
The name, address and CPF or CNPJ of the seller of the product or service. Article 42-A requires it on every collection document.
What does Makatea do to comply?
- Sets the start and end time of your organization's sends.
- Removes from sends anyone who asked not to receive more messages.
- Puts your business name in every message.
- Stops reminders as soon as you record the payment.
- Add your business address and CNPJ to your templates to meet article 42-A.
Official source Código de Defesa do Consumidor (Lei 8.078/1990), Planalto