Have you ever wondered what happens if you don't pay your IPVA? Many drivers forget to pay this debt or don't have the money.
However, the consequences of not paying IPVA can be quite serious and cause many problems in your daily life. Let's explore what can happen if you don't pay this tax.
Fines and Interest
The first impact of not paying the IPVA on time is the application of fines and interest.
The late payment fine may vary by state, but generally starts at around 0.33% per day and can reach 20% of the tax amount.
Furthermore, interest is calculated based on the Selic rate, which is the basic interest rate in the Brazilian economy.
Licensing Restriction
Without paying the IPVA, you cannot license your vehicle.
Licensing is mandatory and must be renewed annually.
If your vehicle is not licensed, it will be illegal to drive, which may result in the vehicle being seized.
Vehicle Seizure
Driving a vehicle without a license is a serious offense, subject to a fine and seizure of the vehicle.
If you are stopped at a checkpoint and your car is overdue for IPVA, the vehicle may be taken to the yard and will only be released after all debts have been paid, including IPVA, fines and yard expenses.
Inclusion of Name in Cadin
Cadin (Informational Registry of Unpaid Credits of the Federal Public Sector) is a database where the names of individuals and legal entities with debts to the public sector are registered.
If you do not pay the IPVA, your name may be included in Cadin, which makes it difficult to obtain financing and participate in public tenders.
Difficulty Selling the Vehicle
If your car's IPVA is overdue, you will have difficulty selling the vehicle.
The buyer will not be able to transfer the vehicle into their name until all debts are paid off. This can reduce the sale value of the car, as many buyers do not want to take on these debts.
Credit Block
In addition to having your name on Cadin, you may face problems with the Federal Revenue Service.
In some states, the Treasury Department may notify the Federal Revenue Service about the IPVA debt, resulting in the blocking of your CPF.
As a result, you may face difficulties in obtaining credit in the market.
Registration in Active Debt
When the IPVA is not paid, the debt can be registered as an Active State Debt.
This means that the State can take legal action to collect the amount owed, including freezing bank accounts and seizing assets.
Registration in Active Debt also negatively impacts your credit score.
Insurance Problems
Some insurance companies may refuse to renew or take out insurance policies for vehicles with overdue IPVA.
Even if the insurance company accepts it, in the event of an accident, you may face difficulties in receiving compensation, since the vehicle was irregular.
How to Regularize the Situation?
If you are behind on your IPVA, it is important to regularize the situation as soon as possible. Here are some tips on how to do this:
1. Check Debts:
Access the website of your state's Finance Department or Detran to check the amount due.
2. Negotiate:
Some states offer installment and debt renegotiation programs. Keep an eye out for opportunities to pay your IPVA in a more affordable way.
3. Plan ahead:
If possible, make a financial plan to avoid future delays. Make IPVA a priority in your annual budget.
4. Use Online Services:
Platforms like Zapay facilitate the consultation and payment of vehicle debts, allowing installments and online payments.
Conclusion
Not paying IPVA can lead to a series of complications that go far beyond a simple fine.
From vehicle seizure to financial and legal difficulties, the consequences can be quite serious.
Therefore, it is essential to keep this tax up to date to avoid problems and ensure that you can use your vehicle without worries.
If you are late with your IPVA, regularize the situation as soon as possible and avoid headaches in the future.