How to reduce delinquency
The default implies the non-payment of an account or debt. The delinquent consumer, in addition to having an outstanding debt, jeopardizes the working capital and the financial health of the companies. Gilce Lerner, the legal advisor of the Unindustry, outlines some tips to reduce delinquency and the problems that this entails for the industries and the managers of the associates.
In such a delicate economic time, it is important to be aware that your business is, to some extent, contributing to increased delinquency. The search for quick results, driving production and sales without taking some precautionary precautions can be a default generating behavior that compromises business in the medium and long term.
According to Gilce, each entrepreneur must seek strategies to, according to the profile of the business and the clients, to act with greater security and quality. In times of crisis, quantity can be a factor of mere expense and loss of energy, not of profit. "Statistically the consumer-impulsive generates more delinquency than the intended buyer. Detect it. It is important to consult the financial profile of the consumer, verifying in the registrations of defaulters the existence of negative, protests or any type of problem that restricts its name ", explained the lawyer.
Other simple internal procedures can help reduce delinquency and recover outstanding amounts. Gilce points out that in term sales it is imperative to request the client's documentation. A complete, all-inclusive database, including CPF, personal and professional address (including, if possible, the spouse's), e-mail, telephone and digital contact networks can help to contain default rates or facilitate recovery of credits .
In the digital age, Gilce points out that the relationship with the customer can be expanded. "Implementing innovative practices, provided they are non-invasive or embarrassing, can be a good solution, as keeping in touch by phone alone is no longer sufficient. A multi-channel service, combined with data intelligence and preventive profile analysis increases the chances of renegotiating debts. Remember: most debtors suffer from it and want to resolve it. Keep a line of communication, "he explained.
It takes all this care to not become a debtor company in trying to recover default. Judicial proceedings seeking compensation for moral damages are common due to the absence of prior notice from the debtor regarding their inclusion in the register of defaulters (SPC / SERASA); for having paid or renegotiated the debt and the negative restriction has not been withdrawn; by the creditor to deposit pre-dated checks before the due dates and other cases. Therefore, in case of doubt, make contact with Unindústria and use the legal advice service available.