The active debt is a tax or non-tax debt that was not paid by the taxpayer to the government within the stipulated deadline. The active tax debt is related to taxes and fees not received by the spheres of federal, state or municipal government.

In case of non-payment of these debts, the debtor can be enrolled in active debt. After registration, the collection can be reinforced with inclusion in the Non-Debit Credit Reporting System (CADIN). And also in credit protection agencies, such as SPC and Serasa, as well as a judicial process.

What are the losses to the debtor?


Debt Application

After the collection attempts have been exhausted, the debt is registered with the Attorney General of the National Treasury (PGFN). The inscription in the body is called active debt and may include not only tax debts, but also non-tax, such as a traffic ticket, for example.

The default on the government, or related bodies, causes the debtor’s CPF to be denied. This makes it impossible for him to borrow and open companies, among other impediments.

Stay tuned for interest

Loan interest

The rapid growth of active debt is also an important point that should be highlighted. In addition to the collection of interest, fines and charges due and provided for by law, the Selic interest rate is applied monthly until the amounts due are settled.

A debt with the government can come off as expensive as a credit card or overdraft debt, which holds the highest interest rates on the market.

To prevent this from happening, do not ignore the billing notices: look for alternatives to have money and pay your bills before the situation gets worse.

How to consult active debt?

The active debt can be consulted for free on the internet. In case of active debt with the federal government, the consultation can be done on the website of the IRS. For active debt with the municipality (IPTU), contact your local city office. Already in case of pending with the state government, consult the active debt in the available channel of your state.

How to regularize active debt?

Debt Form

It is possible to apply for debt installment, but the ideal is to pay the bill in cash and get rid of debt once and for all. The installment can be requested via internet, in the query page of debts registered in the active debt. As in most negotiations, after recording the payment of the first installment, the registration of the outstanding debt is withdrawn.

If you do not have the money to pay the debt, a good alternative is to apply for a personal loan, with interest and installments that fit in your pocket and do not weigh in the budget.